Revolutionary Coverage
We're the first to market with this innovative solution that bridges the gap between what your carrier pays (ACV) and actual replacement cost.
No Carrier Conflict
We complement your existing homeowners insurance - we don't compete. Keep your current carrier while adding this critical protection.
Smart Calculator
Our technology-enabled platform calculates your exact coverage need based on your roof's square footage and zip code - quick, easy, and accurate.
Agent-Centric
Perfect retention tool for agents facing carrier restrictions. Help your clients stay protected without switching their homeowners policy.
How Roof Gap Insurance Works
Real-World Example
Full replacement value coverage with no out-of-pocket expense
Why Homeowners Need Roof Gap Insurance
Carriers are reducing risk exposure by switching older roofs to ACV coverage. Don't get caught with thousands in unexpected out-of-pocket costs.
Without Roof Gap Insurance
- Pay difference between ACV and Replacement Cost
- Unexpected financial hardship during claims
- Out-of-pocket costs can reach $10,000+
- Risk losing your home due to repair delays
- Roofs over 10 years old typically affected
With Roof Gap Insurance
- Full replacement cost coverage
- No unexpected out-of-pocket expenses
- Coverage up to $25,000
- Complements existing homeowners policy
- Technology-enabled quick quotes
- Peace of mind protection
Roof Gap Insurance Complete Guide
What is the Roof Gap Problem?
Many insurance carriers are reducing their risk exposure by switching roof coverage from Replacement Cost (RC) to Actual Cash Value (ACV), especially for roofs over 10 years old. This creates a significant gap between what the carrier pays and what you need to fully replace your roof - leaving homeowners to pay the difference out of pocket.
Why is This Happening Now?
- Climate Events Increasing: Severe weather is becoming more frequent, driving up claims
- Carriers Tightening Underwriting: Insurance companies are implementing stricter roof age restrictions
- Rising Replacement Costs: Material and labor costs continue to increase
- 80 Million Homes at Risk: Nationwide exposure to similar coverage restrictions at renewal
How Does Roof Gap Insurance Work?
Our innovative solution is simple and straightforward:
- Step 1: Use our quick calculator to determine your roof's replacement cost based on square footage and zip code
- Step 2: The calculator determines the ACV amount and recommends appropriate coverage
- Step 3: Select your coverage amount (up to $25,000) and pay the annual premium
- Step 4: When you file a claim, we pay the gap between ACV and replacement cost
Who Needs This Coverage?
- Homeowners with roofs over 10 years old
- Anyone whose carrier has switched to ACV coverage
- Homeowners in areas with frequent severe weather
- Those facing upcoming policy renewals with new restrictions
- Anyone wanting protection from unexpected roof replacement costs
Key Advantages
- No Carrier Conflict: We complement your existing insurance - we don't compete with your homeowners carrier
- First to Market: Revolutionary coverage not available anywhere else
- Technology-Enabled: Quick, accurate quotes based on real data
- Agent-Friendly: Perfect retention tool for agents dealing with carrier restrictions
- Flexible Coverage: Choose coverage amounts up to $25,000 based on your needs
For Insurance Agents
Roof Gap Insurance is the perfect retention tool when facing carrier restrictions. Instead of losing clients to competitive quotes, offer this complementary coverage that solves the ACV problem while keeping their existing homeowners policy intact. It's a win-win solution that strengthens your client relationships.