Pros & Cons

✅ Pros

  • Claim Rategard prevents rate hikes on first claim
  • Strong digital portal and Mobile Claim Check
  • Generous multi-policy discounts

❌ Cons

  • Higher average premiums in high-hail hail-belt zip codes
  • Uses actual cash value (ACV) schedule for older roofs unless upgraded

Roof Settlement & Windstorm Rules

Roof Settlement Type: Roof Schedule / RCV options

Wind & Hail Policy: Standard policy excludes Tier 1 coastal counties