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jason kudo here with kudo construction seems like its always storm season here in new england no homeowner likes dealing with insurance claims its usually a fight to get what you need and deserve even if you have a contractor working for you so word of caution from your friends here at kudo construction check your policy and consider adding code upgrade coverage if you dont have it already code upgrade coverage fills the gap between standard replacement cost and the real cost to repair or replace based on current local building codes we see it frequently with roof claims your storm damage roof needs replacing but the roof decking is original and not up to code the insurance company will pay for the stripping and installation of a new roof but if that roof deck needs to be replaced the insurance claim doesnt cover it and now you could be out of pocket thousands of dollars replacement cost is generally based on the cost of materials and labor needed to complete the project but