What is Insurance Restoration?
Insurance restoration is the process of repairing or replacing storm damaged components of your home using your homeowners insurance coverage. In Colorado, this most commonly involves damage from hailstorms, though wind, fallen trees, and other covered events also qualify.
The goal of insurance restoration is to return your home to its pre-storm condition. This may include replacing your roof, repairing or replacing siding, installing new gutters, and addressing any other covered damage. The process involves coordination between you, your insurance company, and your roofing contractor.
Choosing the right contractor for insurance restoration is critical. You need a company that understands how to document damage thoroughly, communicate effectively with insurance adjusters, and perform quality restoration work. Gates Enterprises has been doing exactly this for Colorado homeowners since 2017.
The Insurance Restoration Process with Gates Enterprises
We have streamlined the insurance restoration process to make it as smooth as possible for Colorado homeowners. Here is how it works.
Free Storm Damage Inspection
Our inspector performs a comprehensive assessment of your roof, siding, gutters, and other exterior components. We document every instance of damage with detailed photos and measurements. This inspection is completely free and carries no obligation.
HailScore Data Analysis
Before we even climb your roof, we use our proprietary HailScore technology to pull NOAA radar data for your specific address. This shows the exact hail events that have impacted your property, including hailstone sizes and dates. This objective data strengthens the documentation we provide.
Filing Your Claim
Once we have documented the damage, we help you understand your options. If you choose to file a claim, we provide guidance on what to tell your insurance company and what to expect from the process.
Insurance Adjuster Meeting
When your insurance company sends an adjuster, a Gates Enterprises representative meets them at your property. We walk through every item of damage we documented, ensuring nothing is overlooked. Our thorough documentation and professional approach help ensure the adjuster has a complete picture of the damage.
Supplementing When Necessary
Sometimes the initial insurance estimate does not capture the full scope of damage. When additional damage is discovered during the project or when line items are missed, we prepare and submit supplements to your insurance company. This process helps ensure your property is fully restored, not partially patched.
Quality Restoration
Once the claim is approved, our certified crews perform the restoration work. As a quadruple manufacturer certified contractor, we install products from GAF, Owens Corning, Malarkey, and CertainTeed at the highest standards. Your restored roof comes with the strongest warranties available in the industry.
Final Walkthrough and Documentation
After the work is complete, we conduct a final walkthrough with you to ensure everything meets your expectations. We provide completion photos and all warranty documentation for your records.
Why Gates Enterprises for Insurance Restoration
Not all roofing contractors approach insurance restoration the same way. Here is what makes Gates Enterprises the right choice.
Why Documentation Makes All the Difference
The outcome of your insurance claim often depends on the quality of documentation provided. A quick walk around your property with a few phone photos is not enough. Gates Enterprises takes a comprehensive approach.
We document every damaged shingle, every dented gutter section, every cracked piece of siding. We include measurements, overhead diagrams, and close up photos that clearly show the nature and extent of the damage. Our HailScore data adds an additional layer of objective evidence, showing that significant hail events have indeed impacted your property.
This level of documentation helps ensure your insurance company can process your claim accurately and completely. When adjusters see professional, thorough documentation, the process typically moves more smoothly for everyone involved.