08/11/2026
๐๐๐ฉ ๐๐. ๐ฅ๐๐ฉ... ๐ช๐ต๐ฎ๐'๐ ๐๐ต๐ฒ ๐๐ถ๐ณ๐ณ๐ฒ๐ฟ๐ฒ๐ป๐ฐ๐ฒ?
If you've ever filed a roof insurance claim, you've probably seen these two termsโbut many homeowners aren't sure what they actually mean.
๐ ๐๐๐ฉ = ๐๐ฐ๐๐๐ฎ๐น ๐๐ฎ๐๐ต ๐ฉ๐ฎ๐น๐๐ฒ
This is the value of your roof after depreciation has been deducted based on its age and condition.
If your claim is paid on an ACV basis, your insurance company typically pays the depreciated value first.
๐ ๐ฅ๐๐ฉ = ๐ฅ๐ฒ๐ฝ๐น๐ฎ๐ฐ๐ฒ๐บ๐ฒ๐ป๐ ๐๐ผ๐๐ ๐ฉ๐ฎ๐น๐๐ฒ
RCV is the cost to replace your roof with materials of similar kind and quality.
If your policy includes recoverable depreciation, you'll generally receive the remaining funds after the roof replacement is completed and the required documentation has been submitted.
๐ช๐ต๐ ๐ฑ๐ผ๐ฒ๐ ๐ถ๐ ๐บ๐ฎ๐๐๐ฒ๐ฟ?
The difference between ACV and RCV can affect how your claim is paid and what your out-of-pocket costs may look like.
Every insurance policy is different, which is why understanding your coverage before a storm happens is so important.
At Wortham Brothers Roofing, we'll walk you through your estimate, explain the terminology, and help you understand the roofing side of the insurance processโwithout the confusing jargon.
๐ Questions about your roof after a storm?
Call ๐ด๐ญ๐ณ-๐ฅ๐ข๐ข๐๐๐ก๐ or visit ๐ช๐๐ฅ๐ข๐ข๐๐๐ก๐.๐๐ข๐ to schedule your free inspection.
Insurance coverage varies by policy. This information is intended for educational purposes and is not insurance or legal advice.
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