Insurance Terms: – Roof Desk

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Your Role at Avalon
The Avalon Sales Representative is an independent, commission-based professional responsible for generating and closing residential and commercial roofing and exterior projects. This role focuses on meeting with customers, identifying needs, presenting clear solutions, and guiding projects from initial contact through signed agreement. Sales representatives are expected to operate with professionalism, integrity, and accountability while representing the Avalon brand in the field. Success in this role comes from strong communication, accurate documentation, consistent follow-through, and a commitment to delivering a high-quality customer experience on every project.

Sales Standards and Expectations

Sales Terms and Processes:
This section introduces the core sales terminology and structured sales process used by our team. Understanding these terms and steps ensures clear communication, consistent customer experiences, and a professional approach at every stage of the sales cycle. Team members will learn how leads move through the sales process—from initial contact and qualification to discovery, proposal, follow-up, and close. Emphasis is placed on identifying customer needs, communicating value, addressing concerns with confidence, and guiding customers toward informed decisions. By mastering these sales terms and processes, team members are better equipped to build trust, maintain consistency, and represent the company with professionalism and integrity while delivering solutions that align with each customer’s goals.

Sales Technology:

Sales person licensing:

GAF Learning Portal

Estimates and Contract Writing:

Pricing:

Finance 101:

Insurance 101:

Insurance 101: 00:00

Insurance Terms: 00:00

Insurance Terms:

Depreciation: an accounting method used to allocate the cost of a tangible or physical asset over its useful life or life expectancy. Depreciation represents how much of an asset’s value has been used.

Deductible: A deductible is an amount of money that you yourself are responsible for paying toward an insured loss. When a disaster strikes your home or you have a car accident, the amount of the deductible is subtracted, or “deducted,” from your claim payment.

ACV (Actual Cash Value): The amount of your insurance claim minus the depreciation and deductible that the customer will receive whether or not they complete the repairs.

RCV (Recoverable Cash Value): The maximum amount you will receive if your Depreciation is recoverable and all repairs are completed.

Non Recoverable Depreciation: This is when a customer has an ACV (Actual Cash Value)Policy

Insurance Scope/Estimate/Adjusters Report: Terms used interchangeably for the document that outlines the repairs that are being covered under the loss.

Adjuster: Works for the insurance company and reviews losses and determines the coverage for those losses.

Agent: Individual who sells insurance policies.

ACV Policy: A policy under which the depreciation is not recoverable (will not be paid)

Code Upgrade Insurance: Insurance that allows for changes to be made per code that are not direct losses from the coverable event.

Loss/Coverable Event: Sudden and Accidental damage to home or property.

Insurance Policy: The document that outlines the customers coverage provided by their insurance.

Matching Coverage: Additional coverage on some policies that require insurance to cover areas that were not damaged in an effort to keep the exterior of the home uniform.

Not a matching state: Insurance carriers in Michigan are not required to “match” or have uniformity if the areas are outside of line of sight or distinctly separate.