McKinney, Texas · Allstate · 2018 project records
A 2018 McKinney hail claim began with a limited roof-repair scope. Following supplemental review and a later inspection, Allstate issued a broader estimate: $25,405.95 RCV, compared with the $6,855.94 starting estimate on file.
View the original reports — before and after
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.
Photographs from this project file
These photographs document recorded conditions. They do not, by themselves, establish damage causation, coverage or completed repairs.
A partial repair scope was the starting point
The Allstate estimate dated July 13, 2018 documented $6,855.94 replacement cost value for this McKinney property. Its roof section combined replacement of a limited roof area with individual-shingle repairs. It also included selected exterior components and a labor minimum.
Roofing Giant’s project correspondence shows that the homeowner requested help identifying supplemental repair requirements. On July 18, the homeowner forwarded the contractor estimate to the carrier to begin the supplemental review.
The physical scope changed, not just the price
Both carrier reports show the same measured roof area: 41.86 squares. The starting report allowed removal of 6.16 squares along with repairs involving 119 individual shingles. The revised report allowed removal of 41.86 squares and installation of 50.33 squares of shingles, including the carrier’s stated waste calculation.
The drip-edge quantity changed from 45 linear feet to 261.26 linear feet. The revised scope also included additional flashing and roof components, gutter/downspout work, fence cleaning and staining, and master-closet repairs. These are differences visible in the actual estimate files, not quantities reconstructed for this story.
The carrier’s revised estimate
The later Allstate report records a September 25 inspection and a September 26, 2018 estimate. Its line-item subtotal was $20,653.13, with $518.44 in material sales tax and separately listed contractor overhead and profit of $2,117.19 each. The resulting RCV was $25,405.95.
That is $18,550.01 above the starting RCV — a 270.6% increase. The project file also contains the homeowner’s October 5 email forwarding the revised estimate from Allstate and asking to arrange the work.
What this comparison establishes
This is a comparison between two carrier estimates for the same property, claim and coverage summary. The outcome is the revised Allstate estimate, not Roofing Giant’s requested price and not an appraisal award.
The percentage concerns the documented scope as a whole. It does not mean the homeowner received an additional $18,550.01 check or that every listed repair was performed. The project illustrates how a limited initial repair scope can differ materially from the broader construction scope later documented by the carrier.
Original reports — before and after
Original source documents — redacted for privacy. Estimate entries and amounts unchanged. Every page in these retained files is included. Carrier names and branding, descriptions, quantities, prices where provided, taxes, depreciation, overhead/profit and totals are preserved. Homeowner names, addresses, personal contact details, claim/policy numbers, signatures and identifying metadata have been removed. Unredacted originals remain private.
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.
Source records and calculation
- Starting Allstate estimate dated July 13, 2018: roof/exterior line items, pages 2–4; AA-Dwelling RCV summary, page 6. All 7 retained pages are included.
- Revised Allstate estimate dated September 26, 2018: itemized scope, pages 2–4; RCV summary, page 5; tax, room and category recaps, pages 6–8. All 8 retained pages are included.
- Private CRM project correspondence dated July 18 and October 5, 2018 supports the supplement submission and receipt of the revised carrier estimate.
Increase = ($25,405.95 − $6,855.94) ÷ $6,855.94 × 100 = 270.6%, rounded to one decimal. The baseline is the verified starting carrier estimate retained in the project file, not an assertion that the insurer never created an earlier version. Both amounts refer to the same claim and coverage basis.
Does the repair scope match the property?
Request a roof inspection and a documented construction-scope review.
Schedule a Free Roof InspectionImportant: These are selected historical outcomes, not typical-results claims or guarantees of approval, payment or percentage increase. Replacement cost value (RCV) is not net payment, a final construction invoice or proof that every estimated item was performed. 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. Information only; not insurance, public-adjusting, financial or legal advice.