Critical Coverage Warning

A “fine” policy leaves homeowners $22,400 short on the average claim.

Don't wait for a disaster to find your hidden ACV roof clauses. Uncover the percentage deductibles and coverage gaps turning cheap premiums into five-figure losses.

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The hidden truth

Two homeowners can pay the same premium — and have completely different coverage.

Both pay $2,400 / year

Policy A

Protected
Flat $2,500 deductible
$2,500 out of pocket, every time
Protected
Full roof replacement (RCV)
Carrier pays full cost to replace
Water backup included
$5,000–$10,000 of backup coverage

After a hail claim

~$2,500out of pocket

~$42,000 covered by the carrier

Policy B

Hidden gotcha
2% wind / hail deductible
$12,000 on a $600k home
Hidden gotcha
ACV roof payout
Depreciated by age — you cover the gap
No water backup coverage
100% out of pocket for sewer backup

After a hail claim

~$27,000+out of pocket

~$17,000 covered by the carrier

Same premium. Very different claim outcome.

After the claim

Two policies. Same disaster. Very different checks.

Drag the slider and tap a scenario. This is what the fine print actually costs.

Home value

$450,000

$150k$1.5M

Hail destroys a 15-year-old roof·Percentage wind/hail deductible + ACV roof endorsement

Bad policy

Loss: $40,500
Wind/hail deductible (2%): −$9,000
ACV depreciation on roof: −$18,225
You receive: $13,275

Good policy

Loss: $40,500
Flat deductible: −$2,500
You receive: $38,000

Out-of-pocket gap

$24,725

A percentage deductible plus an ACV roof endorsement quietly shift tens of thousands back onto you.

See which side your policy is on

Illustrative — actual payouts depend on your specific policy language, limits, and endorsements.

What we analyze in your policy

Roof payout type (RCV vs ACV)
Wind & hail deductibles
Dwelling coverage adequacy
Water backup protection
Ordinance & law coverage
Liability limits
Special limits on valuables
Hidden exclusions & endorsements

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How it works

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Run the 60-second risk check or upload your policy for a full AI review.
Our AI reviews your policy
We flag costly gaps, percentage deductibles, and claim pitfalls.
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Plus recommendations from a licensed independent advisor.

Before your next claim

Cheap insurance can become very expensive after a claim.

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