Percentage deductibles, wind-versus-flood lines, and Florence-grade documentation — handled start to finish.
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 DeniedThese guys provide a great customer experience. Communication was top notch throughout the entire process. If you need a roof give PRQ a call
Jonathan H.PRQ Exteriors — Jacksonville, NCPRQ crew did an outstanding job of replacing our home’s roof. Despite some issues due to weather the work was completed and we have received several compliments on the looks, their efficiency and the cleanup that followed. Thanks.
Teresa S.PRQ Exteriors — Jacksonville, NCIf you’re looking for roofing services done right, choose PRQ. Austion and the PRQ team are truly at the top of their game. Austion is extremely helpful, easy to talk to, and has your best interests at heart. The team completed a full roof replacement during a particularly windy day and took extra steps to protect the property as well as neighboring properties. They completed the job quickly and safely, and went the extra mile during cleanup. It’s clear PRQ takes a lot of pride in their work and truly cares about their customers. Cannot recommend PRQ more.
Josh Z.PRQ Exteriors — Jacksonville, NCGreat company all the way around - truly the best roofers in Jacksonville, NC. Austion and Tony were incredibly friendly, professional, and knowledgeable. They made sure I understood the entire roofing process and felt comfortable with every step. They scheduled a roof inspection at a time that worked with my busy calendar, and their report was thorough, easy to understand, and delivered quickly. They presented me with all my options and I didnt feel pressured one way or the other. They also helped answer my roofing insurance questions, which was a huge relief. From inspection to scheduling to completing the roofing project, everything moved quickly. The production team was just as impressive - friendly, tidy, and highly skilled. We completely recommend PRQ for any roofing issues, roof cleaning, or roof repairs in the Jacksonville, NC area. When we need a roof replacement ina few years, we'll be giving them a call.
Zeelie S.PRQ Exteriors — Jacksonville, NCPRQ Exteriors went above and beyond for our roofing needs. Austin came out and met us at the house when it was convenient for us. He discussed different types of roofing, colors, cost, showed samples, and explained what would be beneficial for our home. He is very knowledgeable in this area, and we never felt rushed or pressured. The whole process was extremely easy from start to finish. We told him what we liked, and he provided all materials. I never had to pick up a single item. This company showed up when scheduled, and finished in a timely manner.
Chris S.PRQ Exteriors — Jacksonville, NC
(UNDERPAID/DENIED CLAIMS)
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