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When your roof gets damaged by a storm, homeowners insurance usually covers replacement, but only if the policy includes replacement cost coverage rather than actual cash value. The difference matters because actual cash value deducts depreciation, meaning you pay more out of pocket for an older roof. Before filing a claim, check your deductible and policy terms—some insurers may require documentation or an inspection, especially if the damage is gradual rather than sudden. It's smart to get a… homeowners insurance roof replacement 13