Affordable Supplemental Roof Insurance
Get your free supplemental roof insurance quote today!
Affordable Supplemental Roof Insurance
Get your free supplemental roof insurance quote today!
Why You Might Need Supplemental Roof Insurance Coverage
Do You Need Supplemental Roof Coverage? | RoofInsuranceQuotes
Learn what supplemental roof insurance covers, why it’s important, and how to protect your home beyond a standard homeowners policy.
What Is Supplemental Roof Insurance Coverage—and Do You Need It?
Homeowners insurance typically covers roof damage caused by sudden events like storms or fire—but not all types of roof damage are fully covered. That’s where supplemental roof insurance comes in.
If you live in a storm-prone area, have an aging roof, or want peace of mind knowing you’re protected beyond basic limits, supplemental coverage can fill the gaps in your policy.
What Is Supplemental Roof Coverage?
Supplemental roof coverage is an optional add-on or separate policy that extends your protection beyond what standard homeowners insurance provides. It can help cover:
- Roof replacement costs (instead of depreciated value)
- Exclusions due to roof age
- Cosmetic damage from hail (common exclusion)
- Code upgrades required by local building laws
- Higher wind or hurricane deductibles
Why You Might Need Supplemental Roof Insurance
Here are the most common reasons to consider it:
1.
Your Roof Is Older Than 15–20 Years
Many insurers offer reduced or no coverage for roofs past a certain age. Supplemental coverage can reinstate full protection or help pay the difference in cost.
2.
You Live in a High-Risk Area
Homes in areas prone to:
- Hail (Midwest, Plains)
- Windstorms (Texas, Oklahoma, Carolinas)
- Hurricanes (Florida, Gulf Coast)
…often have higher deductibles or exclusions. Supplemental plans can reduce out-of-pocket costs and include specialty coverage.
3.
You Want Full Replacement Cost Coverage
Standard policies often reimburse for actual cash value (ACV), which factors in depreciation. That means you’ll receive less money for older roofs. Supplemental coverage can upgrade this to replacement cost value (RCV).
4.
You Need Ordinance or Law Coverage
If your roof must be rebuilt to meet updated codes, standard policies may not pay for those upgrades. Supplemental coverage ensures you’re compliant—without footing the bill.
5.
Your Policy Excludes Cosmetic Damage
Some insurance plans won’t cover cosmetic-only hail damage (e.g., dents in metal roofs). But even if the damage is minor, it can affect your home’s value. A supplement can cover these cases.
What Does Supplemental Roof Coverage Typically Include?
Coverage Type
What It Covers
Replacement Cost Upgrade
Pays full cost to replace the roof (not depreciated)
Cosmetic Damage Protection
Covers visible but non-structural damage
Ordinance or Law Coverage
Pays for code-compliant upgrades
Deductible Buy-Back
Lowers your storm/hurricane deductible
Coverage for Older Roofs
Extends eligibility for roofs over 15–20 years
How Much Does Supplemental Roof Insurance Cost?
It depends on several factors:
- Age and condition of your roof
- Roofing material (asphalt, tile, metal)
- Location and weather risks
- Policy limits and deductibles
How to Add Supplemental Coverage
- Review your current policy
- Check for roof age limits, exclusions, and coverage type (ACV vs. RCV).
- Get a roof inspection
- Document condition, material type, and any existing issues.
- Compare quotes
- Use our free tool to see what top insurers offer for your roof type and location.
Final Thoughts: Is Supplemental Roof Insurance Worth It?
If your current policy has coverage gaps, your roof is aging, or you live in a high-risk area, supplemental insurance is often a smart investment. It protects your finances, ensures compliance with local codes, and gives you peace of mind after severe weather events.
Being covered just feels like you’re actually in good hands
Welcome to the freedom of having Supplemental Roof Insurance
Explore the best roof insurance quotes for your needs and protect your home, and wallet today!