Roof Coverage Shouldn’t Be a Mystery

Confidence comes from knowing what your policy says and how it works.

Questions about Roof Coverage?

An agent can show you exactly where you land on our roof payment schedule.

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No Guesswork. Just Coverage You Can Feel Confident In.

Roof replacement is one of the most expensive home repairs a homeowner may face, yet many people don’t know how their insurance policy would actually pay for roof damage until a claim happens.  

If you’re unsure how your roof is covered, that uncertainty can be costly. 

We focus on making sure: 

  • Coverage details are communicated clearly
  • You understand how claims may be settled
  • There are no unexpected gaps in understanding

At Farm Bureau Financial Services, we believe roof coverage should be clear, upfront, and easy to understand, so you know exactly what to expect before a storm, not after.  

Download the Roof Payment Schedule


Understanding Roof Coverage: Actual Cash Value vs. Replacement Cost

Knowing how your roof is covered starts with understanding two common settlement methods. 


See What We Would Pay for Storm Damage to Your Roof

We take transparency one step further by providing a roof payment schedule that shows how roof claims are paid based on roof age and materials. A roof payment schedule is used by many providers to outline how roof claim payouts change as a roof ages, how different materials are factored, and to set expectations in the event your roof does receive storm damage. 

You don’t have to guess. You don’t have to assume. 

Download the Roof Payment Schedule

Roof Loyalty Benefit

With Farm Bureau, a decade of loyalty gives you access to stronger coverage for older roofs, setting us apart in today’s market.  Clients who have had property coverage with us for 10+ years are eligible to receive Replacement Cost Coverage on roofs 15 years and older. We’re proud to recognize the long-term relationships we’ve built with our client base. 

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Actual cash value coverage factors in depreciation. 

What that means for you: 

  • Payment is reduced based on the age and condition of your roof
  • Older roofs receive significantly lower claim payments
  • You maybe responsible fora large portionof the replacement cost

Many homeowners assume they have replacement cost and don’t realize they have ACV roof coverage until after damage occurs. 

Replacement cost coverage is designed to help pay for repairing or replacing your roof with similar materials without deducting for depreciation, up to policy terms and limits. 

What that means for you: 

  • Payment is not reduced simply because your roof is older
  • Depreciation does not reduce the settlement amount
  • Your provider is going to cover more of the bill compared to if you have ACV

Clear coverage starts with knowing how your policy works, before you need it. That’s why we make our roof payment schedule transparent and our agents available to walk you through your coverage.