re: Roof replacement using insurance question

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11,000 deductible is an insane amount, most likely he has RCV.

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Not really. Don't know what his coverage amount is, but an $11,000 deductible is 3% on a house insured for $365k or 2% for a house insured for $550k. 3% deductibles are pretty common in south LA these days and 2% deductibles have been common for a lot longer than that. ACV vs RCV coverage has no bearing on the deductibles offered. Deductible options depend on what insurance company and/or location of the house. Some insurers have different minimum wind/storm deductibles depending on what parish the house is in.

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There aren't going to be many insurance coverages charging that much for a deducible (unless it's % based on value of the home)

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$11,000 is definitely a percentage based deductible. Flat dollar amount deductibles will always be in nice round numbers like $1000, $2500, $5000, or $10,000. Not in some odd increment like $11,000

If someone has a 10-15+ year old roof, its possible that a policy with ACV coverage for the roof may have been the only option they had besides Citizens, especially if they had to shop for a new policy since Ida.

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Here is my post from another thread just to show why it's best to call a roofer instead

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I do generally advise insureds to try to get their roofer and adjuster on-site at the same time if possible