Roof Replacement Cost (RCV) vs. Actual Cash Value (ACV) in Texas

RCV vs. ACV: The Big Difference

**Replacement Cost Value (RCV)** pays the full current market price to build a brand-new roof of similar quality, minus your deductible.
**Actual Cash Value (ACV)** depreciates your roof based on its age and condition. If your 15-year-old shingle roof is destroyed by hail, ACV pays only its depreciated remaining value—leaving you to pay thousands out of pocket for the rest.

The Texas Aging Roof Schedule Trend

Due to massive hail losses in Texas, many major insurance companies automatically convert roof coverage from RCV to an **ACV Roof Settlement Schedule** once shingles reach 10 to 15 years of age. Always check your policy declarations page for an 'ACV Roof Endorsement'.

Impact-Resistant Shingle Discounts (Class 4 IR)

Installing TDI-approved Class 4 Impact-Resistant (IR) shingles can qualify Texas homeowners for annual insurance premium discounts ranging from **10% to 28%** with major carriers.