ACV, RCV and depreciation are insurance valuation terms whose application varies by policy. A construction estimate is not a coverage determination. TRG does not calculate policy entitlement or pursue depreciation payments.
Key facts
- Valuation methods and depreciation terms depend on policy language.
- Payment conditions and deadlines vary; no payment timetable is promised.
- Completion invoices and photographs record work performed, not entitlement to insurance proceeds.
Definitions and role boundaries
- 1
Actual cash value (ACV)
A valuation term that generally accounts for depreciation; the policy determines its application.
- 2
Replacement cost value (RCV)
A valuation term related to replacement cost, subject to the policy’s conditions and limits.
- 3
Depreciation
An allowance for age or condition in a valuation; whether it is recoverable depends on the policy and insurer’s decision.
Frequently asked questions
What does Texas Roof Guardians provide?+
Texas Roof Guardians provides roofing inspections, construction estimates and project documentation—not public-adjusting or legal services. For coverage or claim questions, contact your insurer, a licensed public adjuster or an attorney.
Does this guide determine coverage or recommend a claim strategy?+
No. These are general definitions, not individualized coverage advice, claim representation or a promise of insurance payment.