What will your policy pay—and when?

Your policy uses a schedule to value the covered roof loss.

The key: A reduction under a roof payment schedule is not automatically money held back for later. Completing repairs does not, by itself, make that reduction payable.

Part of a replacement-cost payment may be available after repairs.

The key: Recoverable depreciation is a potential later payment. Check the required work, documentation, and deadlines; not every deduction qualifies.