ACV vs RCV roof insurance: Actual cash value and recoverable depreciation
Last updated · Storm damage & insurance
Short answer: ACV (actual cash value) is replacement cost minus depreciation. RCV (replacement cost value) policies often pay ACV first, then release recoverable depreciation when you finish qualifying repairs and submit invoices.
Why your first check looks "short"
On many RCV policies the insurer withholds depreciation until the roof is actually replaced. If you cash the ACV check and never do the work, you may never see the held-back amount. Deadlines to claim recoverable depreciation are set by the policy — miss them and the difference can expire.
Percentage wind/hail deductibles
In hail-prone markets (Front Range Colorado, Kansas, North Texas, parts of Minnesota), policies may use a percentage deductible for wind/hail based on Coverage A dwelling limit. A 1%–2% deductible on a high dwelling limit can exceed a flat $1,000–$2,500 deductible. Confirm which deductible applies to your peril before you file.
Wear and tear vs. storm damage
Policies typically cover sudden and accidental direct physical loss from covered perils, not ordinary aging. Granule loss from age, cracked pipe boots, and long-term leakage patterns are often disputed. Documentation and storm dating matter.
This is general consumer information, not legal or insurance advice. Coverage, deadlines, and rates depend on your policy, your insurer, and your state's laws. Check your policy and contact your state's Department of Insurance if you have questions.
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Frequently asked questions
What is recoverable depreciation?
The depreciated portion of an RCV claim that the insurer may pay after you complete repairs and provide proof.
What is a percentage deductible?
A deductible calculated as a percent of your dwelling coverage limit, often for wind/hail.
Can I keep the ACV check and not replace the roof?
You can often cash it, but you typically forfeit recoverable depreciation if work is not completed under policy terms.
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Sources
- Texas Department of Insurance: Will my premium go up if I file a claim?. www.tdi.texas.gov/tips/will-my-premium-go-up-claim.html
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.