Declarations page

In NC the dec page tells you four things that matter on a roof claim: the dwelling coverage limit, the standard deductible, the separate wind/hail deductible (often a percent of dwelling, not a flat dollar amount), and the loss-settlement basis on the roof — RCV, ACV, or RCV-with-age-conversion. A roof claim worth fighting starts with reading those four lines.

Most homeowners we work with have not opened their dec page in years. We will read it back to you in plain English — send it to us before the inspection and we will tell you what your check is going to look like before the adjuster ever shows up. No charge, no obligation. The dec page tells the whole story if you know which clauses to pull out.