Frisco, Texas · documented appraisal case study
A wind-and-hail project where the starting carrier estimate totaled $5,855.08 RCV and a signed appraisal award later established $21,308.31 RCV.
View the original itemized reports — before and after
Starting estimate → documented outcome
$15,453.23 higher · +263.9%
| Scope | Starting | Later record |
|---|---|---|
| Dwelling | $3,487.74 | $18,830.07 |
| Other structures | $2,367.34 | $2,478.24 |
| Combined RCV | $5,855.08 | $21,308.31 |
Dwelling plus other structures for the same loss. Not a roof-only total.
RCV means replacement cost value. These amounts are not the homeowner’s net insurance payment and do not promise a similar result on another claim.
From the signed award
No matching photographs were found in the two linked CRM job records for this property. This page uses the actual award table rather than images from a different job. The table addresses valuation, not a coverage decision.
The starting documented amount
The starting carrier estimate reflected $3,487.74 RCV for the dwelling and $2,367.34 RCV for other structures, for a combined documented RCV of $5,855.08.
The appraisal process
A dispute remained over the amount of loss. The file contains a signed award and carrier settlement letter documenting the appraisal outcome. The appraisal participants determined valuation; the insurer applied coverage and policy terms.
The signed award
The signed appraisal award established $18,830.07 RCV for the dwelling and $2,478.24 RCV for other structures, for a total of $21,308.31.
Compared with the starting $5,855.08 RCV, the signed award was $15,453.23 higher — approximately a 263.9% increase, or 3.64 times the starting amount.
Settlement documentation
The carrier’s appraisal settlement letter reflected a $10,155.14 net ACV payment at that stage and stated that $6,030.03 in recoverable depreciation was available after completion, subject to applicable policy provisions. Those payment figures should not be confused with the RCV comparison used in this case study.
What this project demonstrates
The largest change was in the dwelling scope. A construction estimate that appears small at the beginning of a claim may not reflect every documented repair component ultimately included in an appraisal determination.
Roofing Giant’s role
Roofing Giant is a roofing contractor. We document construction scope, measurements, repair requirements, pricing, and completed work. We do not act as a public adjuster and do not determine coverage or settlement amounts.
Source note: Figures are drawn from the starting carrier estimate, the signed appraisal award, the award estimate, and the carrier’s appraisal settlement letter in Roofing Giant’s historical project records.
Original itemized reports
Original source documents — redacted for privacy. Estimate line items and amounts unchanged. All pages available in the retained files are included. Carrier names and branding, item descriptions, quantities, unit prices, taxes, depreciation, overhead/profit and totals have been preserved. Homeowner identifiers, policy/claim numbers and signatures have been removed from the public copies. Unredacted originals remain in Roofing Giant’s private project records.
Frisco — Allstate
Starting Allstate estimate
Open PDF · 9 pagesAppraisal Addendum A — itemized estimate
Open PDF · 7 pagesAppraisal award — redacted copy
Open PDF · 1 pageThe itemized Addendum A and the signed award record the same combined RCV: $21,308.31. The award copy has signatures removed for public release. Appraisal determines the documented valuation; these PDFs are not represented as a coverage decision.
The PDFs open in a new tab. Replacement cost value (RCV) is not the homeowner’s net payment. Appraisal outcomes and carrier-approved supplements are identified separately.
Source records and calculation
- Starting Allstate estimate on file, dated 2 August 2022: dwelling summary, page 6; other-structure summary, page 7.
- Signed appraisal award, July 2023: replacement-cost and actual-cash-value table, page 1.
- Carrier appraisal settlement letter dated 26 July 2023, page 1: payment and depreciation breakdown.
Increase = ($21,308.31 − $5,855.08) ÷ $5,855.08 × 100. Both totals combine dwelling and other structures for the same claim. The starting amount is the verified carrier estimate available in the project file, not necessarily the first version the insurer ever created.
Unredacted originals remain in private project records; privacy-redacted source PDFs are linked above. The public award illustration is a cropped excerpt, not the full signed document. It does not establish insurance coverage or the homeowner’s net payment.
Make sure the repair scope matches the roof.
Request an inspection and a documented construction-scope review.
Schedule a Free Roof InspectionImportant: These are selected historical outcomes, not a typical-results claim or a guarantee of approval, payment or percentage increase. RCV is not net payment; deductibles, depreciation, prior payments, coverage and policy terms affect what is payable. Roofing Giant is a roofing contractor that manages qualified roofing crews/subcontractors to Roofing Giant standards. Roofing Giant is not a public adjuster and does not determine policy coverage or claim settlement. Appraisal participants determine the amount of loss within the appraisal process; the insurer applies coverage and policy terms. Information only; not insurance, public-adjusting, financial or legal advice.