What is Depreciation?
What is Depreciation? There are two important terms involved in depreciation. ACV = Actual Cash Value, & RCV = Replacement Cost Value Depreciation is the difference between the RCV and the ACV. Depending on your specific insurance policy, the depreciation is...
Wind Damage
Wind Damage Wind Damage Wind damage – who to call? The insurance carrier, your agent, a roofer, a tree-removal company . . . Unquestionably, we suggest you call a contractor first and here is why . . . 1) Most wind claims are below the deductible, because the...
Did Your Adjuster Use A Drone
Did Your Adjuster Use a Drone? EVERY SINGLE ROOF . . . Every single roof that we’ve been asked to look at where a drone said there was no damage ended up being totaled and completely replaced by insurance. You turned in a claim. An adjuster came. But, instead...
Hail Claim Deadline Explained
Hail Claim Deadline Explained After a hail storm, almost every insurance carrier will require you to have a contractor inspect your roof for hail. Timely Reporting is a duty you owe the insurance company as a policyholder under your ‘Rights and...
Insurance Claims
Insurance Claims Insurance Claims If you have never had an insurance claim before, it can be confusing. Generally, you call your agent and they might say to get an estimate. Or, you might report a claim directly and they assign you an adjuster. Sometimes they send...- Pick a Local Roofer
Pick whom you like, but pick local. No Omaha or Lincoln roofer is coming back under warranty for a leak. No, your roofer doesn't need to meet the adjuster. - Class 3 Shingles are Impact ResistantClass 3 shingles are Impact Resistant and are eligible for an insurance discount with most companies. They are less expensive than Class 4, but provide superior hail protection than typical shingles.
- What are Impact Resistant Class 4 Shingles
Class 4 impact resistant shingles provide homeowners who with maximum protection from Midwestern hail and wind storms and they receive an insurance discount. - Is your roof 10 years old?
If your roof is 10 year old, or older then you probably have ACV coverage on your roof. In 2025 most insurance companies changed their policies regarding roofs. - What Is HAAG
In the roofing and insurance industries, the phrase "HAAG Certified" carries a lot of weight. HAAG Certification is one of the most distinguished. Insurance companies all over recognize the HAAG Certification, and they value this to represent that a true roofing expert completed the inspection on your roof.