Question 1

Can AC INC Roofing tell me what my policy covers?

Accepted Answer

No. We are a licensed roofing contractor, not a licensed insurance agent or public adjuster. Your insurance agent and your policy declarations page are the authoritative source for what is covered. We can explain what we observe on your roof and provide a Xactimate-compatible scope; the coverage interpretation belongs to your carrier.

Question 2

What does "recoverable depreciation" mean?

Accepted Answer

Recoverable depreciation is the difference between RCV and ACV that the carrier holds back from the initial claim payment and releases after the work is completed and final invoices are submitted. It is a "completion incentive" built into the policy — you only get the full RCV if you actually do the work.

Question 3

My adjuster wrote a scope I disagree with. What now?

Accepted Answer

Document the disagreement. A second HAAG Certified inspection, additional photos, code-citation documentation, and a written rebuttal can be shared with the carrier. If the dispute is about coverage, scope dollar amounts, or depreciation, that is licensed-professional territory — talk to a licensed Colorado public adjuster or insurance attorney before invoking appraisal or filing a complaint.

Question 4

Why won't AC INC Roofing tell me how much the carrier 'should' pay?

Accepted Answer

Because that is not legally our role. Coverage and dollar amounts are determined by the homeowner’s policy and their insurance carrier. As a licensed roofing contractor we are not licensed to estimate, appraise, or negotiate insurance losses on a homeowner’s behalf.

Roof Insurance Coverage Basics