Insurance coverages often have two different ways of evaluating how much you’ll receive for your roof. One is the replacement cost value (RCV). This is a more traditional type of coverage. The insurer will pay enough to cover the full cost of a roof replacement, minus your deductible. ACV is the actual cash value. This factors in the age of your roof and is more common in states with high wind and hailstorms. You’ll receive the amount of the roof replacement minus deductible and depreciation.