—and there’s one part of your homeowners insurance you really don’t want to overlook: wind & hail coverage.

Over the past 10 years, a lot has changed in how policies handle these claims. If you haven’t reviewed your coverage lately, here are a few things that might surprise you:

👉 Deductibles are higher than they used to be
Many policies now have a separate wind/hail deductible that’s based on a percentage of your home’s value—not a flat dollar amount.
That could mean paying $5,000–$10,000+ out of pocket before coverage kicks in.

👉 Not all roofs are covered the same
Older roofs are often covered at Actual Cash Value (ACV) instead of full replacement cost.
Translation: depreciation is applied… and your payout may be much lower than expected.

👉 Roof age matters more than ever
Once your roof hits a certain age (often 10–15 years), coverage can change—sometimes significantly.

💡 Why this matters:
Wind and hail claims are some of the most common (and expensive) losses in Nebraska. The details in your policy can make a huge financial difference when a storm hits.

✔️️ Take a few minutes to review your policy
✔️️ Know your deductible
✔️️ Understand how your roof is covered

If you’re not sure what you have—or want a second opinion—we’re happy to help.

A quick review now can save you thousands later.