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Trying to file an insurance claim to repair or replace your roof might leave you with more questions than answers.

In the aftermath of a storm, the last thing you want to do is waste time sorting through technical terminology or get overwhelmed by the many options available to you.  Figuring out the best way to get your roof replaced can be confusing, but it is important to understand how the insurance process works, in order to get the results you need from both your insurance company and your roofing contractor.  We’re here to help make that process a little smoother.

Here is a guide to help answer some of your insurance roof replacement questions.


insurance roof replacement questions


What is replacement cost value?
Replacement cost value (RCV) represents the cost of current replacing the damaged property.  Basically, it is the value of the property when it is entirely undamaged.  If you have an RCV policy, your insurance company will compensate you for the full price of replacing your roof, minus your deductible.

What is actual cash value?
Actual cash value (ACV) is the value of your property at the present time.  ACV decreases every year because it accounts for the wear and tear on your roof over time.  If your roof sustains any damage, you will only receive compensation for the depreciated value.

What is recoverable depreciation?
If your homeowners’ insurance policy includes replacement cost coverage and you file a claim for property damage, then you may be eligible for reimbursement to cover the depreciation of the affected items in question. In such a situation, the depreciation on the affected items would be considered recoverable. Recoverable depreciation is calculated as the difference between an item’s replacement cost and ACV.

What is non-recoverable depreciation?
Non-recoverable depreciation is the amount of depreciation that is deemed ineligible for reimbursement under your insurance policy. If you have a non-recoverable insurance policy, your insurance company will only pay the Actual Cash Value of the items for which you file claims.


What difference will a cat-adjuster make for me?
Working with a catastrophe adjuster will benefit you by helping you to understand your insurance policy thoroughly.  Insurance policies can be complex, and it is often time-consuming and frustrating to sort out what you are covered for.  An insurance adjuster will ensure that you receive fair value for your claim.  And because they are familiar with the language and process, they will help you to reach a faster resolution of your claim.

What is full scope of insurance proceeds?
Insurance proceeds are the benefits payable from a claim on an insurance policy.  The amount you will receive when filing a storm damage roof insurance claim depends on what you policy covers, as well as the scope of the damage to your roof.  An insurance adjuster will inspect your roof and report everything that that has been damaged.

Why is it a felony to profit from an insurance loss?
It is illegal to profit from your insurance loss, so be sure to work with a trustworthy and ethical roofing contractor.  If your contractor repairs or replaces your roof for less money than your insurance claim gave you, you are required to return the excess money to the insurance company.  Failing to do so could result in hefty fines or even jail time if the insurance company finds out.  It is much better to communicate clearly with your adjuster about the cost of repairs!

Will the adjuster give me enough money for a quality restoration?
After you file a storm or wind damage insurance claim, an adjuster will inspect your roof and determine what needs to be repaired or replaced.  It is a good idea to hire a reputable third-party contractor to give a second opinion.  The adjuster and contractor should communicate with one another to ensure there is agreement on the extent of the damage.  The cost to repair your roof will be determined by the adjuster and contractor, so if they are both present at the inspection, this will reduce discrepancies and allow you to receive enough money for a quality restoration.

What can I do if my adjuster didn’t or doesn’t give me enough money for a quality job?
If you feel that it will cost more to repair the damage to your roof than your adjuster gave you, you can request a second inspection.  If the damage is difficult to see, it is possible for the adjuster to overlook something on the first inspection. Having input from your roofing contractor can also be helpful in clearing up discrepancies.

If all these questions are hard to understand or answer, then let a professional help you.
We can answer all of your questions and help you get everything you deserve.



Still a little confused?

Don’t worry. Insurance claims aren’t easy. If you have any questions, be sure to call American Dream Restoration at one of our local offices (Front Royal, Woodbridge, Winchester).

Our roofing and storm damage professionals will be happy to answer any of your questions.

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