Insurance Claims
From Your San Marcos & New Braunfels Roofing Company

    Get a Free Estimate

    Enter your information below, and we'll follow up to discuss your needs and goals so we can get you a no-hassle estimate!

    icon of a sun with a check mark100% Secure — We will never spam you or sell your information.

    person filing an insurance claim

    Should You file a Claim?

    Divided Sky roofing contractors in San Marcos TX has experience working with many insurance companies to put better roofs on our customers’ homes. Our staff includes previous insurance adjusters who can help you determine if you need to file a claim for your roof repair or replacement.

    How a Claim is Filed

    How is a Claim Filed?

    There are various factors that go into an insurance claim. These include Replacement Cost Value (RCV), Deprecation, and Actual Cash Value (ACV). Deprecation is subtracted from RCV to get your total ACV.

    For Example: 

    RCV – Deprecation = ACV

    How is a Claim Filed?

    There are various factors that go into an insurance claim. These include Replacement Cost Value (RCV), Deprecation, and Actual Cash Value (ACV). Deprecation is subtracted from RCV to get your total ACV.

    For Example: 

    RCV – Deprecation = ACV

    Replacement Cost

    Roofer installing shingles on top of roof underlayment
    Replacement Cost (RCV)

    Replacement cost (RCV) amount is cost to replace the damaged materials. A good way to look at this cost it like the “new” price.

    Deprecation

    insurance agent getting a client to sign a document
    Deprecation

    Deprecation is the amount deducted from the RCV amount that represents how much of the materials are used up at based on age and use.

    Actual Cash Value

    beautiful roofing job
    Actual Cash Value (ACV)

    Actual cash value (ACV) amount is the deprecated cost of the materials. A good way to look at this is to look at it as the “used” price. This is the RCV amount minus the Deprecation.

    Overview of How Insurance Pays Out for a Claim

    How Does Insurance Pay Out?

    They will come up with the RCV amount using a 3rd party software called Xactimate. We use the same software to ensure we are all on the same page and to avoid any discrepancy in pricing with insurance companies. They update their prices monthly for each zip code to reflect market conditions. They will then deprecate the materials accordingly and send you a check for the ACV amount less your deductible. Once the work is completed and we file all of the paperwork and show that the work has been completed they will then send you an additional check for the deprecation.

    RCV   $10,000
    Deprecation $4,000
    ACV = $6,000
    Deductible $1,000
    First Check = $5,000
    Second Check = $4,000
    Total Insurance Pays = $9,000
    Total Homeowner Pays = $1,000
    figurines on top of coins

    What is the Final Cost?

    We complete all the work insurance has allowed for on their estimate for the RCV amount and collect the deductible amount from you. Once the work is complete, we submit the invoice to you and the insurance showing that all work is completed. They will then release the deprecation. Unless you decide to upgrade out of pocket, the cost is limited to your deductible. Due to insurance laws, we are required to show proof we collected the deductible amount when we submit the request for deprecation.

    “Waiving Deductibles”, “Discounting Deductibles”, “Sign Allowances” – it is ILLEGAL in the State of Texas for a roofing company to pay your deductible, even just partially.

    Learn more: https://freeroofscam.wordpress.com/about/

    Technician installing solar panels on a home's roof

    About Us

    Divided Sky Roofing & Solar is a local San Marcos roofing company serving all of Central Texas. Founded by John and Allison Hardy with the goal of bringing extraordinary services to the roofing industry.

    Let’s Get Started on Your Next Roofing Project