You might be wondering about depreciation. Depreciation is the amount of your settlement that is not released until after you need it to pay off the repairs to your house if you have a RCV insurance policy.

As a dallas roofing company, we usually see Replacement Cost Value policies.

In a few areas of the country, Actual Cash Value policies are more readily found. ACV means you don’t have any money coming after the first check.

Many insurance policies cover full replacement cost. If you are unsure, ask your roofing company or insurance agent. The depreciation is usually cut as a follow-up check after you or your roofer turn in a signed roof estimate or a final roofing invoice.

If you aren’t going to spend all of your available depreciation money to get your house fully repaired, your insurance policy requires your insurance company will will subtract your deductible from the final lowest invoice rather than the original amount originally allowed.

Another way to say that is, your insurance company is required to retain any depreciation not spent on a full restoration.

After the last bill is submitted, your insurance company, and sometimes your mortgage company, may require a final look at your repairs just to ensure that you’ve spent your money making the proper repairs before sending the second depreciation check.

Depreciation is the amount of money held back from you until the work is completed. By withholding depreciation money, your insurance adjuster makes sure that they only pay the balance after you pay your deductible.

Your insurance adjuster will meet, but not exceed, your roofing contractor’s “fair market value” invoice, less your deductible. If the money isn’t spent in full, your insurance company will keep the difference and pays the balance.

Getting your insurance depreciation takes some of time. You could have to be patient.

In the event you might have more questions concerning your depreciation check, visit the Dallas Fireman Roofing site and use the contact us form to get more answers.

Of the number of choices for roofing your beautiful home, you could never do better than an aluminum roofing system.  Alcoa is world-renowned for producing numerous varieties of aluminum for roofs, be it primary aluminum, fabricated aluminum or alumina alloy.  An aluminum roof from Alcoa would be an impressive addition to your residence.

We’re an aluminum roofing Dallas contractor. The Alcoa aluminum roofing system is environmentally-friendly and 100% recyclable.  As Dave Schlendorf, the President of Alcoa, said, “Green buildings start with Alcoa aluminum.”  Because of its resilience you can anticipate it to outlast other types of roofs.  These quailities make it ideal for homes in any area of the United States.  Moreover, since it is also lightweight, it makes an exceptional alternative for homes in earthquake-prone regions.

An Alcoa aluminum roof carries a lifetime warranty.  It is guaranteed to last for the life of your home.  However, if it is not installed properly, the life of the aluminum roof could be lowered by 15 years.  It would be wise to consider hiring a professional contractor to install it if you are not certain you can install it correctly.

By adding an Alcoa aluminum roof you actually enhance your home’s worth due to its attractive look and superior functionality.  It adds a foam backing on the attic to shield and work as a sound barrier.  Because it is energy-efficient, you could save up to 30% on your electric bill.  Also, an Alcoa aluminum roof can grant insurance premium discounts as much as 35%.

Naturally, one of the most important considerations a customer has when selecting roofing options is the effects of climate and weather.  An Alcoa aluminum roof is unsurpassed in this aspect.  It can be installed to withstand wind at up to 120 mph.  The Alcoa aluminum roofing system is resistant to wind, hail, rain and snow.

So, as you weigh the choices before you for re-roofing your home, it is clear that the Alcoa aluminum roofing system is the superior selection. Visit Fireman Roofing and find out more now.

Decra roof systems have been continually increasing in popularity. Covered with stone, they have the strength of steel and the elegance and charm of an of an old world Italian Villa tile. The days of chipped tiles, pealing paint and leaking roofs are over.

Currently, Decra Villa Tiles give you an entire roofing solution for your home that is an ideal blend of superior functionality, strength, durability and aesthetics.

Decra Villa Tiles are constructed from steel alloy and covered with a stone finish which reduces heat from the sun.  Tiles that have fiberglass or asphalt as a base slowly blister or curl and develop cracks, unlike Decra Villa Tiles.  They are energy-efficient with low thermal mass.  After a blistering day, the metal can dissipate heat faster.  On the other hand, asphalt has high thermal mass and, hence, takes longer to cool down.  In addition, because Decra Villa Tiles are non-combustible and have a high wind rating, they can guard you from the harshest weather conditions.

Decra Villa Tiles are the ideal roofing solution for earthquake-prone areas.  Clay tiles that can weigh approximately about 800 lbs cannot bear seismic pressure.  Chances are higher for a roof constructed from heavy clay tiles to collapse during an earthquake.  Decra Villa Tiles are approximately 120-150 lbs, so they do not place much pressure on walls and have a better chance of surviving an seismic event. The possibility of a collapsing roof with Decra Villa Tiles is also lowered noticeably~reduced considerably} because they have interlocking panels that strengthen the roof.

Decra Villa Tiles are easily installed and can be mounted to existing shingle roofs. They are strong and can handle foot traffic without the risk of denting. Decra Villa Tiles have a proven 50 year life expectancy and are 100% recyclable; while, asphalt shingles have a life expectancy of only 18 years.

Available in different shades at reasonable prices, Decra Villa Tiles are unaffected by natural weathering and guards against fading.  Also, according to roofing experts, Decra Villa Tiles are the preferred roofing solution for sloped roofs. They certainly augment the overall look of and add sophistication to your home.

By purchasing Decra Villa Tiles, you will enjoy a beautiful roof for decades to come. Come to your Local Dallas Fireman Roofing and learn more about Decra right away.

A class 4 metal roof is quickly developing into the preferred choice of roofers, customer builders and remodelers.  No matter what kind of home you have the list of class 4 metal roofing systems will not let you down.

A metal roof qualifies as class IV by first passing the UL 2218 impact resistance test at its most rigorous level.  At this stage a class IV metal roof will certainly guard your home from falling tree branches and destructive hail.  Also, a metal roof must be able to withstand high winds of 120 mph to be granted the class IV distinction.  In fact, no matter the severe conditions, a class IV metal roof can endure it.  Also, because a class IV metal roof is lightweight, it’s perfect for homes built in seismic zones.

Class IV metal roofs come with a 50 year warranty due to its enduring qualities.  A class IV metal roof is no less than two to three times sturdier than an asphalt roof.  It does not get stained due to mildew like an asphalt roof.  Moreover, a class IV metal roof is secure against insects or molds.  It is guaranteed not to crack, curl, peel or fade.  To capitalize on these advantages, it is advisable to hire a professional contract to install your class IV metal roof.

Class IV metal roofs are most commonly constructed from treated copper, aluminum or steel and can be tailored to both aesthetic and practical requirements.  They can be painted in any color, such as an pleasing earth tone, and have the attractive appearance of cement tiles, asphalt shingles or wood shake.  Extra options are also available for class IV metal roofs, such as solar shields, which lower the high temperatures from the sun and save on air conditioning, stone coated curved tiles, which protect against UV rays, and steal shingles.

If you decide on a class IV metal roofing system, you will garner several financial benefits.  For one, a class IV metal roof will decrease your insurance premiums by getting windstorm discounts and raise the value of your home.  In addition, by choosing to build the energy-efficient class IV metal roof, you can gain energy-saving tax credits.

So, as you think about the numerous possibilities for roofing your home, choosing a class 4 metal roof means you’re investing in peace of mind. Go to Fireman Roofing Dallas for more information now.