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Understanding insurance payments
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Insurance pays for your roof in three pieces, on three different dates. Here's exactly how it works.
Assuming you have an RCV policy. Most homeowner policies are RCV. If yours is ACV, the timeline is shorter.
What if I have an ACV policy?
With an ACV (Actual Cash Value) policy, your insurance company only pays the depreciated value of your roof up front, they don't release a recoverable depreciation check after the work is done.
In practice that means just two payments instead of three: the ACV check from insurance and your deductible. There's no RCV "make whole" payment at the end because that coverage isn't in your policy.
The total project cost may be higher out of pocket since depreciation isn't recoverable. We'll talk you through the specifics if you're not sure which type of policy you have, your declaration page or a quick call to your carrier will confirm it.
1
Due at the Material Meeting
ACV Payment
Actual Cash Value
The first check from your insurance company. We collect this when we meet to review your build details and you pick your shingle color.
2
Due on Project Day
Your Deductible
The amount on your policy
The only payment that comes out of your pocket
The fixed amount your insurance policy says you're responsible for. We collect this the day the crew arrives to start your roof.
3
Due when you receive it
RCV Payment
Recoverable Depreciation
The final check that makes you whole. After the roof is finished, we send all the project documentation to your insurance company. Once they review it, they release this payment to you.
In plain math
ACV payment
+
Your deductible
+
RCV payment
=
Total project cost
We handle the paperwork side. You only worry about the timing above.
Explain in more depth
The most important thing to know
The only money out of your own pocket is your deductible.
The ACV and RCV checks are insurance money. Your insurance company pays them, you pass them along to us. That's it.
Here's how the money actually moves
1
ACV Payment
Your insurance company sends this check, often made out to you and your mortgage company. You sign it over to us at the Material Meeting. This is insurance money, not your money.
2
Your Deductible
This is the one piece you personally pay. It's the fixed amount your policy lists as your responsibility for any claim. Due on Project Day.
3
RCV Payment
After the roof is done, we submit all our documentation, photos, invoices, and certifications, to your insurance company. Once they verify the work was completed, they release the recoverable depreciation to you. You sign that check over to us too. Insurance money again, not your money.
Why does insurance pay in pieces?
Insurance companies hold back the depreciation portion (the difference between what your roof is worth today and what a brand-new roof costs) until they have proof the work was actually completed. It's how they protect themselves from paying out the full replacement cost on a roof that never gets replaced. Once we send them the documentation, they release the remaining funds quickly.
Example
A $20,000 roof project
ACV
$10,000
Deductible
$5,000
RCV
$5,000
ACV payment
from insurance
$10,000
Your deductible only payment from you
from your pocket
$5,000
RCV payment
from insurance
$5,000
Total project cost
$20,000
What this means for you
In the example above, your roof costs $20,000 total, but you only pay $5,000, your deductible. The other $15,000 is your insurance company doing what your policy promised they would do, with us making sure every dollar of it gets where it needs to go.
Questions at any point? Reach out to your project manager.
You are in good hands.
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