Rcv roofing insurance doesn t take into account depreciation and instead pays the entire cost for the replacement of your roof. You have to come up with the actual amount to do repairs on the property and replace contents. If your acv policy has a 2 000 deductible you pay that amount first then the insurance company pays the remaining 4 000 so if a new roof costs the same 10 000 you re responsible for 6 000 2 000 deductible 4 000 difference in cost.
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