ACV vs. RCV roof
Actual Cash Value depreciates your roof by age. A 15-year-old roof might pay out 30% of replacement cost.
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Actual Cash Value depreciates your roof by age. A 15-year-old roof might pay out 30% of replacement cost.
A '2% wind/hail deductible' on a $500k home means $10,000 out of pocket — not the $1,000 you assumed.
If wind and water both damage your home, this clause lets the insurer deny everything. Common after hurricanes.
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ACV vs. RCV detection and roof-specific risk flags.
Wind, hail, and named-peril deductibles, decoded.
Spot missing endorsements before you need them.
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"I had no idea my roof was on ACV until RateMyPolicy flagged it. Saved me thousands."
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"Found a Class 4 roof discount I was missing. Renewal dropped 14% the next cycle."
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