Insurance claims
Roof Insurance Claims in Littleton: How Yours Will Go
If hail damaged your roof, many policies cover the repair or replacement, minus your deductible. Whether yours comes up short usually depends on one thing: whether the damage was documented properly. Here's how a claim goes, where homeowners lose money, and what we do to help.
How Your Claim Goes, Step by Step
- Free inspection. We get on your roof and photograph its condition, whether or not you end up filing.
- A straight answer. If there's no damage worth claiming, you'll hear that. A repair is often the right answer instead.
- Documentation. If there is damage, we write it up with photos in the line-item format your insurance company already uses, and you get a copy.
- You file, and we meet your adjuster. You stay the one dealing with your insurance company. We're on the roof with the photos and the write-up, so what gets recorded is what's actually up there, not what can be seen from a ladder in ten minutes. We come back for the city inspections too.
- The work. A written price, no money up front, the manufacturer's Limited Lifetime materials warranty and our 10-year written labor warranty.
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 wasn't sure there was damage or assumed a claim would raise their premium. An inspection settles the first question for free, including when the answer is that you don't have a claim.
Damage Nobody Wrote Down
A first scope that misses damage, or prices the work below what it really takes, is common. Thorough photos of what's actually on your roof are what fix that, and they're what's most often missing.
Signing With a Storm Chaser
Out-of-state crews show up after every big Front Range hailstorm, sign as many contracts as they can, and are gone before the warranty means anything. Ten questions will sort them out fast. We're on West Littleton Boulevard and were here before the storm.
Missing the Deadline
Policies limit how long after a storm you can file. If a past storm may have damaged your roof, that clock is already running.
What We Do, and What We Can't
We do: inspect your roof, photograph and document the damage, write it up the way your insurance company expects to receive it, and meet your adjuster on the roof with it in hand.
We can't: negotiate, adjust or settle your claim. In Colorado that's the work of a licensed public adjuster, and a roofing contractor is not allowed to do it for you. So if a roofer offers to "handle your claim" or "fight your insurance company," they're promising something they can't legally deliver.
Your Deductible
Under Colorado law, a roofer can't pay, waive, rebate or absorb any part of your deductible, or offer to. If someone offers to "eat your deductible," or to write the invoice high enough to cover it, they're proposing insurance fraud with your name on the claim. We won't do it, and we'd treat the offer from anyone else as a reason to get them off your property.
If Your Claim Is Denied, You Can Cancel
Colorado law lets you cancel a roofing contract without penalty within seventy-two hours after your insurance company tells you the claim has been denied, in whole or in part. If that happens, tell us and we'll cancel it. Since we take no money up front, there's 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.