Home insurance in New Hampshire is the policy on the house in front of you, which might be a Seacoast cottage, a lakes camp with a heater, or a mountain house under a deep roof. Those buildings do not rebuild alike, and the dwelling limit should be read against the house, not against an old sale. Have the town and the region. The declarations page is where the limits and deductibles actually are.
Ask whether a wind deductible on the Seacoast differs from the base deductible. Inland, the argument is often ice, snow load, and what is sudden versus what the roof has been doing for years. Flood on the coast, along the Merrimack, and around the lakes is often outside a standard homeowners policy. A claim is not the same call as a renewal where you want the deductible understood before the next heavy snow. Say which you are doing.
Belongings and loss of use are separate from the structure. A camp that is now lived in all year may still be described on the policy as something else. Read that. If a covered loss makes the house unlivable, loss of use is the line that matters while it is repaired. An addition, a bunkhouse, or a finished loft can sit outside the picture you carry in your head. Mention every structure you expect the policy to answer for.
A prior claim on the same roof changes the next conversation. So does a long dirt drive that will slow any dry-out. Describe the cause and the day you noticed it. You are lining up your policy, your deductible, or your claim. You are not collecting slogans about mountain weather. Keep the timeline straight, including whether the stain grew over several thaws.
Bring the town, the heat source, and the part that failed. Say if this is a seasonal place you are now heating, a renewal, or water on the floor tonight. Ask what the policy leaves out before you assume snow and flood are the same word. Call the number on this page.