ROOFING FAQs

RCV stands for Replacement Cost Value while ACV stands for Actual Cash Value. ACV is RCV minus depreciation. Depending on your particular policy with your carrier, depreciation may either be recoverable or non-recoverable.

Depreciation is the applied economic life adjustment your carrier’s adjuster applies to the claim settlement to account for the age/life of the materials affected by the loss.

Roof replacements completed as part of insurance claims usually take about 2-3 weeks, weather permitting. A lot of time is spent on administrative work required to meet with the adjuster, write the estimate of repairs, and agree on a settlement with the insurance carrier.

A typical roof replacement takes one day while larger, more complex roofs can take up to a maximum of 3 days. For larger projects involving siding and other exterior components, the actual work can be completed within one week.

The insurance process involves many administrative steps before a settlement is approved by the insurance carrier. The entire process is complicated. Our experienced staff will act as your advocate with the insurance carrier and handle this process on your behalf. You will receive adequate coverage to restore your property to a pre-loss condition or better. 

As your contractor, we get reimbursed for these efforts once the actual work is completed. Our contracts stipulate that you will only be responsible for charges if an insurance settlement is approved and the work is completed per the agreed estimate. There is no risk attached to signing a work authorization. If the claim is denied, there are no charges accrued.

The work authorization names us as your contractor and permits us to speak with the insurance company about your claim. This enables us to meet with the adjuster and ensure that your property is restored properly. Once approval is given, you can upgrade or change the scope of repairs to your liking and select the materials according to your needs.

Waiving your insurance deductible constitutes insurance fraud and is illegal. Unscrupulous “storm chaser” companies sometimes waive deductibles. This is against the law and if you knowingly participate in this scheme, charges can be brought against you.

We can assist you when you meet with your adjuster. During this meeting, the adjuster will ask you questions about the cause of the loss, when it happened, and what you have identified as damaged at the property. The adjuster will then determine whether the damages observed during the inspection are consistent with events that occurred on the date of loss, and will use their company’s metrics to ascertain what coverage should be afforded to you under your claim.

Our experts will be there by your side to ensure that all damages are discovered, and make recommendations on the scope of repairs required to restore the property to a pre-loss condition. We will work towards obtaining approval using expert judgment, facts, and professional advice.

In most cases, the adjuster and contractor agree on the facts readily but occasionally, carriers push back on valid claims. It may require multiple meetings with different adjusters and insurance representatives to revise the scope of work adequately to include enough proceeds to restore the property.

As your insurance advocates, we're committed to fighting for your policy rights. If there are any hidden defects and damages discovered after the work has begun, we have you covered with the supplement process.

Any change to the claim settlement that adds additional coverage for defects or code upgrades that were either missed or not readily apparent when the original scope of work was written is called a supplement.

This is a normal part of the insurance process. A supplement does not involve a new claim but simply adds coverage to your existing claim. We will provide documentation listing the circumstances of the missing item(s) and an additional written estimate to your adjuster. The adjuster will review and provide additional coverage under the same claim.

Yes, of course. You have complete control on the work done to your home and are free to make a variety of upgrades to the materials replaced on your property. Feel free to discuss these options with one of our representatives.