09/29/2026
🚨 YOUR INSURANCE ROOFING SCOPE DOESN’T HAVE TO BE CONFUSING!
Let’s make a $20,000 claim easy. 👇
🏠 $20,000 RCV — Replacement Cost Value
➖ $4,000 deductible
➖ $3,000 recoverable depreciation
💰 Initial insurance payment = $13,000
Once the roof is completed and the proper paperwork is submitted, that $3,000 recoverable depreciation may be released.
So:
$13,000 initial payment
➕ $3,000 depreciation
= $16,000 from insurance
The remaining $4,000 is your deductible.
💥 BUT HERE'S THE BIG ONE: ACV POLICIES
If you have an ACV (Actual Cash Value) policy, some or all of the depreciation may be non-recoverable.
That money doesn't come back after the work is completed.
Example:
$20,000 roof
➖ $4,000 deductible
➖ $5,000 non-recoverable depreciation
= $11,000 insurance payment
That means the homeowner is responsible for the $4,000 deductible PLUS the $5,000 non-recoverable depreciation.
👉 RCV: Depreciation may be recoverable.
👉 ACV: Non-recoverable depreciation stays the homeowner's responsibility.
⚠️ Every policy is different. Know what your policy says BEFORE you sign a roofing contract.
At J9 Roofing, we believe you should understand your insurance scope—not just be handed a number and told to sign.
No BS. Just straight answers.
📞 817-761-4158
🌐 www.thatpinkroofingtruck.com
💗 If your roof is on the brink, just think Pink!