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Do I need to upgrade my policy before storm season starts?

Possibly- if your roof is written on an actual cash value or depreciated basis and you qualify or are eligible to change your coverage to replacement cost on your roof, that change will lower your out-of-pocket expense if you do have a roof claim. One very important coverage option that you should add if you were eligible to do so is ordinance or law coverage- this coverage will pay for such items as drip edge, decking, ice and water, chimney crickets, and ventilation to be brought up to current building codes. If you do not have this coverage, these upgrades would become additional out-of-pocket expenses for you.

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