Is $15,000 to replace roof via insurance claim a fair price?
Project Details
The homeowner has an ACV (Actual Cash Value) policy rather than RCV (Replacement Cost Value). The roofing company incorrectly assumed the depreciation was recoverable and assured the homeowner their out-of-pocket cost would only be the deductible plus $1,000. After completion, the company discovered the depreciation was non-recoverable and is now seeking several thousand dollars in additional payment.
Quote Details
Full roof replacement project managed through insurance claim. - Coordination with insurance company for claim processing - Replacement of roofing materials - $1,000 in additional work not covered by insurance - Initial claim payment of approximately $7,000 applied
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More Details
Category
Roofing
Price
$15,000
Quote Date
May 18, 2026
Tearoff included?
No
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