Roof Insurance: ACV vs. RCV Explained for 2026

ACV and RCV in plain language

Actual cash value (ACV) commonly accounts for depreciation when valuing damaged property. Replacement cost value (RCV) may cover the cost to repair or replace with like kind and quality without depreciation, subject to the policy, limits, deductible, covered cause, and claim process. These are general descriptions; policy wording controls.

Questions to ask the insurer

1. Is the roof covered on ACV or RCV terms?
2. What deductible applies, including any separate wind or hail deductible?
3. Is depreciation recoverable after repairs, and what deadline and proof apply?
4. Are there roof-age schedules, exclusions, cosmetic-damage limitations, or matching provisions?
5. Does the estimate include code upgrades if the jurisdiction requires them?
6. How do I request a supplement if the contractor documents missing scope?

Save the declarations page, relevant endorsements, adjuster estimate, photos, contractor bids, receipts, and correspondence. Submit information through the insurer’s claim process and keep dated records.

Keep contractor and coverage decisions separate

A roofer can document observed damage and provide a repair scope; the insurer determines coverage under the policy. Be skeptical of promises that the insurer “will pay for a whole roof,” offers to waive your deductible, or demands to sign over benefits. Consult your state insurance department or a licensed public adjuster/attorney if you need claim-specific help.

The NAIC provides consumer guidance through its homeowners insurance resources. Policy language varies by state and insurer. This guide is educational, not a coverage determination.

Use the roof replacement cost calculator for a separate replacement planning estimate and browse contractor guides.