Your roof is damaged. How your policy values it changes the claim.
Two homeowners can have similar roof damage and very different out-of-pocket exposure because their policies settle the roof differently. Before comparing the insurer's check with a contractor quote, identify whether the roof is being handled on actual cash value or replacement-cost terms.
Check My Roof Claim →Start with the coverage basis. Then do the math.
Roof claims combine damage scope, deductible, valuation and actual repair cost. HAVRYO separates those layers so a homeowner can see whether the gap is caused by ACV treatment, recoverable depreciation, deductible, scope or pricing.
What roof work is covered?
Separate the insurer's covered scope from the contractor's proposed work. Similar totals can hide different quantities and operations.
ACV or replacement cost?
Find the roof settlement language in the policy and endorsements that applied on the date of loss.
Recoverable or not?
Identify what the insurer withheld and whether the claim documents label depreciation as recoverable, nonrecoverable or otherwise limited.
What remains out of pocket?
Reconcile deductible, initial payment, potential additional payment and actual repair cost before making the repair decision.
Roof age can affect insurance. It does not tell you the settlement basis.
A roof can be old, damaged by hail and subject to a particular settlement endorsement at the same time. Those are separate facts. HAVRYO should never convert “old roof” into an assumed ACV rule.
The correct path is document-first: declarations, endorsements, claim estimate, deductible and contractor scope.
Use the contract in force on the loss date
Roof settlement provisions and endorsements can materially change the payment structure. The actual policy controls.
Colorado defines recoverable depreciation
C.R.S. §10-4-110.8 defines recoverable depreciation as the difference between replacement cost and actual cash value. That definition does not make depreciation recoverable on every claim.
Keep deductible separate from depreciation
Both can reduce an initial payment, but they represent different claim components and should not be combined into one unexplained “shortfall.”
No promise of roof replacement payment
HAVRYO reconciles policy and claim information. It does not determine coverage, claim value or what an insurer legally owes.
One roof claim. Five numbers that need to agree.
This module connects the roof pages with the Claim Payment Reconciler and Depreciation Checker—turning a generic claim question into a structured financial decision.
Check My Roof Claim →Insurer-approved roof work and quantities.
The insurer's stated replacement-cost figure for covered work.
Amount withheld and whether the claim identifies it as recoverable.
Separate homeowner share from valuation adjustments.
Compare real repair scope and price before deciding the next claim step.
Don’t ask only “How much did they pay?” Ask how the roof was valued.
ACV, replacement cost, depreciation and deductible belong in the same claim picture—but they are not the same thing.
Check My Roof Claim →