Standard policies might reduce payouts for roofs older than a certain age. To ensure full coverage:
- Roof Replacement Coverage: Policies may offer full replacement for roofs under a specific age (like 10 years), but older roofs might have actual cash value coverage. Check if your policy offers a replacement endorsement.
- Weather-Resistant Roof: In regions with frequent storms, consider an endorsement for roofs built with weather-resistant materials. This can sometimes lead to premium discounts due to reduced risk of damage.
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