Infinity Roofing & Siding - San Antonio

04/30/2022

Today's Educational Tip 101: WHAT’S THE DIFFERENCE BETWEEN RCV AND ACV?

When you’re purchasing homeowner’s insurance, there are two types of policies: RCV and ACV. It’s VERY important you know the difference between the two.

RCV stands for Replacement Cost Value. This type of policy pays you to repair or replace your property with a similar kind and quality.

ACV stands for Actual Cash Value. This type of policy pays you the replacement cost like RCV, MINUS the depreciated value.

Let’s say you have a $1,000 couch, and it needs to be replaced after a fire.

If you have an ACV policy, the insurance company says: “Okay, it’s going to cost $1,000 to replace this couch. This couch has an estimated life expectancy of 10 years, and the receipt shows you bought it 4 years ago. That means this couch has depreciated 40% of its original $1,000 value. Here’s a check for $600, which is the current value of the couch.”

This means you’ll need to come up with the other $400 if you want to buy a couch that cost as much as yours did when you originally bought it.

If you have an RCV policy, this plays out a little differently.

With an RCV policy, your insurance company says: “Okay, it’s going to cost $1,000 to replace this couch. This couch has an estimated life expectancy of 10 years, and the receipt shows you bought it 4 years ago. That means this couch has depreciated 40% of its original $1,000 value. Here’s a check for $600, which is the current value of the couch. Once you buy a new couch, send us a copy of the receipt and we’ll send you the remaining $400.”

This means you can get the same type of couch as the one you had – this one will even be brand new instead of 4 years old – and the insurance company will reimburse you for the FULL amount, not just the ACV amount.

This is especially important when it comes to REBUILDING your home, not just replacing the contents inside of it. Having an ACV policy might cause some issues if you ever have a fire, need a roof replacement, basement flood, or another source of damage to your home.

Not sure if you have an ACV or RCV policy? Talk to your insurance agent. When it comes to your roof it can be a big, financial burden when your roof has some years on it and it's close to fully depreciated. RCV policies typically cost a bit more, but it might be worth it to have complete peace of mind that you’ll be covered if something happens.

04/30/2022

San Antonio is all about outdoor dining.

Helotes is a really cool place to hang out and add a cold dining spot, and it's a great day. Enjoy!

10 reviews of Helotes Beer Garden "Came here after checking out busted sandal in the area, and I can't believe this place wasn't busy! This would be a great place to check out before (or after) a concert at Floores, or just a fun hangout spot. They had a large variety of beers, seltzers, ciders, and...

04/28/2022

Today's Frequently Asked Question:
What's the best value shingle on the market?

The most common roof one will see is the asphalt shingle. From three-tab up to the architectural/dimensional type.

The difference between the two is really that three-tab is the base-line, builder-grade product, and architectural/dimensional is an upgrade. As just a notch up in quality, it is more resilient to any hail impact over and above the three-tab.

See a quick intro to GAF Timberline in under 60 seconds here.

Have a wonderful day, San Antonio.

Now with a 25-Year StainGuard Plus™ Algae Protection Limited Warranty and LayerLock™ Technology, Timberline HDZ® offers everything you can expect from an arc...

04/27/2022

Another 5 Star review.

In Darrell's case it was a positive outcome. It's not always the case. It's imperative to have an experienced roofing contractor on your side. This is a testament that Insurnacne companies are looking our for shareholders above POLICYHOLDERS.

Roof Replacement
Darrell G. 1 month ago
I experienced roof damage from Hurricane Ida and was rejected for repair or replacement by my insurance inspector. I met Vernon Henson a representative of Infinity who was in my subdivision monitoring a roof replacement on a neighbor’s house. I told him my problem and he offered to take a look at my roof. He then offered to meet with an inspector from the insurance company if I appealed. I felt like I had a partner on my side when we met with the new inspector who agreed there was damage and made recommendations to the insurance adjuster. Vernon worked on my side as we dealt with the back and forth with the adjuster until we finally got a check. Throughout my experience Vernon met my three R’s of performance. He was consistently responsive, reliable and reasonable. If not for Vernon and Infinity Roofing I feel confident I would not have a full new roof on my house today.

04/26/2022

Another completed project in Laura Heights North of FM 1560 off Galm.

04/25/2022

Teamwork...say hi to some of the team.

Work is never dull, especially when the client is entertaining you!
We believe that Kim, one of our Project Managers (far right), is describing how a roof goes on..LOL.

Happy Monday San Antonio.

04/24/2022

Last day for the Poteet Strawberry Festival...better hurry.

April 3-5, 2020 73rd Annual Strawberry Festival in Poteet, Texas Day(s) : Hour(s) : Minute(s) : Second(s) What is the Poteet Strawberry Festival? Held annually in April, the festival has 14 areas of continuous entertainment featuring concerts with nationally known Country Western and Tejano stars, r...

04/23/2022

Today's Educational 101:

How Water Damage Affects Your Roof and Why It's So Important to Protect It from Water Damage.
Water damage is among the worst offenders when it comes to roofing issues, as it can quickly yet effectively work its way deep into your roof system and cause substantial issues. Unfortunately, water can come at your roof from a variety of sources that are both common and, oftentimes, unavoidable:

Rain
Humidity
Gutter issues
Yes, water can be a stubborn factor to deal with when it comes to maintaining your roof, but you're certainly not entirely alone in this endeavor. After all, you can always look to services that are geared toward protecting your roof from water damage and other harmful factors.

Mold Growth
Mold thrives in humid environments. What's more, mold is a serious threat to people's health. So, if it's present in your home or commercial property, you and everyone who frequents the location will be at serious risk of facing health complications. To keep yourself, your team members, and your guests safe and healthy, take steps to prevent water damage from affecting your roof.

Structural Weakening
Water damage is dangerous in other ways, and one of the more unsettling ways is by weakening the structural support of your property. This issue can suddenly lead to weakened structural integrity, posing a serious threat to the safety of everyone within the vicinity. Fortunately, by waterproofing your roof, you can greatly reduce the likelihood that this issue will affect your property.

Increased Energy Costs
High energy costs can eat away at a substantial portion of your budget, in turn eating into your ability to make repairs as the need arises. To get your budget back under control, get your energy costs under control. An effective way to avoid high utility costs is to keep your roof well-insulated by protecting it from water damage.

God bless and have a happy weekend.

04/22/2022

Shout-out to Express Oil Change & Tire Engineers

There's some real value in calling around folks.
I bought my truck from Red McCombs and I recently called their service department about balancing the tires.

I just had them balanced a short time before and they were completely out of balance. The weights they put on the rims had mostly all flown off. I inquired to the service manager about what they would do. Well, he said he would discount the service from $92 ton$75.

I laughed. Some people just won't stand behind their work.

I then called around and found a very professional, courteous manager to speak with at Express. Glad I did...total cost for 4 truck mud tires rebalanced $45.99

Have a great day.

04/21/2022

Denied Roofing Claim?

We've done about a dozen roofing jobs in Laura Heights over the past few months. Two denials for full roof replacement have been approved for full replacement. One claim started with only (100 sq ft) approved from heavy winds. We assessed the damage and provided the homeowner's insurance with our Damage Assessment report, and it went to a full roof approval.

The second homeowner had the left side of the house mostly approved for replacement from heavy wind damage. The house has a very large solar panel system as well. We assessed the situation and brought the claim up to a full roof replacement, including the funds to detach and replace the solar panels so the roof work can be done.

This is what a highly experienced roofing contractor can do for you, too. Call us today to provide you with a FREE inspection so you know whether you are affected by the heavy wind storms that have blown in since early January.

If you are not approved for more than repairs, call us! 210.504.8648