06/16/2026
Not all roof coverage is the same.
Replacement Cost coverage helps pay to replace your roof with a new one of similar quality, without deducting for age and wear.
Actual Cash Value (ACV) coverage factors in depreciation, meaning the older your roof is, the less you may receive in a claim.
Roof age also plays a big role in insurance. As roofs get older, rates may increase, coverage options can become more limited, and some companies may only offer ACV coverage after a certain age.
Knowing how your roof is covered before a claim happens is just as important as knowing your deductible.
Not sure whether you have ACV or Replacement Cost coverage? Let's review your policy together.
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