YOUR ROOF IS DEPRECIATING.
YOUR COVERAGE COULD BE SHRINKING.
Every year your roof ages, your insurer covers less of it. A 20-year-old roof with a $500K replacement cost may only be covered at actual cash value, the depreciated figure. That gap can mean $200K+ out of your pocket after a catastrophic loss.
ACV VS. RCV
Your insurer deducts depreciation. On a 20-year roof, the gap between what it costs to replace and what they’ll pay grows every year.
RESETS
Your SPF system may be classified as a new roof installation, potentially restoring full replacement cost coverage from day one, subject to carrier approval and policy terms.
HOW SPF RESETS YOUR
INSURANCE.
Thermal drone inspection identifies current condition. Most roofs with structural integrity intact are candidates for SPF restoration.
Spray polyurethane foam applied directly over existing roof. Seamless, monolithic membrane with R-6.5/inch insulation value.
Independent post-application verification by Sherwin-Williams before warranty issuance. Third-party accountability built in.
Your insurer may reclassify the roof as a new installation. Full replacement cost value coverage may be restored. Results vary by carrier and policy.
THE $200K QUESTION.
50,000 sq ft commercial warehouse. Original roof installed 20 years ago. Replacement cost: $500,000.
Insurance pays ACV: ~$300K (depreciated). Building owner pays the remaining $200K out of pocket to replace the roof.
Insurance may pay RCV: full $500K replacement cost, subject to carrier approval and policy terms. Roof may be reclassified as new after SPF application.
SPF application typically satisfies carrier requirements for roof reclassification as a new installation, restoring full replacement cost value (RCV). Silicone restoration systems may also qualify for reclassification depending on your carrier, policy type, and underwriting criteria. We recommend discussing with your agent to confirm. Coverage outcomes, including whether ACV or RCV applies, vary by region, insurer, and policy.
CLOSE THE
COVERAGE GAP.
Find out if your roof qualifies for insurance reclassification with a free thermal inspection.