Name:   GoneFishin - Subject:   Martini's Roof Replacement Date:   3/29/2023 10:55:37 PM (updated 3/30/2023 12:44:33 AM)

What reason did they give you for not covering the full cost less the deductible? Did you upgrade it? Your HO is either Actual Cash Value which depreciates the roof less the deductible or Replacement Coverage which pays the full claim less the deductible. Or, do you cover less than 80% of the value of the dwelling? Covering less than 80% of the value reduces your particial claim like a roof.