06/05/2026
Same storm. Different Outcomes.
One homeowner gets a full roof replacement paid for. The other pays thousands out of pocket.
The difference may come down to one line in your policy:
Replacement Cost Value vs. Actual Cash Value.
RCV helps pay to repair or replace covered roof damage based on today’s replacement cost, minus your deductible and subject to your policy limits.
ACV pays based on the depreciated value of your roof, which means age and wear can reduce the claim payout.
That’s why it’s worth knowing which type of coverage you have before the next storm, not after.
The best place to start is by reviewing your policy or reaching out to your insurance agent. Knowing whether your policy includes RCV or ACV can help you understand your options if a Virginia storm damages your roof.
A damaged roof is stressful enough without the paperwork. Whether you have an RCV policy and need help navigating the claim process, or an ACV policy and need financing options to help cover the gap without draining your savings, our team is here to help you through it.
Message us for a free roof inspection.