Guides
Insurance Claim Shingle Quotes: ACV, RCV, and Deductible Line Items
Insurance claim shingle quotes separate ACV, RCV, and deductible line items so contractors can price restoration work without leaving money on the table.
What to take away
- Insurance claim shingle quotes separate three money columnsactual cash value (ACV), replacement cost value (RCV), and the homeowner's deductible.
- ACV is the depreciated value the insurer pays first; RCV is the full rebuild cost after work is done and documented.
- A compliant quote shows recoverable depreciation and non-recoverable depreciation as separate line items because state practices differ.
- Florida adjusters often apply a roof age schedule; Texas quotes commonly carry a windstorm deductible of 1 to 5 percent of dwelling coverage.
- The contractor's quote must match the insurer's line items or the homeowner eats the difference.
An insurance restoration quote is not a retail roofing bid. It is a claim document that must line up with the adjuster's estimate, the policy declarations page, and state rules.
What the range covers
For a typical 30-square asphalt shingle roof claim in a hail or wind event, a complete line item quote spans roughly $12,000 to $22,000 in 2025 dollars. The low end reflects a simple one-story roof with three-tab shingles and no code upgrades. The high end includes architectural shingles, a steep pitch, two layers of tear-off, and local code items such as secondary water barrier. These figures are illustrative, not national averages, because insurance claim pricing follows the carrier's own estimating software and local labor rates. FEMA's building science publications walk through roof damage assessment and replacement cost considerations after a storm, which is why adjuster and contractor line items should match.
Line by line
A claim quote usually carries these line items in the order an adjuster expects.
ACV, RCV, and Deductible Math
- RCVreplacement cost value
- ACVRCV minus depreciation
- Deductiblesubtracted from ACV
- First checkACV minus deductible
| Line item | Illustrative range on a 30-square claim |
|---|---|
| RCV materials | $8,000 to $12,000 |
| RCV labor | $4,000 to $7,000 |
| Tear-off and disposal | $1,500 to $3,000 |
| Code upgrades | $500 to $2,000 |
| Overhead and profit | $1,000 to $2,500 |
| Recoverable depreciation | $2,000 to $5,000 |
| ACV paid before work | $9,000 to $14,000 |
| Homeowner deductible | $1,000 to $5,000 |
The table is illustrative, not a policy schedule. ACV equals RCV minus depreciation, then the deductible is subtracted from ACV. Actual cash value is replacement cost minus depreciation as defined in property insurance practice. The deductible is the homeowner's share subtracted before the first check. For a client-facing version, follow Break Down a Shingle Roof Quote.
A clean claim quote repeats the adjuster's line item names exactly. If the adjuster writes R&R ridge cap and the contractor writes ridge replacement, the carrier may reject the supplement.
What moves the number
Three drivers move the final number more than anything else.
- Shingle type. Architectural shingles carry a higher RCV than three-tab, and the difference shows up in the material line. Three-Tab versus Architectural Shingles explains how the choice changes the quote.
- Roof pitch and height. Steep or two-story roofs increase labor, equipment, and fall protection costs. OSHA fall protection may appear as a separate compliance line.
- Code upgrades. Florida and Texas wind codes may require secondary water barrier, ring-shank nails, or sealed roof deck. These items add $500 to $2,000. ASTM D3462 classifies glass felt asphalt shingles, and material line items reference that standard when a carrier audit happens.
In Texas, windstorm deductibles are often percentage based, 1 to 5 percent of dwelling coverage. If dwelling coverage is $300,000, a 2 percent deductible is $6,000. That single line can erase most of the ACV payment on a small repair.
What quotes leave out
Many contractor quotes omit non-recoverable depreciation. That is the amount the insurer will never pay because the roof was already old. Some quotes bury code upgrade coverage in a lump sum, which can trigger denial if the adjuster requires a separate line. Others forget sales tax on materials in states that do not exempt roofing supplies. A quote that does not show the deductible as a separate line can look fraudulent to the carrier.
Where people overspend
Homeowners overspend when they ask for full replacement on a repairable roof and the carrier only approves a repair ACV. Contractors overspend time when they do not submit a final invoice with photos that match the adjuster's line items. A common failure is adding overhead and profit twice: once in the RCV total and again as a separate line on the final invoice. Carriers see that and reduce the payment. Use Sample roofing contractor quotes to see how the line items fit one page.
