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Will your policy actually rebuild your home?

When the worst happens, the real question is not just whether you are covered, but how much your policy will pay to put your home back. The answer comes down to a few details most homeowners never see until a claim is open: how your roof is valued, what your storm deductible really is, whether your limit keeps up with rebuilding costs, and even how the yard around your home is restored. Here is what to look for.

  • Rebuilding your home after a loss
  • Often not full coverage

ACV vs RCV roof coverage

Actual Cash Value (ACV) pays your roof’s depreciated value, so the older the roof, the smaller the check. Replacement Cost Value (RCV) pays the full cost to replace it with similar materials, minus your deductible. Many policies quietly shift older roofs to ACV without the homeowner realizing it.

What to check

  • Whether your roof is insured at ACV or RCV
  • How much depreciation applies based on roof age
  • Whether RCV roof coverage can be added to your policy

Example:

A 15 year old roof costing $20,000 to replace might pay about $9,000 on ACV versus roughly $19,000 on RCV.

Infographic explaining ACV vs RCV roof coverage. Shows definitions, key differences, things to check, and an example. Uses icons for comparison, checklist, and a house image with an orange header. Colors: gold, white, black.
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  • Know before you file

Some roofs, often older ones or specific materials, are placed on a scheduled or stated basis. That means the payout is set by a schedule tied to the roof’s age and type rather than full replacement cost. Knowing whether your roof is scheduled tells you exactly how a claim will be paid before a storm ever hits.

Scheduled roof coverage

What to know

  • Whether your roof is on a payout schedule
  • How age and material set the payout amount
  • What your claim would actually pay out
Infographic explaining scheduled roof coverage, with a house image, icons, and a chart showing roof age and payout amounts. It highlights key information on payout schedules and what homeowners should know before filing a claim.
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  • Separate deductible

Wind and hail deductibles

In storm prone areas like Arkansas, many policies apply a separate deductible for wind and hail damage, often a percentage of your home’s insured value rather than a flat dollar amount. That number can be far larger than your standard deductible, so it pays to know it before hail season.

What to check

  • Whether wind and hail have a separate deductible
  • If that deductible is a flat amount or a percentage
  • Your exact out of pocket cost before coverage starts

Example:

A 2% wind and hail deductible on a $300,000 home is $6,000 out of pocket before coverage begins.

Infographic about wind and hail deductibles, featuring a house with stormy sky above. It explains what wind and hail deductibles are, what to check, how they work, and gives an example calculation, with relevant icons and highlighted text.
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  • Rebuild cost cushion

After a widespread storm, materials and labor get scarce and rebuilding costs climb. Extended Replacement Cost adds a cushion above your dwelling limit, often 25% to 50%, so you can still rebuild if costs run over. Without it, your payout is capped at the original limit even when rebuilding costs more.

Extended Replacement Cost

What it adds

  • A cushion above your dwelling limit, often 25% to 50%
  • Protection when rebuild costs spike after a storm
  • Room to rebuild fully even if prices have risen
An infographic explaining Extended Replacement Cost for home insurance, showing a damaged house and comparing standard payout vs extended replacement cost, with a chart, icons, and a monetary example.
  • Click on the image below to view the full details.
  • Code upgrades

Ordinance & Law coverage

After a covered loss, current building codes may require upgrades that did not exist when your home was built, like newer electrical, plumbing, or roof decking. Standard policies often will not pay that added cost. Ordinance & Law coverage covers the extra expense of bringing your home up to code.

What it covers

  • The added cost of rebuilding to current code
  • Upgrades to electrical, plumbing, and roof decking
  • Especially valuable for older homes
Infographic explaining the benefits of Building Ordinance or Law Coverage, highlighting risks without it, coverage differences, real-world examples, and emphasizing the need for code upgrades and protection for high-value homes.
  • Click on the image below to view the full details.
  • Consistent repairs

If a storm damages part of your siding or roof and the exact material is discontinued or faded, a standard policy may only pay for the damaged section, leaving a visible mismatch. Limited Matching helps pay to blend repairs so your home looks consistent, typically up to a set percentage of your dwelling limit.

Limited Matching

What it covers

  • Blending repairs with undamaged siding or roofing
  • Help when materials are discontinued or faded
  • Coverage up to a set share of your dwelling limit
Informational flyer about a limited matching endorsement for home insurance, showing before-and-after photos of home repairs, coverage details, examples of covered repairs, and benefits like matching finishes and exterior siding.
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  • Limited by default

Landscaping

Standard homeowners insurance offers only limited coverage to replace trees, shrubs, and other landscaping after a loss. For homes where the yard is a real investment, that cap can fall well short. Landscaping coverage helps restore your outdoor plantings and features after a covered event.

What it covers

  • Trees, shrubs, plants, and sod
  • Outdoor lighting and landscape features
  • Restoration after a covered loss, up to your limit
Infographic about landscaping insurance endorsement showing key facts, types of coverage for landscaping damage, examples of covered losses like hail and fire, what's protected, and important coverage limit details. Decorative yard image at top.
  • Click on the image below to view the full details.

More coverage guides

Part 1: Hidden gaps in everyday home systems
Part 2: Disasters not Covered
Part 3: Liability & Valuables
  • Additional Protection Resources

Extra layers of protection worth knowing about

Beyond your policy, these trusted partners help with two of the costs homeowners feel most: roof deductibles and home system repairs.

Supplemental roof deductible protection that helps cover what you owe out of pocket when you file a roof claim.
Get a SOLA quote

SOLA Insurance

A home warranty that helps cover repair or replacement of major home systems and appliances when they break down.
Explore American Home Shield

American Home Shield

These resources are offered by third parties and are not insurance policies underwritten by Aneisha LeMonier Agency. Coverage details, eligibility, and pricing are set by each provider. The explanations on this page are for educational purposes only and are not a statement of policy terms. Actual coverage depends on your policy.

Not sure which of these you have?

Let us walk through your current policy together and find the gaps before they cost you. No pressure, just a clear look at where you stand.