ACV vs RCV Roofing in DFW What Homeowners Are Actually Paid If your insurance check won’t cover a new roof, depreciation is the reason. ACV versus RCV is where most DFW homeowners and property managers lose money. For help recovering withheld insurance funds, call Roofing Professionals of Texas at 469-906-2600 or visit roofingprotx.com . What ACV Means Actual Cash Value reflects depreciation based on age and condition. In North Texas, older roofs are often heavily depreciated even after legitimate storm damage. What RCV Means Replacement Cost Value is the full cost to replace the roof. RCV is released only after repairs are completed and invoiced. DFW Example A Plano homeowner receives $14,000 ACV on a $22,000 roof. The $8,000 difference is depreciation released after completion. Carrier Behavior Patterns Uniform depreciation across all items. Improper depreciation of soft metals. Fence sections depreciated beyond reasonable lifespan. Need help with roof or f...
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How Insurance Roof Claims Work in DFW Texas | Roofing Professionals of Texas How Insurance Roof Claims Work in DFW Texas From Storm Damage to Final Payment If your insurance estimate feels low, that’s not an accident. After hail or windstorms in Dallas–Fort Worth, most roof claims follow a predictable pattern that leaves homeowners and property managers underpaid unless the process is handled correctly. This guide explains how roof insurance claims actually work in North Texas and where carriers commonly reduce scope or payment. What Starts a Roof Claim in DFW Most roof claims across Dallas, Plano, Frisco, McKinney, Denton, and surrounding cities are caused by hail and straight-line wind. Major events like the March 2023 hailstorms and May 2024 wind events generated thousands of claims across Collin, Denton, Dallas, and Tarrant counties. Pre-Claim Inspection and Documentation Before filing a claim, the roof should be professionally inspected and documented. After...
Your Premiums Paid. Your Claim Denied. --- The Business Model Behind Insurance Refusals
Some insurance companies figured out they can increase profits simply by paying out less. It’s not complicated. When claims don’t get paid, margins go up. Insurance carriers don’t make money by writing checks. They make money by limiting them. Take E. Adams, a 60 year old woman left in a coma after a multi vehicle crash in Washington State. Her carrier, Farmers, denied the claim by arguing the other driver acted intentionally, and therefore the crash was not an accident. No coverage. Or D. Potter. She spent years selling disability policies for Unum. When multiple sclerosis forced her to stop working, Unum denied her claim, calling the condition “self reported.” The same policies she sold to protect others didn’t protect her. These aren’t rare outliers. They’re examples of a system built around deny, delay, defend. Do whatever it takes to avoid paying valid claims. At companies like Allstate, internal training materials have focused on minimizing payouts. Adjusters have been rewarded f...
What You Should Demand From Your Next Homeowners Insurance Policy in Texas
By Freddie Reinwald , Roofing Professionals of Texas If you’re shopping for a new homeowners insurance policy in North Texas and you’re tired of getting blindsided by exclusions buried in the fine print, you’re not alone. Prosper sits in the heart of the DFW hail belt , where straight-line winds, tornadic activity, and clay-soil foundation movement make weak policies a financial liability. Homeowners call us every week after their carrier denies a hail claim or cuts coverage using loopholes they never knew existed. For homeowners trying to avoid underwritten traps, here’s the truth: Not all insurance carriers offer the protections your home actually needs. Many policies exclude cosmetic hail damage, foundation movement, ordinance upgrades, or full replacement cost on older roofs. In Prosper, those gaps cost homeowners thousands. Below is the exact coverage checklist you should demand before you renew or switch carriers. I use this same framework when educating homeowners throu...