Questions to Ask Before Filing a Claim

Important: This is not filing a claim — I'm simply asking for clarification on my policy so I know what to expect if I ever did. Hello [Agent's Name], I'm reviewing my policy and just need some clarification (not filing a claim). Could you please confirm the following for me: Policy Type – Do I have an RCV (Replacement Cost Value) or an ACV (Actual Cash Value) policy? (RCV is best — ACV usually means less coverage.) Deductible – What is my hail and wind deductible? (Is it a percentage of my home's insured value, or a flat dollar amount? Please confirm the percentage or the exact amount.) Code Coverage – Does my policy include code upgrades / law & ordinance coverage? (For example: drip edge, ice & water shield, insulation, etc. if my roof needs to be brought up to current code.) Cosmetic Damage – Does my policy have a cosmetic damage exclusion? (This usually refers to dents in vents or gutters that don't affect functionality. It's not the end of the world if I have this exclusion, but it's good to know up front.) Repair Timeline – How much time do I have to complete repairs after a covered loss? (Is it counted from the date of the storm or the date I file a claim? 2–3 years is preferred.) If you're unable to clarify any of these items, please provide me with a copy of my Declarations Page and/or my full policy so I can review the details directly. Thank you!