RCV vs ACV roof 8

https://wiki-book.win/index.php/How_to_Handle_a_Roof_Insurance_Claim_in_Texas_Without_Losing_Your_Mind

When choosing between RCV and ACV roof coverage, the main difference lies in how claims are paid. RCV, or Replacement Cost Value, covers the full cost to repair or replace the roof with like materials, minus the deductible. ACV, or Actual Cash Value, subtracts depreciation based on the roof's age and wear, so you get less money for older roofs. For example, a 15-year-old roof might get only a fraction of its replacement cost under ACV. Insurers often require RCV for newer roofs, but ACV policie…