ACV vs. RCV: The Roof Insurance Detail That Can Cost You Thousands

Hey there,

Here’s a question that stumps almost every property owner I meet:

“Do you have an ACV or RCV policy?”

Don’t worry — most homeowners don’t know. But this little acronym can make a huge difference when it’s time to file an insurance claim on your roof.

💰 What’s the Difference?

With an RCV (Replacement Cost Value) policy, your insurance pays the full cost to replace your damaged property at today’s prices — without subtracting for age or wear.

Pretty fair, right?

But with an ACV (Actual Cash Value) policy, the insurance company first subtracts depreciation — basically, what they think your roof has “used up” over time.

🧮 Here’s How It Plays Out

Let’s say you have a 20-year-old roof that was designed to last 30 years.

If a storm damages it, the insurance company might say you’ve already used two-thirds of its life, so they’ll only pay for one-third of the replacement cost.

Even though you’ve been paying full premiums for decades, you’re suddenly on the hook for thousands of dollars out of pocket.

⚠️ Why It Matters

I see this surprise homeowners every week. They think they’re fully covered — until a storm hits and the fine print kicks in.

Knowing what kind of policy you have before you need it can save you serious money and frustration later.

🏡 A Tip from the Roof Experts

At M&D Roofing, we help homeowners across Dallas–Fort Worth understand what their policies actually cover and how to get the most from their insurance claim.

If you’re not sure whether you have ACV or RCV coverage, we’ll help you find out — before the next storm makes it urgent.

📲 Reach out today at 817-678-8877 or visit www.mdroofingdfw.com for a free inspection and policy review.''

Looking out for you,

The M&D Roofing Team