Pre-quote checks for home quote with a roof exclusion
Readers usually arrive at home quote with a roof exclusion through a price question. The better first step is to verify the facts behind questions to ask when roof coverage is limited.
- Roof installation year, material, and permit records.
- Whether the quote uses replacement cost, ACV, or a roof schedule.
- Cosmetic damage wording for metal, tile, or architectural shingles.
- Separate wind, hail, hurricane, or named storm deductible.
- Photos of roof condition before the policy binds.
Editor note: Roof-related pages are intentionally document-heavy because roof condition is one of the fastest ways a quote changes after underwriting.
Questions for the agent or carrier
| Question | Why it matters |
|---|---|
| Is roof settlement replacement cost or ACV? | Older roofs can change the real value of the quote. |
| Does cosmetic damage have a limitation? | Hail dents may be treated differently from functional damage. |
| Will an inspection happen after binding? | Some carriers change terms after reviewing roof condition. |
| Which deductible applies to wind or hail? | A percentage deductible can be much higher than a flat deductible. |
Documents to keep beside the quote
- Roof permit, installation invoice, and recent exterior photos.
- Wind or hail mitigation form if the state or carrier uses one.
- Inspection notes that mention age, material, slope, or prior repairs.
- Current declarations page showing the wind or hurricane deductible.