Claims Process
Our clients are often overwhelmed when deciding if an insurance claim is their best option.  Questions such as, "do I have damage that qualifies" and "will a claim cause my premium to increase" are very common.  The answer is never clear, and anyone who pretends to know 100% is not telling you the truth.  The truth is that we can guide you in the right direction.  Our experience with the claims process gives us the ability to make an educated opinion.   We have been trained to identify the difference between hail damage and common roofing blisters, which are often confused.  We also use interactive hail maps with accurate data to identify which areas have been hit.  The "date of loss" is very important when filing a claim, so the maps are often used to help our clients when filing an insurance claim.  The Denver Metro area saw several hail storms last year.  Denver, Aurora, Lakewood, Arvada, Loveland, Centennial, Golden, and Stapleton are some of the areas that saw hail damage in 2015.  Most insurance policies allow their clients 1 year from the "date of loss" to file a claim.  Once the claim is filed, our job is to assist the adjuster with their findings.  We are always friendly, offering the adjusters a helping hand.  There is no way to right an estimate that is 100% accurate, but we attempt to get it right while meeting your adjuster.  Every claim does require a "supplement", which is handled by our staff.  During the job, we photo anything that was not includeded in the adjuster's original quote.  Common items are ice and water shield, multiple layers, re decking when code requires it, and permits if required by the local municipality.  Once the job is completed, we send off the necessary paper work to have the "depreciation" released to the property owner.  This is accomplished by submitting the insurance company with a letter of completion, so that they are aware that repairs have been done.  If there is a mortgage on the property, the carrier will often include them on the payments.  We will assist with the necessary paper work to have your mortgage company endorse and return the check to you promptly.  This process seems to overwhelm many of our clients, but we are always able to take the stress away and offer a helping hand.  The process is what we know best, so rest easy and trust that we will be by your side!