1. Your roof: replacement cost, or depreciated value?

If the policy settles your roof at Actual Cash Value (ACV), depreciation for the roof's age is deducted first. A widely cited industry example: a 12-year roof with a $13,000 replacement cost can settle near $5,200 once a 60% depreciation schedule is applied — before the deductible comes off. Replacement Cost Value (RCV) works differently. Your declarations page names which one applies.

2. Wind and hail deductibles are a percentage, not a flat amount

In Texas, wind and hail deductibles are commonly written as a percentage of your dwelling limit (Coverage A) — often 1% to 2% — rather than a flat $1,000. On a $400,000 dwelling limit, that is roughly $4,000 to $8,000 you carry yourself before the policy responds.

3. Flood is usually not part of a standard policy

External flooding and rising water are generally excluded from a standard homeowners policy and are addressed through separate flood coverage. Foundation movement, earth shift, and mold are also commonly limited or excluded. These are worth confirming line by line.

Five lines to check before you renew

Open your Declaration Page and read these five entries in order:

• Coverage A — is the dwelling limit enough to rebuild the home, rather than simply matching market value?
• Roof Settlement — RCV replacement cost, or ACV with a depreciation schedule?
• Wind & Hail Deductible — percentage or flat amount? What does that come to in dollars?
• Exclusions — water damage, foundation, and mold limits.
• Add-ons — separate flood coverage, service line, or other endorsements you may need.

Not sure what your policy actually says?

Bring your declarations page. We can go through what each line means and compare options across multiple carriers — in English or 中文. The decision stays yours.

General educational information only. This is not legal advice, a coverage opinion, or a guarantee of any outcome. Actual coverage, deductibles, and claim results are governed by each carrier's policy language and underwriting decision. Figures cited reflect publicly reported Texas market data and may change.

一、屋顶：按重置价赔，还是按折旧价赔？

如果保单按实际现金价值（ACV）结算屋顶，会先扣除屋顶年限对应的折旧。一个被广泛引用的行业示例：重置价约 $13,000 的 12 年屋顶，按 60% 折旧表计算后约为 $5,200，这还没有扣除免赔额。重置价（RCV）的算法则不同。保单声明页上会写明适用哪一种。

二、风雹免赔额多为百分比，而非固定金额

在德州，风雹免赔额通常按房屋保额（Coverage A）的百分比计算，常见 1%–2%，而不是固定的 $1,000。以 40 万保额为例，大约有 $4,000–$8,000 需要自己先承担，保单才开始赔付。

三、洪水通常不在标准房险范围内

外部洪水与暴雨积水一般被标准房险列为除外责任，需要通过单独的洪水保单处理；地基移动、地面沉降与霉菌等，多数保单也设有限额或除外条款。这几项建议逐条确认。

续保前值得核对的五行

打开保单声明页（Declaration Page），按顺序看这五项：

• Coverage A —— 房屋保额够不够把房子重建起来，而不是等于市场价？
• Roof Settlement —— 写的是 RCV 重置价，还是 ACV 折旧表？
• Wind & Hail Deductible —— 百分比还是固定额？换算成美元是多少？
• Exclusions —— 水损、地基、霉菌等除外与限额。
• Add-ons —— 是否需要单独的洪水险、Service Line 等附加。

不确定自己的保单到底写了什么？

把保单声明页带上，我们可以一起把每一行的含义看清楚，并在多家保险公司之间比较方案。中英文均可沟通，最终选择权在您。

以上仅为一般性科普信息，不构成法律意见、条款解释或任何结果承诺。实际保障范围、免赔额与理赔结果，均以各保险公司的保单条款及核保结论为准。文中引用的数据来自德州公开市场资料，可能随年度变化。