What's covered, what isn't, and how to make sure your claim succeeds.
What insurance typically covers
Sudden storm damage — wind, hail, fallen trees — is generally covered under standard Alabama homeowners policies.
What insurance generally does NOT cover
Wear and tear, neglected maintenance, gradual leaks, and pre-existing damage are excluded.
ACV vs RCV policies
RCV pays the full cost to rebuild. ACV depreciates the roof. Know which you have before a storm hits.
Deductibles
Alabama law requires you to pay your deductible. A contractor offering to "eat your deductible" is committing fraud.
Need a real opinion on your roof?
Free, no-pressure inspections across Huntsville and North Alabama.