{"id":27,"date":"2026-09-29T12:00:00","date_gmt":"2026-09-29T12:00:00","guid":{"rendered":"https:\/\/www.cynthiastarkshomes.com\/blog\/?p=27"},"modified":"2026-09-29T12:00:00","modified_gmt":"2026-09-29T12:00:00","slug":"indiana-roof-cover-is-shrinking","status":"publish","type":"post","link":"https:\/\/www.cynthiastarkshomes.com\/blog\/2026\/09\/29\/indiana-roof-cover-is-shrinking\/","title":{"rendered":"Indiana Roof Cover Is Shrinking"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/cynthia-starks\/indiana-homeowners-insurance-remotion-videos-4686\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Indiana\u2019s summer hail, thunderstorms, and tornadoes have helped push homeowners insurance bills higher, making housing costs harder for both current owners and new buyers.<br \/>\nRoof coverage has changed too: some policies carry separate, higher deductibles for roof damage, and some may pay far less than replacement costs.<br \/>\nReplacement cost value covers what repairs take, while actual cash value reflects a roof\u2019s current worth, often leaving homeowners to absorb more.<br \/>\nIn Early-Q1, federal housing authorities loosened roof coverage rules, so more homeowners could choose actual cash value policies that lower premiums but raise risk.<br \/>\nInsurers may also factor in coverage needs, home location, condition, credit history, marital status, and occupation, so shoppers should compare policies carefully for enough protection.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Indiana\u2019s summer hail, thunderstorms, and tornadoes have helped push homeowners insurance bills higher, making housing costs harder for both current owners and new buyers. Roof coverage has changed too: some policies carry separate, higher deductibles for roof damage, and some may pay far less than replacement costs. Replacement cost value covers what repairs take, while [&hellip;]<\/p>\n","protected":false},"author":100,"featured_media":28,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-27","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/27","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/comments?post=27"}],"version-history":[{"count":1,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/27\/revisions"}],"predecessor-version":[{"id":40,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/27\/revisions\/40"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/media\/28"}],"wp:attachment":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/media?parent=27"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/categories?post=27"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/tags?post=27"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}