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RCV vs ACV roof 6

https://roofinsuranceclaimtexasfacts.rivertonbrief.com/posts/how-to-handle-a-roof-insurance-claim-in-texas-without-losing-your-mind

RCV stands for Replacement Cost Value, which covers the full cost to replace a roof at today's prices without deducting for depreciation. ACV, or Actual Cash Value, takes depreciation into account, meaning you'll get less if your roof is older. This difference hits hard when you file a claim after a storm or leak—the type of policy you choose directly affects your out-of-pocket costs and how quickly you can fix the roof.