Pennies on the Dollar: How Depreciation Schedules Shrink Your Roof Claim and What You Can Do About It
When insurers apply depreciation to a roof claim, homeowners often receive settlements that fall far short of what a full replacement actually costs. Understanding the difference between Actual Cash Value and Replacement Cost Value — and knowing when those calculations have been manipulated — can mean the difference between a fair recovery and a devastating financial shortfall. This article breaks down how depreciation works, where insurers overreach, and the legal avenues available to fight bac