Gutters

There are two main deductions from an adjuster’s estimate of what your roof will cost. The first is your deductible. The second is for “Betterment or Depreciation.”

RCV stands for Replacement Cost Value. RCV is the current retail cost to replace your damaged items. ACV is the Actual Cost Value. For example, assume a roof in year 10 of an expected 20-year life is totaled by hail. The cost to replace the roof is $10,000 Then RCV would be 10,000 and the ACV would be $5,000 (10/20th of $10,000). The difference between the two, $5,000, is the depreciation which is additional funds you will receive. Generally, depreciation is paid after you submit a final invoice.

Yes! Our experienced, licensed roofers will inspect your roof up close to assess the scope of any obvious damage and also map out the probable unseen damage just below the surface. With that knowledge at hand, we will let you know if roof repair is the most affordable option or if you’re better off with a full roof replacement.

No. There are many human factors in this process. It is common that your contractor and adjuster will need to reconcile a few items. You should never be concerned that your estimate from Ninja Roofs is different than your adjuster’s. The main cost factor in a shingle is asphalt which is petroleum. With the price of oil going crazy, shingle prices have changed almost monthly this year.

Damaged roofs cause roof leaks, which creates a dangerous water and moisture problem in the house below. Whether the roof damage was caused by hail or fallen trees to simply granule loss due to aging roof shingles, prompt attention and repair will avoid further, more costly damage down the road.

It is always your deductible plus upgrades if any.

No. Your deductible always comes first. You only save your insurance company money by choosing a cheap contractor. When you submit an invoice that is lower than what the adjuster calculated, this will lower the amount of depreciation you will later be paid.

It is very improper to cover a deductible. A reputable contractor will not do this.

It can be, but generally, it is just a disguise for “covering a deductible.” To be legitimate, this fee must be the same if you buy a roof or not. It also would need to be reported as taxable income.

Not long. By law, they must release these funds in a few days.