Roof Surfaces Extended Coverage Explained

what is roof surfaces extended coverage

Roof Surfaces Extended Coverage is an optional coverage offered by insurance companies like Allstate. This coverage extends protection to the roof surfaces of a home, specifically for roofs that are not older than 15 years. With this coverage, in the event of damage or the need for a replacement, the insurance company will cover the cost of replacing the roof at its current replacement cost, rather than deducting depreciation based on the age of the roof. This coverage is particularly beneficial in areas prone to hail or windstorms, where roof damage is common. It is important to note that not all insurance policies include this coverage, so homeowners should ensure that their policy includes the Roof Surfaces Extended Coverage endorsement.

Key Takeaways:

  • Roof Surfaces Extended Coverage offers protection to roof surfaces for homes less than 15 years old.
  • The coverage pays for roof replacements at the current replacement cost.
  • This coverage is particularly valuable in areas prone to hail or windstorms.
  • Not all insurance policies include Roof Surfaces Extended Coverage, so homeowners should check their policy.
  • It is essential to ensure that the policy includes the Roof Surfaces Extended Coverage endorsement for complete protection.

Factors to Consider in Homeowners Policies

When reviewing homeowners policies, there are several factors that homeowners should consider. These factors play a crucial role in determining the level of protection and coverage offered by the policy. Let’s take a closer look at each of these factors:

1. Comprehensive Deductibles

Comprehensive deductibles are the out-of-pocket expenses that homeowners must pay before the insurance coverage kicks in for comprehensive claims. It is essential to carefully consider the deductible amount, as it directly affects the financial burden in case of a claim. Some insurance companies, such as Allstate, may offer deductibles as high as $500. Therefore, homeowners should evaluate their financial capacity and choose a deductible that they can comfortably afford.

2. Building Codes

Building codes establish the minimum safety standards for construction and ensure that buildings meet specific requirements for structural integrity, building materials, and safety features. It is important for homeowners to check whether their insurance policy includes coverage for building code enforcement. Without this coverage, homeowners may be responsible for costly upgrades or modifications to bring their homes up to code after a loss.

3. Water Backup Coverage

Water backup coverage is another critical consideration for homeowners. This coverage protects homeowners in the event of sewer or water backup into their homes, which can cause significant damage to the property and personal belongings. It is crucial to confirm that the homeowners policy includes adequate water backup coverage to mitigate the financial impact of such incidents.

4. Roof Surface Payment Schedule

The roof surface payment schedule determines the percentage of coverage based on the age of the roof. Insurance companies have different payment schedules for roof surfaces, and homeowners should review it to understand how much coverage their policies provide for a given age of the roof. This information helps homeowners plan for potential repairs or replacement costs associated with their roofs.

Considering these factors and thoroughly reviewing homeowners policies can help homeowners make informed decisions and select the policy that best suits their needs. It is advisable to consult with an insurance agent to clarify any doubts and ensure comprehensive coverage tailored to individual requirements.

Stay tuned for the next section, where we will explore common optional coverages that homeowners may consider to enhance their protection and peace of mind.

Common Optional Coverages

In addition to the standard coverages offered in homeowners policies, there are several common optional coverages that homeowners may consider. These optional coverages can provide added protection and peace of mind for homeowners.

Water Backup Coverage

One of these optional coverages is water backup coverage, which provides additional protection for damage caused by sewer or water backup into the home. This coverage ensures that homeowners are financially safeguarded in the event of such damage.

Scheduled Personal Property

Another valuable optional coverage is scheduled personal property, which offers protection for high-value items such as jewelry, cameras, and home-office equipment. This coverage ensures that homeowners have the necessary protection for their valuable possessions.

BSREL Coverage

Homeowners can also choose to add on Building Structure Reimbursement Extended Limits (BSREL) coverage, which provides an additional 20% of the value of the replacement cost in the event of a total loss. This coverage offers extra financial security in the face of significant damage.

Enhanced Plan

Lastly, homeowners may want to consider the Enhanced Plan, which provides additional benefits such as claim forgiveness, deductible rewards, and cash back for claim-free years. This comprehensive plan offers homeowners comprehensive coverage and additional perks.


Roof Surfaces Extended Coverage is a crucial component of homeowners’ insurance for those seeking comprehensive protection for their roofs. This optional coverage provides peace of mind and financial security by covering the full cost of replacing a damaged roof at its current replacement value, without deducting depreciation based on its age. To ensure the inclusion of Roof Surfaces Extended Coverage, homeowners should carefully review their policies and consult their insurance agents.

By adding this crucial endorsement to their policies, homeowners can safeguard their roofs, shield their homes from unexpected damage, and have the assurance of extended service for their roof surfaces. With this coverage, homeowners no longer have to worry about the financial burden of roof repairs or replacements, as they are fully protected and can confidently navigate any unforeseen circumstances that may arise.

Roof Surfaces Extended Coverage is an invaluable investment that guarantees roof surfaces warranty coverage, insurance protection, and a comprehensive roof surfaces insurance plan. It is a vital aspect of every homeowner’s conversation with their insurance provider, as it ensures they are adequately protected against potential roof damage. By taking the necessary steps to secure this protection, homeowners can enjoy the peace of mind that comes with knowing their roofs and their homes are well-covered and supported.

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