Recover Your Withheld Insurance Depreciation
When your carrier paid ACV instead of RCV, they held back money that's rightfully yours. Most contractors and homeowners never collect it — not because they can't, but because the paperwork gets ignored or submitted wrong.
We handle the Completion Letter (COC) process from start to finish. You get paid what you were owed.
How Depreciation Recovery Works
Most insurance policies are "Replacement Cost Value" (RCV) policies — meaning they pay full replacement cost, not depreciated value. But carriers pay in two stages.
Carrier Pays ACV
Initial payment covers Actual Cash Value — replacement cost minus depreciation. This is often 60-80% of the full claim value.
Work Gets Done
Contractor completes the repairs. The clock starts on the depreciation recovery window — most policies allow 180 days to 2 years.
Submit COC + Invoice
A properly documented Completion Letter and final invoice triggers release of the withheld depreciation. We handle this step.
⚠️ Most ACV claims have a deadline. If you miss the recovery window, the withheld depreciation is forfeited permanently. Don't leave it on the table.
What We Handle
The COC process sounds simple. Carriers make it harder than it needs to be.
Completion Letter Preparation
We prepare a properly formatted COC letter that meets each carrier's specific documentation requirements. Generic templates get delayed. Properly formatted letters get processed.
Final Invoice Documentation
We compile and format the final invoice package including line-item breakdown, material documentation, and contractor information in the format each carrier requires.
Carrier Submission
We submit directly to the correct desk adjuster or special handling unit — not the general claims inbox where documents go to sit.
Follow-Up
We follow up with the carrier 2-3x per week until the depreciation check is released. Most uncollected depreciation stays uncollected because nobody follows up.
Supplement Review Included
While we have your file open, we review the original carrier estimate for any additional missed items that should have been supplemented. We tell you about them before submitting.
Multiple Claims
Managing open ACV claims across a portfolio of customers? We track deadlines, manage submissions, and follow up across all open files simultaneously.
Who This Service Is For
Roofing Contractors
You completed the job, the homeowner is happy, but the ACV claim is still open and nobody has collected the depreciation. It happens on every job. We systematically track and recover it for your entire customer portfolio.
Contractors with 50+ completed jobs often have $30,000-$100,000+ in uncollected depreciation sitting in open claims. We go get it.
Homeowners
Your roof was replaced but your insurance company only paid part of what they owe. You received an ACV check and were told you'd get the rest after completion — but no one told you what to do next.
We handle the entire COC submission process so you receive the remaining depreciation without having to navigate carrier bureaucracy yourself.
Pricing
Straightforward. No upfront fees. We recover your money, then take our percentage.
For contractors managing multiple open claims, volume pricing is available. Contact us to discuss your portfolio.
Frequently Asked Questions
What is insurance depreciation recovery?
When an insurance company pays an ACV (Actual Cash Value) claim, they withhold a portion of the payment as depreciation. Once the work is completed, you can submit a Completion Letter (COC) along with your final invoice to recover that withheld amount and receive the full RCV (Replacement Cost Value) payment.
How do I know if my claim has recoverable depreciation?
Check your Explanation of Benefits or claim summary from the carrier. If there's a line showing 'depreciation withheld' or if your payment was described as ACV with recoverable depreciation, you have money to collect. Send us your claim documents and we'll tell you exactly how much is recoverable.
What is a Completion Letter (COC)?
A Completion Letter, also called a Certificate of Completion or COC, is a formal document submitted to an insurance carrier confirming that the covered repairs have been completed. It triggers the release of any withheld depreciation. Proper formatting and documentation is critical — incomplete submissions are routinely delayed or rejected.
How long does depreciation recovery take?
Once we submit a properly documented COC, most carriers release the depreciation within 2-4 weeks. Some carriers are faster, some take longer. We follow up aggressively so your file doesn't sit.
Is there a deadline to recover depreciation?
Yes. Most RCV policies require the COC to be submitted within 180 days to 2 years of the initial claim payment, depending on the policy and carrier. After the deadline, the depreciation is forfeited. Contact us as soon as possible so we can check your specific deadline.
Don't Let Withheld Depreciation Expire
Send us your claim documents. We'll review them free and tell you exactly what's recoverable before you commit to anything.
Start Depreciation Recovery →