Pre-Loss
Replacement Cost Value vs Actual Cash Value
The difference that decides whether you get a new roof or the depreciated value of a 15-year-old roof.
The difference that decides whether you get a new roof or the depreciated value of a 15-year-old roof.
Pre-loss
Why this matters before you have a claim
RCV pays full replacement cost at current prices. ACV pays depreciated value. Florida policies typically write the dwelling on RCV and contents on either. Florida roof age endorsements may force ACV on older roofs.
What to do
The basics
- 01
Step 1
Check your dwelling coverage basis (RCV or ACV)
- 02
Step 2
Check your contents basis
- 03
Step 3
Review any roof age endorsements
- 04
Step 4
Understand depreciation release process (RCV pays ACV first, releases depreciation after repairs)
- 05
Step 5
Budget for the cash-flow gap during repairs
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the traps
Common mistakes
- XConfusing RCV with "extended replacement cost"
- XAssuming ACV settlement is final (you can still claim depreciation on RCV policies after repairs)
- XMissing roof age endorsements that downgrade to ACV
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Go deeper
Related resources
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Prepare
Other pre-loss preparation guides
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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