Recoverable Depreciation

Roofing terms · plain-language definition, with its source

Roofing terms · definition

The depreciation amount the insurer withholds initially and pays once the roof is replaced and documented under an RCV policy.

Source: Investopedia — Depreciation

Where this comes up on this site

  • Replacement Cost Value (RCV)

    Coverage paying the full cost to replace the roof without depreciation, typically releasing recoverable depreciation after work is comple…

  • Rake

    The sloped edge of a gable roof from eave to ridge. Rake edge gets drip edge and is a wind-uplift starting point.

  • Ridge

    The horizontal top line where two roof planes meet — the highest point and a key ventilation location (ridge vent).

  • PVC Membrane

    A single-ply thermoplastic membrane with heat-welded seams and strong chemical/grease resistance, used on low-slope roofs.

  • Ridge Vent

    A continuous exhaust vent along the ridge that lets hot, moist attic air escape. The preferred exhaust in a balanced system.

  • Public Adjuster

    A licensed adjuster the homeowner hires (for a fee) to represent their interests in a claim, independent of the insurer.

  • Roof Drain / Scupper

    Low-slope roof drainage — an internal drain or an edge scupper. Undersized or clogged drainage causes ponding and structural overload.

  • Power / Solar Attic Fan

    A motorized attic exhaust fan. Useful where passive venting is inadequate, but can backdraft or pull conditioned air if intake is insuffi…

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