Today in Oregon Wisconsin we had that super Spring wind! So for car insurance your coverage could be used if wind blew a tree down onto your car. This could be just a branch that damaged your car. This would be under comprehensive coverage. Home insurance is similar. Some times your deductible might be more of a factor. Let's say you have $1,000 deductible. If a tree hits your house it would cover the damage above your deductible. If there is less than that in damages you would be paying the repair up to your deductible limit.
Now that some time has passed we have helped many with questions and payments. There has been trees blown down and hitting a house on the way down. This is what the home insurance was meant to pay for. The damage to the house was paid for by the insurance. There also has been some roofs that were replaced due to the wind tearing them off. Roofs are for blocking sun, rain, and snow from you while in your home. So when the wind wants to blow sideways it may lift your shingles up and break them off too.
Having your roof replaced may come in two payments. They have different names for the roof insurance replacement when paying them. The whole payment will be complete along with the roof being replaced.
The first insurance check for your roof replacement should be sent to the policyholder from the insurance company as soon as the insurance adjuster has completed their roof damage assessment.
Second check (recoverable depreciation)
The second check is held back until the repairs to your roof are completed. This second check is generally 10% to 40% of the total settlement and is usually referred to as "recoverable depreciation" or "withheld depreciation". It is sent to the homeowner when the insurance company receives an invoice for final payment.