Roofing Claim Assistance

Navigating the world of insurance claims for roof replacement can be daunting, as insurance companies often have complex terminology and procedures. This post aims to clarify the different terms associated with roof replacement insurance claims, empowering you to ensure proper payment for your roof replacement.

RCV (Replacement Cost Value)

The Replacement Cost Value (RCV) is a crucial aspect of the insurance claim process, as it represents the amount the insurance company will pay to replace your roof. It’s important to note that the RCV amount doesn’t necessarily reflect the current cost of replacing your roof but rather the cost it would have been to replace it on the day it was damaged.

ACV (Actual Cash Value)

The Actual Cash Value (ACV) is the amount the insurance company pays after deducting depreciation from the RCV. The depreciation factor considers various elements such as the age and condition of existing materials and the type of damage. In some cases, if you are replacing an outdated material with a new one, no depreciation may be applied.


Depreciation accounts for the wear and tear on materials since their original installation. The amount of depreciation depends on the number of years that have passed since installation and the level of maintenance performed over those years. An adjuster or approved contractor from the insurance company determines the depreciation amounts.


A supplement refers to an additional payment made by the insurance company when they determine that more funds are necessary to cover additional costs associated with roof replacement. These costs may include labor, permits, additional materials, and more. Supplements are typically requested after work has commenced and can take weeks or months for approval. It’s crucial to understand that supplements are not guaranteed and must be requested and approved before any extra funds are provided by the insurance company.

By comprehending these terms, you can ensure that your homeowners’ insurance policy adequately covers your roof replacement and avoid unexpected out-of-pocket expenses. If you require assistance navigating this process, do not hesitate to reach out to us. We specialize in helping homeowners in Jacksonville, FL, navigate their homeowners’ insurance claims process. We look forward to assisting you soon!

Yes! At Trinity Restoration & Roofing, our experienced staff will inspect your roof at no charge and leave you with a comprehensive, personalized report with photos and free estimates. We also offer free upgrades to Owens Corning’s top-of-the-line Duration shingles. There is never any pressure or obligation. We just want to offer phenomenal service and provide you with the information you need to make the decision that is best for you. Contact us today!

There are two kind of roofing projects, retail and insurance. For retail projects, we require 25% down and the balance to be paid within 48 hours after the county issues a certificate of completion.

For insurance funded projects, the first payment made is the homeowner's deductible. The deductible is paid once the homeowner has received their insurance scope of work and confirmation of an approved claim. We collect the first insurance payment the day work begins, this payment is usually 50% of the job cost. The final insurance payment usually comes 30-90 days after the work is completed. We ask that this payment be made as soon as the homeowner receives it.

Contact us today and schedule a free inspection and estimate with one of our experienced Project Managers, who will remain your point of contact throughout the entire process. The Project Manager will provide you with a full consultation to explain all of your available options and will leave you with a business card and a folder of information so you can choose what is best for your individualized needs.

Trinity offers a 10-year Workmanship Warranty backed by Owens Corning which guarantees quality workmanship. Most of our competitors offer a 2-year warranty, which is industry standard. With our 10-year warranty, Trinity will ensure that should any leaks or other issues occur due to workmanship, we will make repairs at no cost to the homeowner.

As a veteran-owned company, Trinity has the utmost respect for those who have served our country and first responders who risk their lives to keep our families safe. As a thank you to those brave men and women, we are proud to offer a hero’s discount of $300 off every roof replacement.

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