Insurance Claim Experts

Your insurer has a process. So do we.

Q: What is ACV vs. RCV roof insurance?

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.

Q: What if my claim was denied?

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 Denied

Documentation, adjuster meetings, supplements, and appeals for Utah homeowners — a claims team that works the process so you don't have to learn it.

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Experts in storm recovery , insurance claims , and hassle-free roof replacement.

Expert Roof Insurance Claims Assistance

Learn more about the services we offer — expand any section to dive deeper.

We Optimize Your Claim: We perform a line-by-line audit of your insurance estimate to find any missing items or code requirements, ensuring you get everything you’re entitled to.
A Stress-Free Process: Our team handles all scheduling, permits, and communication, so you can relax while our certified crews complete your quality restoration.
Your Deductible is Your Only Cost: We work directly from the approved insurance scope, guaranteeing that your only out-of-pocket expense is your deductible—period.

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A Denial is Not the Final Word: Many claims are wrongfully denied by inexperienced adjusters. We provide the expert second opinion you need to fight back.
We Find the Evidence They Missed: Our team performs a meticulous inspection to document the storm damage that adjusters often overlook, building a powerful case for your appeal.
No-Risk Claim Re-evaluation: We will inspect your property and help you challenge the denial at no cost. We are confident we can prove the damage and earn your business.

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Common Issues:

A denial isn’t the final word.

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

Roof Insurance Claim FAQs

Filing deadlines, ACV vs. RCV, and what to do after a denial — expand any question to dive deeper.

How long do I have to file a hail claim in Colorado?

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.

What is ACV vs. RCV roof insurance?

What if my claim was denied?

Real Clients. Real Results.

★★★★★

George of PRQ Exteriors stopped at my mom’s house and checked her roof for hail damage. There was no cost and he took photos and showed her that her roof was fine. As we chatted I told him our roof needed looked at. He drove down to my house and checked my roof. He sent me photos of my roof and showed places where the hail had hit. Fortunately, our roof was fine and we didn’t need any repairs. I very much appreciated George’s manner. He wasn’t pushy. He just wanted to check our roofs to see if they needed repairs. Because we didn’t need repairs he just gave us information for future needs. I’ve had a few people knock on my door since this last hail storm and George is the first person I felt comfortable enough with to have him check our roof.

M C.PRQ Exteriors — Bountiful, UT

★★★★★

PRQ has been so easy to work with. As a busy mom, it means a lot. Thanks for for being efficient and thorough

Janae H.PRQ Exteriors — Bountiful, UT

★★★★★

Im so excited to work with prq exteriors. Ive had a few roofers take a look at my roof and most were telling me they didnt find enough damage to file an insurance claim for my hail damage. But PRQ was able to find the damage and got my claim approved that was missed by others. So grateful for their diligence.

Josselynn A.PRQ Exteriors — Bountiful, UT

★★★★★

Eric and George are awesome. They gave us an honest inspection on our roof and found no hail damage. It’s refreshing to find honest people/contractors.

Kerry S.PRQ Exteriors — Bountiful, UT

★★★★★

Great experience with PRQ Exteriors. They are highly responsive, professional, and very easy to communicate with. They really take the time to listen to your needs and answer questions. Highly recommend them based on their excellent customer service

Cade K.PRQ Exteriors — Bountiful, UT

★★★★★

M C.PRQ Exteriors — Bountiful, UT

Roof insurance claim help in Salt Lake City

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