ACV vs RCV Roofing in DFW What Homeowners Are Actually Paid

If your insurance check won’t cover a new roof, depreciation is the reason. ACV versus RCV is where most DFW homeowners and property managers lose money.

For help recovering withheld insurance funds, call Roofing Professionals of Texas at 469-906-2600 or visit roofingprotx.com.

What ACV Means

Actual Cash Value reflects depreciation based on age and condition. In North Texas, older roofs are often heavily depreciated even after legitimate storm damage.

What RCV Means

Replacement Cost Value is the full cost to replace the roof. RCV is released only after repairs are completed and invoiced.

DFW Example

A Plano homeowner receives $14,000 ACV on a $22,000 roof. The $8,000 difference is depreciation released after completion.

Carrier Behavior Patterns

  • Uniform depreciation across all items.
  • Improper depreciation of soft metals.
  • Fence sections depreciated beyond reasonable lifespan.

Need help with roof or fence depreciation?
Roofing: 469-906-2600
Fencing: 817-909-0953

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