See what $14.99 buys before you upload anything.
This is a simplified home-policy example. A paid report uses the wording found in your own document and shows page references so you can verify findings yourself.
Coverage review
Example insurer · Example policy
Roof losses appear to settle at Actual Cash Value
Why it matters: Depreciation may reduce the amount paid on an older roof, increasing your out-of-pocket cost.
“Loss settlement for roof surfacing will be at actual cash value…” — example wording, page 27
Question to ask: “Is replacement-cost roof coverage available, and what would the premium difference be?”
Hurricane deductible: 2%
Why it matters: On a $350,000 dwelling limit, 2% equals about $7,000 before covered hurricane damage is paid.
“Hurricane deductible: 2% of Coverage A…” — example wording, declarations page
Question to ask: “What would a lower hurricane deductible cost at renewal?”
Personal liability: $300,000
The report would compare the limit with a general reference range and flag it for discussion if circumstances suggest more review is warranted.
Cost review
Potential duplicate services and optional add-ons are grouped so you can ask what each costs and whether you still need it.
Agent questions
- Can my roof settlement basis be changed to replacement cost?
- What would a lower hurricane deductible cost?
- Do I have water-backup coverage, and what is the limit?