What is recoverable depreciation on my insurance paperwork?

There are two important terms involved in depreciation.  ACV (Actual Cash Value) and RCV (Replacement Cost Value).  Depreciation is the difference between the RCV and the ACV.  Depending on your specific insurance policy, the depreciation is either recoverable or non-recoverable. Because most insurance policies grant payment for ACV at the …

Why are my shingles curling?

There are a couple main reasons why shingles can look “curled” Aging and subsequent weathering anomalies Poor ventilation exacerbating the aging process Defects in the shingle materials or manufacturing process resulting in accelerated deterioration AGING AND WEATHERING Composition shingles, or asphalt shingles, are made of a reinforcement called the mat, …