Insurance claims
Your Damage, Documented the Way Your Carrier Reads It
Most roof claims that come up short do so for one reason: nobody documented the damage properly in the first place. That part is our job, and we are good at it.
We write up the damage in the same format your insurance company already works with. When it arrives that way, the conversation is about the actual condition of your roof rather than about paperwork.
We are also there in person for the parts that matter. We meet your carrier's adjuster on the roof, with the photographs and the write-up already in hand, so what gets recorded is what is actually up there rather than what can be seen from a ladder in ten minutes. We come back for the city inspections as well. Those meetings are where claims are won or quietly lost, and sending nobody to them is how homeowners end up short.
What We Do, and What We Do Not
We do: inspect the roof, photograph and document the damage, write it up the way your carrier expects to receive it, and meet your adjuster on the roof with that documentation in hand.
We do not: negotiate, adjust or settle your claim for you. In Colorado that is the work of a licensed public adjuster, and a roofing contractor is not permitted to do it on a homeowner's behalf. Any roofer who offers to "handle your claim" or "fight your insurance company for you" is promising something they are not allowed to deliver. That tells you plenty about the rest of what they are promising.
Where Homeowners Lose Money on a Roof Claim
Never Filing at All
Plenty of hail-damaged roofs across the metro were never claimed, because the homeowner was not sure there was damage or assumed a claim would raise their premium. We will inspect and tell you straight, including when the honest answer is that you do not have a claim.
Damage That Was Never Documented
An initial scope that misses damage, or prices the work below what it actually takes, is common. Thorough photographic documentation of what is actually on the roof is what makes the difference, and it is what is most often missing.
Signing With a Storm Chaser
Out-of-state crews arrive after every major Front Range hail event, sign as many contracts as they can, and are gone before the warranty means anything. Ten questions will sort them out quickly. We are based on West Littleton Boulevard and were here before the storm.
Missing the Filing Deadline
Policies limit how long after a storm you can file. If you think a past storm may have damaged your roof, that clock is running.
How It Actually Goes
- Free inspection. We get on the roof and document condition with photographs, whether or not you end up filing.
- An honest answer. If there is no claimable damage, we tell you that. A repair quote is often the right answer instead.
- Documentation. If there is damage, we write it up with photo support in the format your carrier expects, and you have a copy for your own use.
- We meet your adjuster. On the roof, with the documentation in hand. You remain the person dealing with your carrier. We are there to show them what is up there.
- The work. Written price, no money up front, Limited Lifetime materials warranty and our 10-year written labor warranty.
Your Deductible
Colorado law prohibits a roofing contractor from paying, waiving, rebating or absorbing any part of your insurance deductible, or offering to. A contractor who offers to "eat your deductible", or to write the invoice high enough to cover it, is proposing insurance fraud, with your name on the claim. We will not do it, and we would treat the offer from anyone else as a reason to get them off your property.
Your Right to Cancel
Colorado law also gives you the right to rescind a roofing contract without penalty within seventy-two hours after your insurer notifies you that the claim has been denied, in whole or in part. If that happens, tell us and we will cancel it. Since we take no money up front, there is nothing for us to return.
From Homeowners We Have Helped
“He provided me emergency services with holes in my roof at no cost just to make sure it would make it through the storm. He was willing to work with me and my insurance company to make sure all of the proper credentials were being taken care of.”
“My insurance would not pay for a new roof even though it was very damaged, but David worked with me to come up with a good price. there are few roofing companies that will do that.”
Carriers We Have Worked Alongside
We have documented claims for homeowners insured with carriers across the industry, including:
- State Farm
- Allstate
- USAA
- Farmers
- American Family
- Nationwide
- Liberty Mutual
- Travelers
- Chubb
- Hartford
- Safeco
- Progressive
- GEICO
- Auto-Owners
- Amica
- Country Financial
- Shelter Insurance
- MetLife
- Encompass
- Foremost
- Hanover
- Kemper
- State Auto
Working alongside a carrier does not imply affiliation with or endorsement by that carrier. Nothing on this page is legal advice or a promise about how your particular claim will be handled; read your own policy.