Recoverable Depreciation on Indiana Roof Claims | Homeowner Guide

Recoverable depreciation is the portion of an Indiana roof's value the insurer holds back at first payment and releases after the work is completed. On a Replacement Cost Value (RCV) policy, the insurer first pays Actual Cash Value (ACV) — depreciated value of the old roof — then reimburses depreciation once the Certificate of Completion and final invoice are submitted matching the approved Xactimate scope. Central Indiana second payments typically run $3,000–$9,000.

Most carriers require completion within 180–365 days of the loss date. Rick's Roofing files the completion paperwork on your behalf. Call 317-223-3972.