Didn’t file a claim to keep your rates low? That decision could cost you thousands.

✅ Many carriers are raising deductibles — meaning your out-of-pocket cost is climbing every year

✅ Inspectors flag damage at closing — forcing you to pay full cost out of your equity

✅ More carriers are moving to Actual Cash Value payouts once a roof hits 10 years old — meaning you’ll only get a fraction of what it costs to replace

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