ACV Policy Campaign

Your Roof Insurance Coverage May Have Changed — WITHOUT YOU KNOWING!

Your Policy Might No Longer Cover What You Think It Does
At Priority Restoration, Inc., we’ve been seeing a worrying trend across Colorado — insurance companies are quietly changing coverage during renewal periods, and many homeowners are unaware until it’s too late.

If your policy has been switched from a Recoverable Cash Value (RCV) policy to an Actual Cash Value (ACV) policy, you could be facing tens of thousands in unexpected costs after a hailstorm or wind event.
What’s the Difference Between RCV and ACV?

  • RCV (Recoverable Cash Value): Covers the full cost of repairs or replacements, minus your deductible.
  • ACV (Actual Cash Value): Only pays the current value of your damaged roof — factoring in depreciation — leaving YOU to cover the difference.

That means a $20,000 roof replacement might only be covered for $10,000 under an ACV policy, leaving you to pay the rest out of pocket.

Real Colorado Homeowner Stories

These are real examples from just the past few weeks:

Karla & Ricky (Age 80+)

  • Recently filed a claim expecting full coverage.
  • Discovered an $8,000 deductible AND a switch to ACV coverage.
  • Result: They’re now on the hook for $20,000 out of pocket.

Brittany

  • Her adjuster approved repairs (roof, gutters, paint, window frame holes).
  • She was told she had only 3 business days left to recover depreciation due to an overlooked deadline.
  • A ticking time bomb she never saw coming!

Mr. and Mrs. T – Castle Rock

  • Hail-damaged roof expected to be covered.
  • Found out their insurance only covers $10,000 of a $40,000 repair.
  • They’re responsible for the remaining $30,000.

These are not isolated incidents — we’re seeing this all across the state.

Why You Need to Act NOW

If your home has ever experienced hail or wind damage in the last few years, you may still be eligible to file a claim — but time is running out. Insurance policies are changing fast, and acting before the next shift can save you thousands.

Get a Free Roof & Policy Review

We offer no-cost, no-obligation:

  • white_check_mark: Roof Inspections
  • white_check_mark: Policy Reviews

We’ll help you understand your current insurance coverage and your options for protecting your home. (Please note: We are not licensed insurance agents or attorneys. We offer insight based on real-life experience with insurance claims.)

Schedule Your Free Roof Inspection Today
Click here to schedule now
Watch our Fox31 News Interview about this issue

Questions? Call Us Anytime.

Chris Teem
Owner/President, Priority Restoration, Inc.
Phone: (303) 529-9038 x101
www.priority-restoration.com