Do you know what your home policy really covers?

Many homeowners don’t realize their roof might not be covered for full replacement—especially if it’s
getting older. Some insurance companies use something called a Roof Payment Schedule. It’s not
bad—it’s just different coverage.

What’s a Roof Payment Schedule?

If your roof is older, this endorsement helps you keep insurance affordable. Instead of paying 100% to replace an old roof, the company pays based on the roof’s age and type—kind of like mileage on a car.

• Newer roof —> Little or no impact
• Older roof —> Lower premium, smaller payout

Example:

Your 12-year-old roof costs $15,000 to replace after a windstorm. If your schedule reduces value by 4% per
year, that’s 48%. Your payout might be about $7,800. You save money now, but share some cost later.

What Does It Apply To?

The schedule only affects your roof and only for:

• Wind
• Hail
• Hurricanes or Tornadoes
• Derechos
• Fire, water, or other damage are still covered at full replacement cost.

Why Some People Choose It:

• Keeps older homes insurable
• Lowers your premium
• Smart option for newer roofs
• My Advice: Before the next storm rolls in, take five minutes to check your policy. If you see “Roof
• Payment Schedule,” now you know what it means—and I can help you decide if it’s right for your home.
• Schedule your free coverage check-up: https://calendar.app.google/GuFVKjgXP62iiia3A