Roof Surface Loss Settlement Question with State Farm

[Michelle Sobalvarro]

I recently changed dwelling policies to State Farm and they include “Roof Surf Loss Settlement - ACV” in the forms, options, and endorsements section. This wasn't on my previous policy with Safeco. I asked if it could be removed and she said that the roof surfacing is added to all RDP and that it does indeed go off of the ACV minus depreciation. This could be a huge expense if I run into roof damage but it doesn't appear I can take it off (it comes with a $22 savings which I'd happily remove to have replacement cost). The rest of the insurance is all replacement cost. Anyone else run into this or know if this is normal? Thanks!