The Two-Check Insurance Timeline Changes When You Ask
Most roof replacement claims run on Replacement Cost Value (RCV) coverage, which pays out in two separate checks instead of one lump sum. Understanding that timeline matters for review requests because it hands you a second, natural touchpoint with the homeowner that no other trade in this guide series has.
How the Two Checks Work
The insurer’s first check covers the Actual Cash Value (ACV) — the replacement cost minus depreciation and the deductible. The second check, covering the withheld depreciation, is released only after the homeowner completes the repairs and submits documentation proving what was actually spent. Most policies set a strict window, commonly around 180 days from the loss date, to submit that documentation before the recoverable depreciation is forfeited entirely.
The First Ask: Right After the Final Walkthrough
This is the moment every other trade in this guide series uses too — once the replacement is complete, inspected, and the homeowner has walked the property. Ask here the same way you would for any finished job: directly, by text, with a link that takes one tap.
The Second Ask: When the Depreciation Check Clears
This is the moment unique to roofing. Weeks or months after the first ask, when the depreciation check finally clears, you have a legitimate reason to check back in — confirming the paperwork went through, closing the loop on the claim, and reminding a customer who may have simply forgotten the first request. For a customer who did not leave a review the first time, this second, unforced touchpoint often lands better than a generic follow-up ever would.
Building this second ask into your process, tied to the documentation deadline you are already tracking for the depreciation claim, turns a compliance step you are doing anyway into a second real chance at a review.