Insurance Guidance

Understand Your Coverage. Maximize Your Claim.

Upload your policy—or answer a few quick questions. We'll explain what your insurer should cover and show deductible options tailored to your ZIP code.

Analyze My Policy Get My Roof Estimate

Homeowner-First
Independent Estimates
Optional Deductible Financing

Fast eligibility triage (30–45 seconds)

Policy Analyzer

Coverage clarity in three guided steps.

Upload your declarations and endorsements or answer a few quick questions. We'll surface the essentials—RCV vs ACV, wind/hail deductibles, ordinance & law limits, and exclusions (like cosmetic damage).

Policy

Upload policy PDFs/photos or opt into guided questions if you need to locate documents later.

Coverage

Get a plain-English summary of coverage, deductibles, ordinance & law, and key exclusions.

Options

See deductible expectations, financing paths, and claim readiness checklist you can download.

What your policy summary includes

• Snapshot of Coverage A limits, wind/hail deductible type, and ordinance & law coverage amounts.

• Highlighted exclusions and endorsements that could impact roof claims.

• "What this means" bullets in plain English so you can prep for adjuster conversations.

• Deductible helper showing typical ranges in your ZIP plus financing options.

• Downloadable one-pager branded "Policy Summary – RoofGuide.ai".

Ready to analyze your policy?

Get started by clicking the "Analyze My Policy" button above. We'll guide you through the process step by step.

Analyze My Policy Get My Roof Estimate

RoofGuide.ai provides informational analysis, not legal advice. Coverage decisions remain with your insurer. Always review policy language and endorsements before approving repairs.

Deductible Financing

Fix the roof now. Pay the deductible over time.

Typical deductibles run $1,000–$5,000. Check flexible, homeowner-friendly options in minutes—without affecting your credit score.

No prepayment penalty
Quick decisions
Secure

Estimate your monthly payment

Based on a 9.99% APR example over 24 months. Actual lender terms will vary by credit profile and lender.

$1,500 deductible≈ $69/mo

$2,500 deductible≈ $115/mo

$4,000 deductible≈ $184/mo

Financing is facilitated through third-party lenders. Example payments assume 9.99% APR and a 24-month term. Not an offer of credit. Lender terms, APRs, and approvals vary.

How it works

Simple, homeowner-first workflow that combines policy analysis, pricing confidence, and vetted pros.

Analyze coverage

Upload your policy or answer guided questions to surface coverage, deductibles, and exclusions.

Confirm price

Use instant AI roof estimates or book an inspection to back up your claim with data.

Start work

Finance the deductible (optional) and hire a vetted roofer aligned with insurance timelines.

Proof & partners

Pricing informed by trades data, imagery, and adjuster experience—so you show up to every insurer conversation prepared.

Pricing informed by RSMeans

Exploring EagleView imagery

“I finally understood my coverage. RoofGuide’s deductible plan made it doable.”

Homeowner · DFW metro · Policy details anonymized for privacy

Insurance FAQs

Does RoofGuide guarantee claim approval?

No. We help you understand coverage and prepare documentation for your adjuster. Your insurer still makes the final decision on claim approval.

What if I don't have my policy?

Choose the guided questions option. We can still estimate coverage details based on your carrier, deductible, and home information.

What is the difference between RCV and ACV?

Replacement Cost Value (RCV) pays the full cost to replace the roof, while Actual Cash Value (ACV) subtracts depreciation from the payout.

Will financing affect my credit?

Pre-qualification uses a soft credit pull that does not impact your score. A hard pull only happens if you review and accept an offer.

Can I choose my own roofer?

Absolutely. Work with any contractor you trust, and we can also introduce vetted pros familiar with insurance-funded projects.

RoofGuide.ai provides informational analysis and referral services. We are not a public adjuster, attorney, or insurance company, and we do not guarantee claim approval or coverage. Financing options are presented by third-party lenders. Example APRs and payments are estimates only. Not an offer of credit.

By submitting information on this page, you consent to RoofGuide.ai and its partners contacting you via phone, text, and email regarding insurance, financing, and roofing services. Message and data rates may apply. See our Privacy Policy and Terms of Use for details on data handling and uploaded policies.

Financing disclosures: APR ranges, terms, and eligibility are determined by lender partners. Soft pull for pre-qualification; a hard pull may occur if you proceed with funding. TCPA consent applies to all forms on this page.