Frequently asked questions

Do you work with my insurance company?

Yes, Shield Roofing works directly with your insurance to make sure you are getting the most out of your hail claim. Remember, their JOB is to save THEM money. Not you.

What is the difference between ACV (actual cash value) and RCV (recoverable cash value) on my insurance claim?

ACV is the TIME depreciated amount on the structure damaged (roof, siding, skylights ect) and usually give you that amount up front in hopes you DON'T claim the RCV. RCV in laimans terms is the amount you can "recover" if you hire out the work. Yes, that IS your money to apply to your roof, siding and whatever else is on your claim.

If I get multiple bids can I get out of paying my deductable if the bid is lower than my RCV?

No, if a bid is lower than the RCV on the adjusters paperwork then that (lower) amount is then sent to you. When a roofing company sends the final invoice to your insurance company, your insurance company then sends the lower amount to you minus your deductable so it's a lose, lose situation because you could have had a better shingle and materials on your roof as opposed to a lower bid using inferior shingles and materials and you still pay your deductable to the roofing company.

Is there new code requirement for Larimer county and the City of Ft. Collins?

Yes! There are new codes as of January 2019 and will apply them to your project.

Do I need a permit for my roof?

Yes, any work being done more than 1 square (100 square feet) needs a permit and we pull permits on every job.

Are you licensed and insured?

Yes, Shield Roofing is licensed/ insured and can provide any documentation needed.

Are my shingles to old to claim?

Not usually, it is worth a phone call to have an adjuster come decide. One phone call can be worth $5,000 to $20,000 or more. Remember, they want their insured protected as well. A leaking roof can cause thousands of damage as opposed to replacing it.

Does Shield Roofing do roof repairs?

Yes, Shield Roofing is one of the few roofing companies who actually climb on your roof and hunt down leaks or replace missing shingles ect..

Do you warranty your work?

Yes! Shield roofing has a 5 year workmanship warranty.