We regularly get phone calls from to homeowners who are concerned that they won't be able to get their roof replacement completed because their insurance check is so low.  Rather than being an intentional shady deal from the insurance company, the confusion is usually caused by a misunderstanding of how the claim process and payments work.  Believe it or not, there's a good reason why your insurance check is so low.


There are two basic types of insurance coverage for wind and hail damaged property: Replacement Cost Value (RCV) and Actual Cash Value (ACV).  There's also Recoverable Depreciation, Non-recoverable Depreciation, and the Deductible.  All of this can make for a confusing journey for a homeowner.

Take a walk with us for a few minutes and find out how all this works.  Find out why your insurance check is so low, and why you'll  likely get another check from your insurance company.

Homestead Roofing, Inc is a licensed and fully-insured roofing contractor in Colorado Springs, Colorado.  We serve homeowners in Colorado Springs, Fountain, Falcon, Peyton, Manitou Springs, Woodland Park, Elbert, and other surrounding communities in El Paso, Teller, Elbert, and Chaffee counties.

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