Pros & Cons

✅ Pros

  • Cash settlement option (rebuild elsewhere or keep cash if home destroyed)
  • Complimentary home risk consulting & wild-weather inspection
  • No deductible for large losses in select policy tiers

❌ Cons

  • High minimum coverage thresholds ($500k-$750k minimum dwelling limit)
  • Substantially higher annual premium investment

Roof Settlement & Windstorm Rules

Roof Settlement Type: Extended Replacement Cost (up to 150% - 200% of policy limit)

Wind & Hail Policy: Dedicated risk evaluation and post-storm assistance