Serving Northern Colorado · Fort Collins · Loveland · Windsor · Berthoud
Roofer and insurance adjuster reviewing a shingle roof together at golden hour
Insurance claims

We speak insurance, so you don't have to.

A hail claim has a dozen steps and one goal: getting your roof actually covered. We've been managing them across Northern Colorado since 2019 — you make one call, we handle the rest.

What we handle

Every step between the storm and the signed-off roof.

Insurance claims fall apart on documentation and follow-through. Those are the two things we never leave to chance.

Damage documentation

Slope-by-slope photos of every impact point — the evidence file your claim stands on, assembled before your insurer ever visits.

The adjuster meeting

We're on the roof with your adjuster, walking every slope together, making sure nothing gets missed or minimized.

Scope review & supplements

If the approved scope misses real damage, we provide the documentation to get it corrected — politely, persistently, and in writing.

The build itself

Once the scope is approved, we replace the roof to spec — most homes in a day or two.

Completion paperwork

Invoices and completion certificates filed with your insurer so the final payment gets released without you chasing it.

Straight answers first

If the damage doesn't justify a claim, we tell you before you file — a free inspection protects your record, not just your roof.

How it works

How the claim actually works.

1

Free inspection — is a claim even worth it?

We document the storm damage first and give you an honest read. No damage, no claim, no pressure.

2

You file, we take over

You open the claim with your insurer — that part has to be you. From there, the documentation, scheduling, and meetings are ours.

3

Adjuster walks the roof with us

Your adjuster sees everything we documented, slope by slope, so the approved scope reflects the actual damage.

4

Approved scope → new roof → final paperwork

We build to the approved scope, then file the completion paperwork that releases your final payment.

Good to know

Claim questions, answered straight.

Will filing a hail claim raise my rates?

Weather claims are generally treated as "acts of God" — not like at-fault claims. That said, insurers do adjust regional pricing after big storm years whether you file or not. Your agent can tell you how your policy handles it; we'll give you the damage facts to decide with.

What do I actually pay?

Typically your policy deductible. One thing to know: Colorado law prohibits roofing contractors from paying, waiving, or rebating your deductible — anyone who offers to "eat" it is breaking the law, and that's the company you don't want on your roof.

What if my claim is denied or underpaid?

It happens, and it's often a documentation problem. We re-inspect, build a stronger evidence file, and submit supplements. Many scopes get corrected when the damage is properly shown.

Do you charge for claim help?

No — the inspection and documentation are free. We're paid as the roofing contractor on the approved scope of work, same as any roof we build. More on how we work →

Storm clouds over the Colorado Front Range

One call. The whole claim, handled.

Free inspection, full documentation, and someone on your side of the roof when the adjuster shows up.

Call Free inspection