@schellinsurance: If your Texas roof is 8, 10, or 12 years old, your insurance company may have quietly altered your coverage. Many major carriers are sneaking a Roof Surface Payment Schedule into annual renewals. Instead of paying Replacement Cost Value (RCV), they switch older roofs to Actual Cash Value (ACV). What that looks like after a storm: • Cost to replace roof: $22,000 • 50% ACV Age Depreciation: -$11,000 • Your 1% Hail Deductible: -$5,000 • Insurance Payout: Only $6,000 • Your Out-of-Pocket: $16,000! 💡 The Insider Fix: Check your declarations page for words like "Roof Schedule Endorsement" or "ACV Only." As independent brokers, Schell Insurance shops dozens of top Texas carriers to keep your roof protected under full Replacement Cost. Protecting Texas families since 1930 across all 254 counties. 📞 972-423-4546 🌐 SchellInsurance.com #TexasRoofs #HailSeason #ACVvsRCV #TexasHomeowners #RoofInsurance #SchellInsurance #IndependentAgent

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Friday 16 October 2026 15:00:47 GMT