Bragg Insurance Blog

Brian Bragg Brian Bragg

New Rules for Roof Insurance: What Homeowners Need to Know in 2025

In recent years, homeowners have faced significant changes in how insurance companies handle roof claims particularly concerning wind and hail damage claims. Many insurers are transitioning from offering Replacement Cost Value (RCV) to Actual Cash Value (ACV) settlements for roofs older than ten years when they are damaged by wind or hail. This shift has substantial implications for homeowners, affecting claim payouts and out-of-pocket expenses for the homeowner.

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Brian Bragg Brian Bragg

What Does Renters Insurance Actually Cover?

Renters insurance may be the most underrated yet essential types of insurance coverage available. Many renters mistakenly assume their landlord’s insurance policy protects their belongings, but this is not the case. Your landlord’s insurance typically only covers the physical structure of the building, leaving tenants responsible for their personal property and liability.

So, what does renters insurance actually cover? Let’s break it down.

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