Homeowner's insurance typically covers roof replacement for hail damage, wind damage, fallen trees, and fire—but not normal wear, neglect, or age-related deterioration. Texas wind/hail deductibles are usually 1-2% of your home's insured value. RCV policies pay full replacement cost; ACV deducts depreciation.
Insurance coverage breakdown:
- Covered: Hail damage, wind damage, fallen trees, fire
- Not covered: Normal wear and tear, neglect, age-related deterioration
- Policy types: RCV (Replacement Cost Value) pays full replacement cost; ACV (Actual Cash Value) deducts depreciation
- Texas deductibles: Often 1-2% of home's insured value for wind/hail claims
Age-related coverage: Most Texas policies cover roofs regardless of age for covered events. However, some insurers switch to ACV for roofs over 15-20 years, reducing payouts by 40-60%. Check your policy's "roof schedule."
We specialize in storm damage claims: documenting damage with photos, meeting adjusters on-site, and advocating for fair coverage. We've helped hundreds of San Antonio homeowners navigate claims successfully.