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Compare More Than Price

Your policy looks fine. Until you file a claim.

See the hidden ACV roof clauses, percentage deductibles, and coverage gaps that turn cheap premiums into five-figure claim shortfalls — in 60 seconds.

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Policy Review
Sarah Mitchell
State Farm · HO-3 · Renews Aug 14
Reviewed
82
Coverage
67
Savings
74
Claim Ready
2% wind/hail deductible — ~$12,000 out of pocket
Roof silently switched to ACV — depreciated payout
Dwelling coverage $89k below rebuild cost
  • 12,000+Policies analyzed
  • $4,300 avg.Exposure uncovered
  • 9 of 10Have a coverage gap

Based on internal RateMyPolicy reviews. Individual results vary.

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

We translate insurance language into plain English.

How it works

  1. Choose your path

    Run the 60-second risk check or upload your policy for a full AI review.

  2. Our AI reviews your policy

    We flag costly gaps, percentage deductibles, and claim pitfalls.

  3. Get a plain-English breakdown

    Plus recommendations from a licensed independent advisor.

Before your next claim

Cheap insurance can become very expensive after a claim.

60 seconds. No phone call. Just clarity.

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