Book Your Complimentary Roof Inspection — Wichita, KS & Tyler, TX
Hail or wind in Kansas or East Texas? We’ll document your roof, gutters, siding, soft metals, windows, and property so you can decide with confidence. No pressure, no gimmicks, and never any deductible “rebates.”
PriceLock: You only pay your deductible on covered claims — insurer funds approved balance including eligible code upgrades. Serving Wichita, KS and Tyler, TX and surrounding areas.
Clear photos and notes you can keep or share.
We explain ACV vs RCV and help align scope to carrier approvals.
Code-compliant installs with insured crews in Kansas and East Texas.
Lifetime labor + 50-year manufacturer (transferable window applies).
How It Works (3 Steps)
1) Complimentary Inspection
We visually inspect exterior surfaces and document damage with photos and notes you can share with your insurer.
2) Scope That Protects You
We build a code-compliant scope (no shortcuts) so you compare apples to apples. Scope beats price.
3) PriceLock
On covered claims you only pay your deductible; the carrier funds the approved balance (including eligible code upgrades).
ACV vs. RCV — The Real Choice
Oh sure — the insurance company is going to be so generous and offer you what they call the ACV, or Actual Cash Value of your roof. Translation: “Here’s a few bucks for your 15-year-old shingles — good luck fixing it yourself.”
And of course, they’ll tell you to get multiple bids — not to help you, but to save themselves money. Meanwhile, you’re the one costing yourself a better roof by playing along.
Here’s the kicker — storm and hail damage are generally considered “Acts of God” under most homeowners policies. In Kansas and Texas, that means the damage usually isn’t considered your “fault,” and filing a claim for legitimate storm damage typically doesn’t raise your individual premiums. However, if a major storm hits your area, insurers may adjust rates for everyone in that region at renewal — it’s based on regional risk, not your single claim.
So why settle for a patch job when, for just your deductible, you could get a brand-new roof with upgrades and full replacement coverage (RCV) — and still stay in good standing with your insurer? Yeah… sounds like an easy choice, doesn’t it?
Coverage, approvals, and any premium impacts depend on your policy and carrier. We comply with Kansas law and do not rebate deductibles in any state.
Quick Definition
- ACV (Actual Cash Value): Depreciated value today. Insurer pays ACV; you cover deductible and any depreciation not recoverable.
- RCV (Replacement Cost Value): Cost to replace with like kind & quality. Insurer typically pays ACV first, then releases recoverable depreciation after completion and invoice. You still pay your deductible.
Coverage depends on your policy and carrier approval. We never waive or rebate deductibles and we follow applicable state laws.
Smart Money Move
| Scenario | Outcome |
|---|---|
| Pay out-of-pocket for an ACV repair/patch | May leave aged materials, limited warranty, possible code issues later. |
| RCV replacement (covered claim) | New roof to code and manufacturer spec; you pay deductible, insurer funds approved balance after completion. |
Always confirm policy details (e.g., Ordinance & Law coverage) and claim approvals before work begins.
10 Smart Money Questions (ACV vs RCV)
- Why pay for an ACV roof when you can pay your deductible and get a brand-new roof (RCV) for a fraction of the out-of-pocket cost?
- Why pay full price for an ACV patch when your deductible could get you a brand-new roof (RCV)?
- Stop funding repairs out of pocket—use your deductible and replace the roof (RCV).
- ACV = you pay more now for less roof. RCV = new roof for just your deductible.
- Don’t settle for a depreciated (ACV) repair. Pay the deductible, get a full RCV replacement.
- If storm damage is covered, why pay thousands out of pocket? Use your deductible for a full RCV roof.
- Pay the deductible—get a new roof. That’s RCV. Why spend more on ACV?
- Smart math: ACV = partial fix + big bill. RCV = full replacement for your deductible.
- Replace > Repair: turn your deductible into a brand-new roof (RCV), not an ACV patch.
- Why buy a “used” roof (ACV) with your own money when your deductible can buy new (RCV)?
Coverage depends on your policy, carrier approval, and claim scope. We comply with Kansas law and do not waive or rebate deductibles.
Scope vs. Price — Why the Lowest Bid Often Costs You More
What a Proper Scope Includes
- Tear-off to deck and deck repairs (rotted or delaminated sheathing).
- Underlayment system (synthetic + ice & water shield where required).
- Starter, field shingles/roofing, ridge/hip caps installed to spec.
- New flashing (step, counter, chimney, wall), pipe boots, drip edge.
- Ventilation plan (box vents/ridge vent) that meets code and shingle warranty.
- Fastener count/pattern per manufacturer and wind-zone.
- Accessory items: storm collars, sealants, painted accessories to match.
- Lifetime labor warranty & 50-year manufacturer shingle warranty (transferable in the first 15 years).
- Registered contractor, insured crews, site protection & cleanup.
What “Too-Cheap” Bids Often Omit
- No deck repairs / overlay over deteriorated sheathing
- Minimal underlayment; no ice & water in valleys or eaves
- Reuse old or damaged flashing/pipe boots
- Skip drip edge/starter; fewer nails than required
- Ignore ventilation → heat/moisture issues & shingle failure
- Unregistered/uninsured crews; no permit if required
- “We’ll eat your deductible” schemes → fraud risk & voided warranties
Checklist: Compare Apples to Apples
| Line Item | Included? | Notes |
|---|---|---|
| Tear-off & disposal | Yes / No | Dumpster/haul-off included? |
| Deck repairs (per sheet/lf) | Yes / No | Unit cost listed? |
| Underlayment (synthetic + I&W) | Yes / No | Where installed? |
| Starter/field/caps model | Yes / No | Brand & series listed? |
| Flashing (step/chimney/wall) | Yes / No | Replace vs reuse? |
| Drip edge & gutters interface | Yes / No | Color & gauge listed? |
| Ventilation (ridge/box) | Yes / No | Meets code/warranty? |
| Permit/registration/insurance | Yes / No | Proof attached? |
| Warranties (mfr/workmanship) | Yes / No | Length & coverage? |
Kansas Law on Deductibles (Plain English)
For Kansas projects: It’s illegal in Kansas for a residential roofing contractor to advertise or promise to pay or rebate any part of your insurance deductible on a claim-paid roof. If a contractor does this, your insurer isn’t obligated to consider that contractor’s estimate, and you (or your insurer) can take action for any damages caused by the violation.
Source: Kansas Residential Roofing Act (2011), Sec. 3 — deductible “rebating” prohibition and remedies. See the statute for exact wording.
Also: Kansas requires roofing contractors to be registered to provide roofing services in Kansas.
For Texas and other service areas: We follow all applicable state laws and never advertise, promise, or agree to pay or rebate your deductible.
PriceLock Guarantee
PriceLock: You only pay your deductible — allow your insurance to pay for approved work including eligible code-required upgrades. No deductible rebates or waivers. Ever.
Coverage and upgrades depend on your policy (e.g., Ordinance & Law), carrier approval, and claim scope (ACV vs. RCV). We comply with applicable state laws.
Warranties & Quality Standards
Lifetime labor warranty on our workmanship and a 50-year manufacturer shingle warranty, transferable in the first 15 years.
We do not take shortcuts. We adhere to all manufacturer requirements and local codes on every install.
Why this matters in Wichita & Tyler: Both markets see severe storms. If a discount roofer cuts corners or fails to follow manufacturer specifications, any later storm damage can lead to manufacturer warranty denials for repairs or replacement.
Warranty terms require proper product selection and registration per manufacturer program; ask us for full written details.
FAQ
Q: Does filing a storm claim raise my rates?
A: Legitimate storm claims typically don’t raise your individual premium. After a major event, carriers may adjust rates regionally at renewal based on area-wide risk.
Q: Can a roofer “cover” my deductible?
A: No. Kansas prohibits deductible rebates/waivers, and we do not rebate deductibles in Texas or any other state either.
Q: Why do some bids seem so low?
A: They often cut scope (fewer materials/steps) to hit a price. Always compare line items, not just totals.
Q: My carrier paid ACV only—now what?
A: After completion and invoice, carriers commonly release recoverable depreciation on RCV policies. Your deductible still applies.
Contact
Prefer email? Use the form to send your details — we’ll reply with scheduling options for Wichita, KS or Tyler, TX.
Insurance Claim Help (ACV vs RCV)
- We provide photos, notes, and a scope you can share with your carrier.
- Understand ACV first payment and how recoverable depreciation is released.
- PriceLock: you only pay your deductible—no rebates, no waivers.
Policy coverage varies. Always review your policy and carrier approvals before work begins.
Emergency Roof Tarping
- Rapid deployment to mitigate active leaks and interior damage.
- Documented photos for your insurer and next steps plan.
- Follow-up repair or replacement to manufacturer specs.
Call now for urgent help in Wichita or Tyler: (726) 336-0333.
Request Your Complimentary Inspection
Free exterior visual inspection in Wichita, KS and Tyler, TX metro areas. We’ll call/text to schedule.
What’s Included
- Full exterior visual inspection (roof, soft metals, gutters/downspouts, siding/trim, windows, AC fins, fences).
- Photos & notes you can share with your insurer or keep for records.
- Clear next steps: repair, replacement, or “you’re good.”
- No gimmicks. No “we’ll cover your deductible.” We do not do that in Kansas or Texas.
Need us fast in Wichita or Tyler? Tap to call (726) 336-0333.