If a storm or a leak damaged your roof, your homeowner's insurance may cover the repair or replacement — but the process confuses most people. Here's the plain-English version so you know what to expect.
RCV vs. ACV — the two numbers that matter.
Replacement Cost Value (RCV) is what it costs to replace your roof with new materials today. Actual Cash Value (ACV) is that amount minus depreciation (age and wear). Many policies pay the ACV first, then release the remaining "recoverable depreciation" after the work is completed — so the full benefit comes in two parts, not one check.
Your deductible.
You pay your policy deductible, and insurance covers the rest of the approved scope. Knowing your deductible up front tells you your real out-of-pocket cost.
The scope is everything.
Carriers sometimes approve less than the repair actually requires. This is where an experienced contractor matters: documenting the true damage with photos and measurements and working directly with your adjuster so the approved scope reflects what your home really needs.
🚩 Beware "we'll waive your deductible" offers.
A contractor offering to "eat" or "waive" your deductible is usually committing insurance fraud — and it's illegal. It's one of the biggest red flags of a storm-chasing operation. A reputable contractor never asks you to be part of that.
How IBBUILDERS helps.
We assess the damage, work directly with your carrier and adjuster, handle the documentation, and rebuild your roof start to finish — one accountable team for the claim and the construction. Licensed GC BC-39795, fully insured, serving all of Oʻahu.
Filing a roof claim on Oʻahu? Call or text (808) 840-3193 for a free consultation — we'll walk you through it.