Replacement Cost Value (RCV) pays the full current cost to replace your roof, minus your deductible.

Actual Cash Value (ACV) factors in depreciation, often leaving homeowners with high out-of-pocket costs for older roofs.

Knowing which type you have matters — it can mean thousands of dollars in difference.

Depreciation is the reduction in a roof’s value based on age and wear.

Under an ACV policy, the insurer subtracts depreciation from your payout.

Under an RCV policy, the insurer holds back depreciation until 5Coat provides proof that the full replacement is complete.

You’re responsible for your deductible — that’s your policy obligation. Beyond that, if your coverage is RCV, insurance pays the full replacement cost.

Be cautious of contractors who offer to waive your deductible. Oklahoma law prohibits this for a reason — it can result in your claim being denied and your policy cancelled.

Storm claims are generally treated as acts of nature and typically don’t impact individual premiums the way liability claims do. However, frequent regional storms can lead to overall rate adjustments across a zip code.

Start with a professional inspection to verify and document functional damage first. Filing an unverified claim can impact your policy history without providing a payout. A detailed inspection report gives you the proof needed to support a successful claim.

Insurers want high-resolution photos, a professional inspection report, and weather verification for your specific address. The 5Coat Evidence Package provides all of this — built on our Prove-It™ promise that every claim should be backed by photo evidence the adjuster can actually use.

Some insurers request multiple bids, but many rely on a single qualified contractor’s documentation. Accurate documentation often carries more weight than the number of estimates.

Yes. Oklahoma homeowners have the legal right to select their preferred licensed contractor. You’re not required to use the insurer’s recommended company.

Claims are often denied due to insufficient documentation or reporting delays. If this happens, 5Coat can provide a professional reinspection with the additional photographic and meteorological evidence needed for an appeal.

Yes. Bryan can be on site during the adjuster meeting to walk through the documented damage and answer questions in real time. Having a contractor present often results in faster, more accurate claim approvals.

The 5Coat Evidence Package is our complete documentation system — built on the Prove-It™ promise that every claim we make should be backed by photo evidence you can see for yourself.

For insurance claims, your Evidence Package gives the adjuster organized, professional documentation they can actually use — not a folder of scattered phone photos.

That’s the Prove-It™ standard: every claim, every photo, every time.