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How To Read An Insurance Estimate

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 How to Read An Insurance Estimate? Did you have recent storm damage to your home? You called your insurance company to file a claim and had an Insurance Adjuster come out to review the damage. Great News! You got approved and received an Insurance Claims Report to cover the repairs. As you look over the estimate you have these common questions: What is RCV? What is ACV? What’s my Deductible? What’s the Difference between RCV & ACV? NOTE: In 2022, we have seen an unprecedented labor shortage as a side effect of the COVID-19 pandemic. The demand for materials has skyrocketed. As a result, materials prices have been changing almost monthly (about 5-7% increases). Below we will use a Real-life Example of an Insurance Claims Report from State Farm from April 2021. We have made sure to blur out all personal information.  We are not by any means Insurance professionals just a Roofing Company that has seen/written many Xactimate estimates and want to share our knowledge & poi...
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What is usually included in a roof replacement?

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In this blog we are going to go over the materials that are usually included in a roof replaced. When you are in need of a roof replacement it is more than just the shingles. It is a combination of different roofing materials and components that create your roof system. Each roof component has a job to protecting your home from nature’s elements. Essentially, when you get a roof replacement all roofing accessories re replaaced. 1. Roof Decking Decking is the wooden boards that the roof system will be nailed on so it is important that they are in good condition. When you have a roof that has been leaking for awhile it can eventually damage your plywood. If you are getting a roof replacement, you might have to replaced some of your roof’s decking. On average, we usually only use 1 sheet per roof replacement.  Your roofing contractor won’t know exactly how many sheets will need to be replaced until they tear off all your roofing materials. This is why a roofing company will include in...
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