Insurance guide · Hidalgo County
Understanding your roof insurance payout
A large share of Valley homeowners are quoted a replacement their insurance will only partly cover. Here's why — and what a third option looks like.
01 · Two kinds of payout
ACV and RCV, in plain language
Replacement Cost Value (RCV) pays what it costs to put a new roof on today, minus your deductible. It's what most people assume they have.
Actual Cash Value (ACV) pays what your old roof was worth on the day of the loss — replacement cost minus depreciation for age and wear. Then your deductible comes off that smaller number.
Many policies switch to ACV for roofs past a certain age, or apply a separate roof payment schedule. On a Valley roof cooked by twelve months of heat a year, the depreciation can be steep.
Example · 14-year-old roof, ACV payout
- Replacement quote$14,000
- Roof age14 years
- Carrier depreciation (60–70%)– $9,500
- Actual Cash Value$4,500
- Your deductible– $2,000
- Check you receive$2,500
Out-of-pocket gap to replace
$11,500
Illustrative example. Your policy terms, depreciation schedule and deductible determine your actual payout.
02 · The third option
When the roof qualifies, rejuvenation bridges the gap
Option A · Pay the gap
Replace the roof and cover the $8,000–$12,000 difference yourself. Sometimes the right answer — if the roof has truly failed.
Option B · Repair + wait
Fix the specific damage and keep the roof going. Works when damage is localised.
Option C · Repair + rejuvenate
Fix the damage, then treat the rest of a qualifying roof with ShingleLock. Years of added life for a fraction of the gap, with a 6-year transferable warranty.
The roof has to qualify: sound decking, granules still present, no widespread curling. If it doesn't, we'll tell you replacement is the honest answer.
03 · Texas rules
What a reputable roofer will — and won't — do
- Inspect, photograph and document the roof
- Give you a written estimate for every qualifying option
- Explain your choices in plain language
We do not adjust or negotiate insurance claims. We never waive, pay, rebate or absorb a deductible — Texas Insurance Code § 707.002 prohibits it, and anyone offering it is putting you at risk. Contact the Texas Department of Insurance with questions about your rights.
04 · Insurance FAQ
Questions about your payout
Got a depreciated payout? Let us look first.
A 30-minute assessment tells you whether your roof qualifies for a third option — before you write an $11,000 check.