USUniversal SolutionsColorado

Documentation, adjuster meetings, and scope defense on hail and wind claims.

Storm Restoration & Insurance Support

Front Range hail claims get denied or underpaid on documentation, not damage. We photograph, measure, and write the scope, then meet the adjuster on the roof.

Two things decide a hail claim: what the roof actually took, and what you can prove it took. The second one is where claims get lost, and it is almost entirely settled before the adjuster ever climbs the ladder.

  • Hail & wind claims
  • Adjuster meetings on site
  • Code supplements
  • Dated photo records

What is included

  • Full damage documentation with dated photos and measurements
  • We meet your adjuster on site rather than sending paperwork
  • Supplement filing when the initial scope misses code items
  • Plain-English translation of your claim and deductible

Licensed across 10 listed Colorado jurisdictions plus Denver, Aurora, Centennial, and Lone Tree. BBB A+, 0 complaints.

How we approach it

What this work actually involves in Colorado

Denver sits in the middle of the country's most hail-exposed corridor, and the claim process here has its own rules. This is how we work one.

Document the storm, not just the roof

Hail season on the Front Range runs roughly mid-April through mid-September, and a single address can catch two events in one summer. That matters, because a carrier will ask which storm caused the damage. We tie the inspection to a verified storm date for your address, then document the roof itself: chalked test squares on each slope, dated close-ups with a measuring reference, and — the part most inspections skip — the soft-metal collateral. Dents in gutter aprons, downspouts, fascia, vent caps, and AC condenser fins corroborate stone size and direction, and they are much harder for an adjuster to attribute to foot traffic or manufacturing defect.

  • Test squares chalked and photographed per slope, with slope orientation noted
  • Soft-metal collateral documented — gutters, vents, fascia, condenser fins
  • Interior damage, attic staining, and active leaks logged the same day

We meet your adjuster on the roof

Claim value is decided during the adjuster inspection, not in the paperwork that follows it. Sending photos and hoping is how a scope comes back covering two slopes when four were hit. We are on the ladder with them, walking the same slopes, with the measurements and test squares already marked. Disagreements get resolved standing on the damage instead of over email three weeks later.

  • On-site during the adjuster inspection, not mailing documentation in
  • Measurements and diagrams matched against the carrier estimate line by line
  • Reinspection requested with new documentation when the first scope misses slopes

Supplements are for code, not for padding

Initial carrier scopes are frequently written off a template that predates the code your jurisdiction adopted. The items that get missed are boringly consistent: ice barrier at the eaves, drip edge, code-required ventilation, high-wind nailing patterns, deck replacement where spacing or condition requires it, and step or counter-flashing that cannot legally be reused. Those are supplement items because code requires them, and many policies carry ordinance-or-law coverage precisely for that. We file the supplement with the code citation attached. We do not invent line items — a padded supplement gets the whole claim scrutinized, and you are the one holding the property.

  • Line items tied to the code your municipality has actually adopted
  • Ordinance-or-law and code-upgrade coverage identified in your policy
  • Depreciation and recoverable amounts explained in plain English before you sign

The Colorado rules a storm contractor has to follow

Colorado wrote a residential roofing statute after the last few hail booms, and it exists because of what out-of-state storm chasers did here. It requires a written contract with the full scope and cost, prohibits a roofer from paying, waiving, or rebating any part of your insurance deductible, and gives you the right to rescind the contract within 72 hours of learning your carrier denied the claim. Anyone offering to eat your deductible is offering to break that law and to take the value out of your roof somewhere you will not see it.

  • Written contract with the full scope and price before any work is scheduled
  • Your deductible is yours to pay — no waiving, no rebating, no creative accounting
  • Your right to cancel after a denial explained up front, not buried

Straight answers

What we will not promise you

Every contractor promises quality and communication. Fewer will tell you where the limits are before you sign, which is the more useful information.

  • That your claim will be approved. No contractor controls that, and any promise of approval is a sales line.
  • To negotiate your claim for you. That is public adjusting, it requires a license we do not hold, and a contractor who blurs that line is exposing you.
  • A full replacement inside a week after a regional hail event. After a major storm, material availability and adjuster calendars set the schedule — we will give you a real date and prioritize active leaks first.

Questions

Storm Restoration & Insurance Support: common questions

The questions people actually ask on the first call, answered the way we would answer them standing in your driveway.

Not always. If the damage will not exceed your deductible by a meaningful margin, filing gets you a claim on your record and no check. We inspect first and tell you what we found, including when the honest answer is that the roof took cosmetic hits and has years left. That conversation is free, and it is a better use of the visit than talking you into a claim you will lose.

Something not covered here? Call (720) 668-1611 or send it over in writing. Either way you get a real answer, not a callback from a sales rep.

Related work

The rest of what we run

Most projects touch more than one of these. They are managed together, on one schedule, under one contract.

All services

Next step

Have someone look at it before you decide anything.

The consultation and site assessment are free, take about an hour, and end with a written scope and a real budget — including the times the honest recommendation is a repair, a different trade, or waiting for a better weather window.

Request Free Consultation(720) 668-1611

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