Actual Cash Value vs. Depreciated Value

Why your insurance check is only 1/2 of what you should be paid.

  • What is ACV?
  • How is ACV calculated?
  • ACV and depreciation?


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What We Found After The Damage

We are seeing customers rushing to accept whatever the insurance companies are telling them about their roof’s storm damage, which is wrong, in most cases. Here are the facts:

  • Damage Can Be Hidden:
    Winds have severely damaged roofs in ways not viewable from the ground, which is how almost all inspections are performed, leaving roof owners with a damaged roof to deal with out-of-pocket.
  • Knowledgeable Adjusters Are Hard to Find: Inexperienced insurance adjusters are being brought in from the auto industry to look at homes because of the shortage caused from Hurricanes Irma, Harvey, and Maria
  • It’s Not Up to Code: Adjusters do not know about Florida’s codes and are asking out of town roofers to install roofs not up to code.
  • The Window for Claims is Smaller: The statute of limitations to file an insurance claim has been reduced from 5 years to 3.

How We Ensure Your Insurance Adjustment is Correct

As one of the oldest roofers in Southwest Florida, we care about our community. It concerns us that 92% of homeowners accept the first offer their insurance carrier gives them. We work to ensure you receive the full amount your roof deserves.

We use exact same software the Florida mandated insurance adjusters use to create your estimate. We submit all the estimate information to your insurance provider and save you time. If you receive an offer less than what is required to meet Florida codes, we go to bat with your insurance on your behalf.


Request an Estimate Today