What Is Depreciation Holdback?

Most homeowner policies cover your roof at its replacement cost—not just what it was worth when it was damaged. But insurers hold back part of the payment until you prove you actually spent the money to fully replace the roof.

If you try to cut corners—maybe by hiring a friend or choosing a cheap contractor—the insurance company may say, “You didn’t spend the full amount, so we’re not releasing the rest.” That’s how many homeowners lose out on thousands of dollars they were supposed to receive.

Here’s How to Protect Yourself:
• Make sure your contractor writes a full replacement value contract (not just a repair).
• Get everything in writing, and confirm that your contractor is used to working with insurance claims.
• Ensure the contractor understands you’re counting on the full depreciation check to pay the balance.
• Don’t let the insurance company delay or avoid sending that final payment—Atlas can help you hold them accountable.

You’re Not Trying to Profit—You’re Just Trying to Be Made Whole

Insurance isn’t there to make you money—it’s there to put your home back the way it was. But if you don’t play by their rules, the insurance company may walk away with part of your payout.

At Atlas Adjusting, we fight to make sure that doesn’t happen. We’ll guide you through the paperwork, negotiate on your behalf, and ensure the insurance company releases every dollar they owe you.

Pro Tip: If your contractor offers extras (like upgraded shingles or better vents) to lock in the deal, that’s great—but make sure the work and cost still line up with your insurance settlement so you don’t lose your depreciation check.

You paid for a full coverage policy—don’t let the insurance company shortchange you on the back end. Let Atlas Adjusting make sure your roof is fully restored and you receive every dollar you’re owed.