The short answer
Standard HO-3 pays roof damage at replacement cost. Many carriers (especially in FL, TX, LA, and hail-belt states) now attach ACV endorsements on roofs 10–20 years old — you get depreciated value, not new. Some non-renew at 25+ years unless you replace.
Frequently asked
- What's an ACV roof endorsement?
- Pays depreciated value of the roof, not replacement cost. Can mean 50–70% less on an old roof.
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