RCV vs ACV roof 2

https://texasroofinsuranceguidefocus.halcyonledger.com/posts/2026-texas-roof-insurance-guide-how-to-get-your-roof-replacement-covered

When comparing RCV and ACV roof claims, the main difference is how depreciation is handled. Actual Cash Value pays what the roof is worth today, minus age and wear, so an older roof gets much less. Replacement Cost Value covers the full cost to replace it with a similar one, minus your deductible. Many homeowners choose RCV to avoid surprise out-of-pocket costs after a storm, but ACV policies have lower premiums. It’s a trade-off between upfront savings and financial protection down the road.