Insurance Claim Assistance in Denver, CO

Free roof inspection

We get on the roof and check the shingles, flashing, vents, gutters and other soft metals for hail hits, then tell you straight whether there is enough damage to file a claim. If there isn't, we say so.

Photo documentation

We photograph the damage on each slope and on the soft metals, with the measurements an adjuster looks for, so you and your insurer are looking at the same evidence. You file the claim with your insurance company. It is your claim, and Colorado law (C.R.S. § 10-4-120) lets you choose any repair business.

A written contract that follows Colorado law

Before any work, Colorado's roofing statute (C.R.S. § 6-22-103) requires a signed contract listing the scope, approximate cost and dates, our contact and insurance information, and your cancellation rights. You can cancel within 72 hours of signing, and within 72 hours of receiving a written denial of your claim in whole or in part (C.R.S. § 6-22-104). We can't pay, waive or rebate your deductible (C.R.S. § 6-22-105).

Meet the adjuster on the roof

With a signed contract in place, Colorado law lets your roofer discuss the scope of repairs with your insurance company on your behalf (C.R.S. § 6-22-105(3)). We walk the roof with your adjuster and point out each damaged area. We don't act as your public adjuster; the same statute prohibits it.

Supplements for missed items

If the insurer's estimate leaves out damage or materials the job needs, such as drip edge, starter strip, ridge cap or damaged gutters, we document them and submit a supplement request. Your insurer decides whether to approve it, and code-upgrade items depend on your policy's ordinance-or-law coverage.

Permit, build and closeout

We pull the City and County of Denver roofing permit, install the roof to the manufacturer's specifications, and send your insurer the final invoice and completion photos. Your insurer pays the approved scope minus your deductible. On a replacement-cost policy, withheld depreciation is usually released after the work is finished, so check your policy.

Look for a local roofer that works hail claims every season, has a permanent Colorado address and manufacturer certifications, will meet your adjuster on the roof, and gives you a written contract that follows C.R.S. § 6-22-103. Gates Enterprises in Lakewood does all of that. It holds four manufacturer certifications (GAF Master Elite, Owens Corning Preferred, Malarkey Emerald Premium, and CertainTeed ShingleMaster) and has a 4.9-star rating from 353 Google reviews. Call (720) 766-3377 for a free inspection.

Yes, once you have signed a contract with them. Colorado law (C.R.S. § 6-22-105(3)) lets a roofing contractor with a valid contract discuss the scope of repairs with your insurance company on your behalf, including meeting the adjuster on the roof. The same law bars a roofer from acting as a public adjuster. If you want someone to negotiate the claim itself for you, that is a licensed public adjuster (C.R.S. § 10-2-417) or an attorney.

It can, and it depends on your insurer. Each company sets its own rating and renewal rules, and a claim may be considered when your policy renews. If an insurer decides not to renew your policy, Colorado requires advance written notice with a specific reason. Ask your agent how your company treats weather claims before you file, and get a free inspection first so you are not filing on a roof without real storm damage. The Colorado Division of Insurance answers consumer questions at 303-894-7490.

No. Colorado law (C.R.S. § 10-4-120) says you may choose any repair business, requires your insurer to tell you so, and bars insurers from pressuring you toward a particular contractor.

No. C.R.S. § 6-22-105 prohibits a roofer paid from insurance proceeds from advertising or promising to pay, waive or rebate any part of your deductible. If a contractor does, your insurer does not have to consider that contractor's estimate, and you or your insurer can sue the contractor for the resulting damages. On a covered claim, your insurer pays the approved scope minus your deductible, and you pay the deductible.

Ask for the decision in writing with the specific reason. If you signed a roofing contract, Colorado law (C.R.S. § 6-22-104) generally lets you cancel it within 72 hours of receiving a written denial, in whole or in part; a narrow exception covers denied supplements for damage that could not have been foreseen. If damage was missed, your roofer can document it and submit a supplement or ask for a re-inspection. Beyond that, your options include a licensed public adjuster, an attorney, or a complaint to the Colorado Division of Insurance.