Stop Leaving Thousands on the Table with Your Roof Claim
98% of homeowners never claim their full depreciation holdback. Most don't even know it exists. RidgeCap GC makes sure you get every dollar you're owed — and a roof built to last.
Your insurance company holds back a portion of your claim — called recoverable depreciation — until repairs are completed. The average holdback is $8,000–$15,000.
Your Insurance Company Isn't Hiding Money — But They're Not Telling You About It Either
When your insurance company pays out a roofing claim, they typically issue two checks. The first is the Actual Cash Value (ACV) — the depreciated value of your old roof. The second, larger check is the Recoverable Depreciation — and it only gets released after you complete the repairs and submit documentation.
Most homeowners never know this second check exists. They use savings, credit cards, or money from other household funds to cover what they think is a gap — when in reality, that money was already set aside for them.
- Recoverable depreciation exists on 98% of all roofing claims
- The average unclaimed holdback is $8,000–$15,000
- You must complete repairs and submit proof to receive it
- Most contractors never explain this process to homeowners
- The window to claim depreciation is typically 6–12 months
Watch Us Walk Through a Real Insurance Estimate
Most homeowners have never seen what's actually inside their insurance paperwork. In this video, we break down a real estimate line by line — showing you exactly where the money is and how we recover it.
Can You Read This? Most Homeowners Can't —
And It Costs Them Thousands
Insurance estimates are written for adjusters, not homeowners. Without knowing how to read them, you're flying blind — and contractors who don't explain them are counting on that.
Line Item Confusion
Insurance estimates use industry codes, abbreviations, and jargon that most homeowners can't decipher. Hidden within those lines are items you're entitled to — but only if you know to ask for them.
The Price Gap Myth
Carrier estimates often look lower than contractor bids — and homeowners assume they have to make up the difference out of pocket. In reality, the gap is almost always covered by recoverable depreciation and supplement items.
Missing Scope Items
Adjusters work fast and sometimes miss items: code upgrades, drip edge, ice & water shield, ventilation, or damaged decking. These are legitimate claim items that can be supplemented — but only if someone catches them.
Supplement Negotiations
Quality roofing often requires additional materials discovered during tear-off. We document everything, photograph every detail, and handle all supplement negotiations with your carrier at no extra cost to you.
We Translate Your Estimate — Line by Line
RidgeCap GC sits down with every homeowner and walks through their insurance estimate in plain English. We identify every recoverable item, flag missing scope, and make sure you understand exactly what you're entitled to before a single shingle is touched.
There Are Two Checks in Every Roofing Claim.
Most Homeowners Only Get One.
The holdback system is built into nearly every homeowner's insurance policy — but carriers don't advertise it. Here's exactly how it works and why most people leave that money behind.
Insurance Issues ACV Check
Your carrier sends the first check — the Actual Cash Value. This is the depreciated value of your old roof. Most homeowners think this is the full payout.
Holdback Funds Are Reserved
Simultaneously, the carrier sets aside the Recoverable Depreciation — your holdback. This money sits in reserve, waiting for you to claim it. It does NOT expire immediately, but you have a limited window.
Repairs Are Completed
Once your roof is installed, you have proof of completion. This is the trigger that unlocks the holdback funds. Without this documentation, the money stays with the carrier.
You Submit Completion Docs
A final invoice, photos, and completion certificate are submitted to the carrier. RidgeCap GC handles all of this for you — most homeowners don't know this step even exists.
Second Check Arrives
The carrier releases the holdback funds. This is your money — money you paid premiums for. The average second check is $8,000–$15,000. RidgeCap GC makes sure it gets to you.
of Roofing Claims Have Unclaimed Depreciation
If you've had a roofing claim in the last 6–12 months and haven't received a second check, there's a very good chance your holdback funds are still waiting. Don't let that deadline pass.
Why the Carrier's Number Looks Low —
And Why It Doesn't Have to Be
Homeowners see the insurance estimate, compare it to a contractor's bid, and panic. They think they have to find the cheapest roofer or pay the difference themselves. Neither is true.
Chase the Cheapest Bid
- Accept the ACV check as full payment
- Find the lowest-priced contractor
- Contractor cuts corners to hit the number
- Mismatched materials void the warranty
- Roof fails in 5–7 years instead of 25+
- Never claim the depreciation holdback
Pay the Difference Out of Pocket
- Accept the ACV check
- Hire a quality contractor
- Pay $5,000–$12,000 out of pocket
- Use savings, credit, or other funds
- Still don't claim the depreciation holdback
- Overpay when the money was already there
Maximize Every Dollar
- Review full estimate and identify all recoverable items
- File supplements for missed scope items
- Install with manufacturer-certified materials
- Document everything for depreciation claim
- Submit completion docs and recover holdback
We Maximize Your Claim AND Deliver a Roof That Lasts
Our proven process ensures you get every dollar from your insurance claim while receiving a quality installation that's built to last — with full manufacturer warranty coverage.
Free Roof Inspection
We conduct a thorough inspection with photo documentation of every detail — damage, decking condition, flashing, ventilation, and more.
Estimate Translation
We sit down with you and decode your insurance estimate line by line — in plain English. You'll know exactly what you're entitled to.
Depreciation Identification
We calculate your full recoverable depreciation holdback and identify any missing scope items that can be supplemented.
Certified Installation
We install your roof using manufacturer-certified materials and methods, documenting every step for warranty compliance and supplement filing.
Supplement Filing
We document all additional items discovered during installation and file supplements with your carrier — at no extra cost to you.
Depreciation Recovery
We submit your completion documentation and help you recover your full holdback. Most homeowners receive a check they never expected.
See the #RidgecapWorks in Action
Take a look at some of our completed projects — from full insurance claim replacements to storm damage restorations across NWA and DFW.
Full Replacement — NWA
Storm Damage Restoration — DFW
Insurance Claim Roof — Rogers, AR
Residential Replacement — Bentonville, AR
#RidgecapWorks — Project Video
#RidgecapWorks — Aerial Footage
#RidgecapWorks — Installation Timelapse
#RidgecapWorks — Before & After
#RidgecapWorks
Every one of these was an insurance claim.
Zero out-of-pocket for the homeowner in most cases.
What Homeowners Are Saying
About RidgeCap GC
Real reviews from real customers who discovered they were leaving money on the table — until they called us.
"They kept every promise that they made, including the quality of their work and time frame. They worked seamlessly with our insurance agent and made the whole process a breeze. They kept us informed from the get-go and were very professional throughout. I'm very impressed with this company and highly recommended them."
"They kept every promise that they made, including the quality of their work and time frame. They worked seamlessly with ..."
"RidgeCap GC handled our entire insurance claim from start to finish. I had no idea about the depreciation holdback until..."
"After the hail storm, I got three bids. RidgeCap was the only one who actually sat down and explained my insurance estim..."
Stop Leaving Money on the Table. We'll Get It Back for You.
A free inspection and claim review costs you nothing. In 30 minutes, we'll show you exactly how much depreciation you're entitled to, what your estimate is missing, and how RidgeCap GC can get your roof replaced with zero out-of-pocket cost in most cases.
Schedule Your Free Estimate Review and Inspection
Pick a time that works for you — no obligation
