Expert Roof Repair & Installation Contractors in Thornton, CO

IR Class 4 shingles do work but are not a bullet proof answer to hail. A Class 4 shingle allows for up to 2" hail stones. However, if the hail is somewhat jagged it can cut into a Class 4 shingle as much as any other shingle. The pro is they do hold up to smaller hailstorms keeping you from making as many claims in a hail prone area and in most cases will give you an additional insurance discount. The con is they may work too well and if you do not replace your roof in a 20 year period; your insurance will go up.

Building code is what a city or county sets up as the parameters to what needs to be added to bring a building up to current code. This needs to be added or done regardless if insurance is paying for it or if it's a cash deal in order to pass inspection. Sometimes there is a waiver on an insurance policy that does not include building code which then becomes the owners responsibility to pay the difference.

Actual Cash Value is a depreciated dollar amount that insurance gives you to start a claim or in some cases is the type of policy a homeowner may have that pays only the depreciated amount of the claim. Replacement Cost Value is the estimated claim amount expected to repair the property completely. When you have an RCV policy, the insurance will give you an ACV check minus your deductible and when the work is completed, they send a second check for the full replacement cost.