Roof Insurance Claims Denver

Denials and underpayments typically trace back to one of a few common issues. The adjuster may have missed damage that takes a trained inspector to spot, especially on asphalt shingle roofs where hail bruising isn't visible from the ground. Measurements may be off, leaving square footage, layer counts, or pitch undercounted on the estimate. Code-required upgrades like ice and water shield, drip edge, or decking replacement may have been left out entirely. And in some cases, damage gets misattributed to "wear and tear" rather than the storm event, which can flip a covered claim into a denied one.

When we review the scope of loss against what your roof actually needs, we put together a supplemental package built around the documentation carriers expect. That typically includes HAAG-certified inspection reports with photo evidence of every impact mark, accurate measurements verified against manufacturer installation specs, line-item documentation of code-required upgrades with references to local building codes, and a written narrative explaining why the additional scope is warranted. We submit the supplemental directly to your adjuster, and if a re-inspection is needed, we attend on site to walk through the documentation in person.

The line items most often added back through supplementals include ice and water shield required by current code, drip edge along eaves and rakes, decking replacement where moisture intrusion has compromised the substrate, satellite or solar detach-and-reset labor, roof-to-wall flashing, and ridge cap shingles that were undercounted in the initial estimate. Individually these are small line items. Together they often add several thousand dollars of legitimate scope that the initial estimate left on the table.

Don't sign anything yet. If you've received a denial letter or an estimate that seems too low for the actual damage, call us before responding to your carrier. Most insurance policies have a defined appeal window, often 60 to 180 days from the claim decision, and acting inside that window keeps every option open. We'll do a free second-opinion inspection, compare the carrier's scope against our documented findings, and tell you honestly whether there's a supplemental case worth pursuing. If there isn't, we'll say so.