RCV vs ACV roof 20

https://texasroofinsuranceguidetimes.silverstonebrief.com/posts/navigating-roof-repairs-a-practical-texas-roof-insurance-guide-for-2026

RCV, or Replacement Cost Value, pays to replace your roof with new materials of similar kind and quality, without deducting for depreciation. ACV, or Actual Cash Value, takes depreciation into account, so you'll receive less for an older roof. Choosing between them depends on your budget and how much risk you're willing to take—RCV costs more upfront but offers better protection when you need to file a claim.