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hey everyone Brandon here hoping to give you an understanding on how to read your insurance adjuster settlement also going to shed a light on how other roofers are committing fraud by covering deductibles which has been illegal for well over a decade copy that law is in our sales folder so be sure to check that out let's hop right in this is what a majority of insurance summaries look like the program is called Xactimate their programs other carriers are going to use but they're pretty close to this format they take a satellite measurement report of your house they run the square footage and all the components through the system and it spits out fair market value prices some roofers are going to want to charge higher and some roofers are going to want to charge lower than them so it's a nice medium price a lot of people are willing to work from quick interjection about pricing if you ask roofers for a quote and you come to find that your insurance settlement is less than the quotes and you're getting a good reason for that could be that the adjuster just left lineups off of it they could be missing stuff as far as code flashing could even have the wrong price list on there that's why it's a good idea to show this settlement to your contractor if you look on certain pages of your settlement it may actually advise you to do so and while some roofing companies may want to tell you insurance is just trying to save a dollar to which may be true for some carriers but really sometimes it's just an error you know there's a lot of times adjusters are writing these things that they possibly haven't written a lot of roof estimates they leave these line items off you know by accident it's not on purpose but if we're working off your adjuster estimate and we discovered that those line items are missing then we can file what's called a supplement if the carrier approves the supplement but doesn't pay the amount that we're asking for then the difference of the two disappears for example if we ask for 463 dollars and 18 cents worth of chimney flashing and they only agree to pay say 300 that 163 dollar Gap goes away we would never ask you to pay for that difference just because they didn't pay for it correctly but we're still gonna properly flash that chimney so back to it you can see that they take the square footage and the unit prices has the taxes included and everything you get to the column that says RCV what that stands for is replacement cost value if you move a little bit to the right you'll get to the column that says depreciation that's based on the age of your roof once they subtract that you get to the far right column which is ACV that's actual cash value now as you can see in this example everything magically added up to a ten thousand dollar RCV which took me a very long time to figure out there's four thousand dollars worth of depreciation which leaves you six thousand dollars worth of ACV from there let's hop over to your summary page if you take a look at this from the top down you'll notice the same numbers you've got the ten thousand dollar replacement cost value four thousand dollar depreciation six thousand dollar actual cash value and that's before your deductible is considered so the net claim line five thousand dollars in this example would be your first check that they would release now once the work is done a majority of you are going to have a replacement cost value policy which means that you get that depreciation money back that'll leave you with 9 000 working dollars from your insurance company now one of the biggest misperceptions here is that if you get a contractor to do the roof for less than their estimated value the RCV then you're saving money on your deductible now let's look at this in Reverse hopefully this will help if the the previous didn't make any sense and this is how your insurance company is going to see it on their end they gave you a check for five thousand dollars on your first payment they expect you to pay your one thousand dollar deductible which totals six thousand dollars so far if you have a quote from a roofer for nine thousand five hundred dollars they no longer need to give you four thousand dollars because you don't have a ten thousand dollar contract you only have a nine thousand five hundred dollar contract meaning that they only owe you three thousand five hundred in essence they only pay for what you spend so if you get a bunch of quotes together and one of them is less you are not saving money on your deductible you're actually just saving your insurance company money because they're going to withhold it from the amount of depreciation now I want to take that a step further and explain what some roofing contractors are still doing to this day even though it's been illegal for a long time they will knock on your door tell you that they'll cover your deductible if you work with them and the way that they're doing it's simple they are going to have to sign a deal with you for nine thousand dollars but in order to get the full amount of depreciation released from your insurance company they are going to have to document that you signed a contract for the ten thousand dollar replacement cost value simply put some roofers are creating false documentation to cover your deductibles in hopes of winning your job and ask yourself this if they're willing to lie to your insurance company what's stopping them from lying to you are they going to put the best roof on probably not chances are if they have to cover a thousand dollar deductible they're going to make it up somewhere which would be ordering subpar materials and not registering proper warranties I've actually witnessed this with my own eyes if you take a look at this picture what you'll notice are three pallets and all the one smart duration are the architectural shingles the green bundles that are sitting on top are a three tab shingle which is the AR Supreme so what's going on here is the roofer is going to an architectural field shingle but at the Peaks they're going to be putting a three-tab shingle which is not the way that it's done if you watch the re-roof process video this is one of the ways that I saw a roofer in Woodstock making up that thousand dollar deductible that they promised the homeowner so now for the good news here's how you can legally cover some of your deductible in this example you'll see that you have 133.60 worth of RCV for the gutters and downspouts they only depreciated fifty dollars which leaves you with eighty three dollars and sixty cents worth of actual cash value so if you don't have the gutter replaced you're essentially letting your insurance company keep the fifty dollars but that lets you use the 83 dollars and sixty cents towards your deductible so when we scroll down a little you'll see some interior paint they got paid for on this claim there's 629.15 worth of actual cash value so essentially on this you'll be letting them keep 281.23 but hey you can go buy a can of paint and do it yourself and pocket the 629.15 this is a prime example of how some homeowners forego work to cover some of their deductible that's the only legal way to do that all that being said the best thing you can do is try to find a contractor that's willing to work off your insurance estimate to give you the best roof possible the best materials the best warranty don't just shop for the lowest price that's when you end up with the bad materials and no warranty so in summary we are not out to gouge your insurance company we are only going to Bill them for the work that we are performing we're not going to put a bunch of ridiculous stuff on there like a porta potty I've seen for example um and we're also not going to commit fraud we'll work with them to come up with a fair market value on your roof and for that amount we'll the GAF Golden Pledge warranty per the re-roof process video that you've hopefully seen if you have any additional questions about this feel free to reach out when happy to help [Music] foreign