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so you just change home insurance try to save a few dollars but did you buy a wolf in sheepamp;#39;s clothing hello iamp;#39;m russ wilson iamp;#39;m a licensed public insurance adjuster with suncoast claims here in bedford texas and weamp;#39;re starting to see more and more homeowners policies that are replacement costs and everything else but not on the roof and how do they do that well they add this endorsement called a roof surface payment schedule to the policy and what it basically says is if you have a wind and hail claim you only get a percentage of the cost to replace it not the replacement cost in this case this happens to be allstate theyamp;#39;re not the only carrier doing this and it gives you this little chart and you can see by the age of the roof and type of construction what youamp;#39;re going to get so for example if your roof is composition shingles and itamp;#39;s 10 years old youamp;#39;re only going to get 64 cents on the dollar for your roof claim when
