Deductible law, state licensing, and evidence-first files — claims done the legal way.
Experts in storm recovery , insurance claims , and hassle-free roof replacement.
Many valid claims are wrongfully denied by overworked or inexperienced adjusters who mistake real storm damage for “wear and tear.” Our experts specialize in identifying the clear evidence of hail and wind damage that adjusters often miss. We provide a free, no-risk second opinion to assess your property and, if a valid claim exists, we will help you challenge the denial and fight for the coverage you deserve.
Does your home have storm damage? Book your free inspection now
Filing deadlines, ACV vs. RCV, and what to do after a denial — expand any question to dive deeper.
Most insurance policies in Colorado enforce a 1-year deadline from date of loss to file an insurance claim for hail damage. This can vary by policy, so it is important to check with your insurance provider first for your specific circumstance.
These terms determine how much your insurance company pays for your new roof.
RCV (Replacement Cost Value): This is the “gold standard.” It covers the cost to replace your roof with brand new materials at today’s prices, minus your deductible. In an RCV claim, the insurance company pays in two parts: the current value first, and the rest (recoverable depreciation) after the work is completed.
ACV (Actual Cash Value): This pays you what your old roof is worth today, accounting for its age and wear (depreciation). If you have an ACV-only policy, the insurance company deducts the depreciation from your payout, and they do not pay it back. You must pay the difference between the check amount and the cost of the new roof out-of-pocket.
Check your policy. An RCV policy generally leaves you paying only your deductible. An ACV policy could leave you paying more out of pocket.
Don’t accept a denial as the final word. It is very common for initial claims to be denied due to inexperienced adjusters, rushed inspections, or damage being incorrectly labeled as “wear and tear.”
Contact us for a free, no-obligation inspection. Our experts will perform a detailed inspection to document the storm damage the adjuster missed. If we find valid evidence, we will help you request a re-inspection and meet the new adjuster on your roof to point out the specific damage and advocate for the coverage you deserve.
Insurance DeniedMike and Anna were both so great to work with! Made our process easy and straightforward when we weren’t sure how to proceed. We really appreciated them!
Rebecca C.PRQ Exteriors — Naperville, ILSuch an amazing company. My insurance company denied my claim when they came out and then I found Dan. What a lifesaver! He really fought for me and listened to everything I had to say. He made the entire process as painless as possible. I could not have asked for a better experience! Highly recommend!
Lianna G.PRQ Exteriors — Naperville, ILAwesome team to work with! Very honest and straightforward. Made the whole process very smooth. Will definitely use again in the future and recommend to friends and family. Tony is the man!
Evo I.PRQ Exteriors — Naperville, ILNevaeh and George are amazing! So helpful and answered all of our questions. Gave us a great explanation of the process and how to navigate through it!
Danijela S.PRQ Exteriors — Naperville, ILWas a pleasure working with Mike. He gave us an honest assessment of our roof after a hailstorm (he indicated the roof was totally fine). Other roofing contractors were insisting that it needed replacement. We were glad to work with Mike knowing he would tell us the truth and not make us have to get another roof even if it benefitted his company monetarily. Thanks again Mike!
Mark W.PRQ Exteriors — Naperville, IL
(UNDERPAID/DENIED CLAIMS)
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