Roofing Giant · documented DFW project evidence
Six Roofing Giant projects where the final documented replacement-cost scope was more than 50% above the starting carrier estimate. Each case is based on historical project records rather than a modeled or hypothetical result.
View the original itemized reports — before and after
Documented 50%+ scope changes
North Richland Hills
Starting estimate → documented outcome
$17,706.89 higher · +1,138.2%
| Scope | Starting | Later record |
|---|---|---|
| Dwelling | $1,555.69 | $19,262.58 |
Dwelling estimate, including roofing and interior work. 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.
Frisco
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.
Little Elm
Starting estimate → documented outcome
$12,347.86 higher · +58.2%
| Scope | Starting | Later record |
|---|---|---|
| Building | $20,021.88 | $22,425.67 |
| Other structures | $1,179.63 | $11,123.70 |
| Combined RCV | $21,201.51 | $33,549.37 |
Building plus appurtenant / other structures. Most of this increase is in the other-structure scope, not the roof alone.
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.
McKinney — Allstate
Starting estimate → documented outcome
$18,550.01 higher · +270.6%
| Component | Starting | Later report |
|---|---|---|
| Line-item subtotal | $6,704.53 | $20,653.13 |
| Material sales tax | $151.41 | $518.44 |
| Separately listed contractor overhead | — | $2,117.19 |
| Separately listed contractor profit | — | $2,117.19 |
| Total RCV | $6,855.94 | $25,405.95 |
An em dash means the component was not separately listed in that source summary.
Same-claim AA-Dwelling estimate, including roofing, exterior, fence and interior work. Not a roof-only total.
RCV means replacement cost value, not net insurance payment. This selected historical outcome does not predict another claim’s result.
Frisco — Kemper / Brush Country Claims
Starting estimate → documented outcome
$13,213.12 higher · +86.5%
| Component | Starting | Later report |
|---|---|---|
| Coverage A replacement cost value | $15,273.56 | $28,486.68 |
Same-claim Coverage A RCV. The final carrier report uses an accepted bid item, not a separately repriced amount for every earlier line.
RCV means replacement cost value, not net insurance payment. This selected historical outcome does not predict another claim’s result.
Allen — Farmers / Fire Insurance Exchange
Starting estimate → documented outcome
$5,949.20 higher · +55.5%
| Component | Starting | Later report |
|---|---|---|
| Line-item subtotal | $10,469.92 | $13,605.03 |
| Material sales tax | $254.86 | $289.93 |
| Separately listed contractor overhead | — | $1,389.51 |
| Separately listed contractor profit | — | $1,389.51 |
| Total RCV | $10,724.78 | $16,673.98 |
An em dash means the component was not separately listed in that source summary.
Same-claim building-coverage RCV, including roof, gutter and other exterior construction items. Not a roof-only or cash-payment comparison.
RCV means replacement cost value, not net insurance payment. This selected historical outcome does not predict another claim’s result.
Read the Allen Farmers / Fire Insurance Exchange case study →
Why Roofing Giant publishes these cases
An insurance estimate and a construction scope can differ for many reasons: measurements, omitted components, repair sequencing, current pricing, labor requirements, manufacturer instructions, code-related items where applicable, and additional documented damage. These case studies show how large those differences can become on real projects.
North Richland Hills: appraisal/umpire estimate
The starting carrier RCV was $1,555.69. The later appraisal/umpire estimate totaled $19,262.58, a documented increase of $17,706.89 or approximately 1,138.2%.
Read the North Richland Hills case study →
Frisco: signed appraisal award
The starting carrier documents reflected $5,855.08 combined RCV. The signed appraisal award established $21,308.31 RCV, a documented increase of $15,453.23 or approximately 263.9%.
Little Elm: supplemental scope review
The starting carrier RCV was $21,201.51. After Roofing Giant submitted a detailed construction estimate and supporting scope information, the final carrier estimate in the project file was marked Approved at $33,549.37 RCV — an increase of $12,347.86 or approximately 58.2%.
Read the Little Elm case study →
What these numbers do — and do not — mean
The comparisons on these pages use documented replacement-cost values or appraisal amounts so the starting and ending scopes can be compared consistently. They are not statements of the homeowner’s net insurance payment. Deductibles, depreciation, prior payments, policy limits, exclusions, and coverage decisions can materially change the amount paid.
Roofing Giant’s role
Roofing Giant is a roofing contractor. We inspect and document construction conditions, measurements, repair scope, pricing, materials, and completed work. We do not act as a public adjuster, determine insurance coverage, or decide claim settlements. Appraisal participants address valuation; the insurer applies coverage and policy terms. Roofing Giant does not determine either.
Evidence standard: A case is included in this collection only when Roofing Giant’s historical file contains documents supporting both the starting amount and the later documented amount. The threshold uses the verified starting carrier estimate available in each project file and a later carrier-approved estimate or appraisal record, on the same-claim coverage basis. It does not compare a requested contractor price with a carrier payment. These selected cases are not a representative sample of all claims.
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.
North Richland Hills — Allstate
Starting Allstate estimate
Open PDF · 6 pagesAppraisal / umpire estimate
Open PDF · 10 pagesThe later document is the appraisal/umpire estimate, not a carrier-written supplement approval. It includes roofing and interior scope. Starting RCV: $1,555.69; appraisal/umpire RCV: $19,262.58.
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.
Little Elm — Safeco
Starting Safeco estimate — retained scan
Open PDF · 7 pagesSafeco approved revised estimate
Open PDF · 15 pagesThe starting document is the seven-page scan retained in the project file. Original page numbering, including gaps, is preserved; its itemized estimate occupies printed pages 5–9 (file pages 3–7). No missing page has been reconstructed. The 15-page revised file is retained as received, including repeated cover/information pages. The comparison includes building and other structures, not only the roof.
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.
McKinney — Allstate
Starting carrier estimate
Open PDF · 7 pagesRevised carrier estimate
Open PDF · 8 pagesThe later PDF is Allstate’s revised estimate. Its total includes roofing, exterior, fence and interior scope. All 7 starting-file pages and all 8 later-file pages are preserved.
Frisco — Kemper / Brush Country Claims
Starting carrier estimate
Open PDF · 8 pagesFinal carrier report — INVOICE / bid-item format
Open PDF · 6 pagesThe final carrier report preserves earlier descriptions marked INVOICE and uses one Roofing Giant bid item for the approved $28,486.68. It does not provide new unit prices for each earlier line. The public copy reproduces the actual source format, with all 6 pages retained.
Allen — Farmers / Fire Insurance Exchange
Starting carrier estimate
Open PDF · 10 pagesRevised carrier estimate
Open PDF · 8 pagesThe 10-page starting packet includes its two-page settlement notice and eight-page estimate, so file-page numbers differ from printed estimate-page numbers. The later eight-page report is preserved in full. Both comparisons use building-coverage RCV.
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.