Calculate your roof's depreciated value for insurance claims. Understand what your insurance company uses to determine your payout.
Used by insurance adjusters to determine Actual Cash Value (ACV) of your roof.
Results:
This is an estimate. Your insurance policy may use different depreciation methods. We recommend getting a free inspection from RISE Roofing.
Free Roof InspectionWhen you file an insurance claim for roof damage, your insurance company typically calculates the Actual Cash Value (ACV) of your roof — the replacement cost minus depreciation. Depreciation reflects the fact that your roof is not brand new and has been in use for some years.
Most insurance companies use a straight-line depreciation method: they divide the roof's age by its expected lifespan, then multiply by the replacement cost. For example, a 10-year-old asphalt shingle roof with a 25-year lifespan would be 40% depreciated.
If you have a Replacement Cost Value (RCV) policy, your insurance will pay the full cost of replacement after you complete the work, releasing the withheld depreciation. If you have an ACV policy, you only receive the depreciated amount. RISE Roofing can help you understand which policy you have and maximize your claim.
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