5 Things Your Insurance Company Won't Tell You About Storm Damage Claims

Insurance companies are businesses — and their goal is to pay out as little as possible on every claim. After 15+ years handling Colorado storm damage claims, here are the five things adjusters won't volunteer that every homeowner needs to know.

1. The First Estimate Is Almost Never the Final Number

Initial adjuster estimates frequently miss 20–40% of actual damage. They may overlook secondary damage, code-required upgrades (ice & water shield, drip edge, ventilation), and proper R&R for items like gutters and skylights. A qualified contractor's supplemental claim is standard — not aggressive.

2. Your Policy Covers More Than the Adjuster Quotes

If you have Replacement Cost Value (RCV) coverage, you're entitled to the FULL cost of new materials and labor — not depreciated value. Most homeowners don't know they get a second 'recoverable depreciation' check after the work is completed.

3. You Have the Right to Choose Your Contractor

Insurance carriers may 'recommend' contractors from their preferred network — but those contractors work for the insurance company, not you. By law, you choose who repairs your home. Always pick a local contractor who will fight for the full scope your home needs.

4. Code Upgrades Are Often Covered

Colorado building codes have evolved. If your roof was built before 2003, current code requires upgrades like ice & water shield, synthetic underlayment, and improved ventilation. These are typically covered by 'Ordinance & Law' coverage in your policy — but you have to ask.

5. Documentation Wins Disputes

Adjusters can deny what isn't documented. Always: photograph damage from multiple angles, save weather reports for the storm date, keep receipts for emergency repairs, and have your contractor present during the adjuster's inspection.

How to Protect Yourself

Hire a contractor BEFORE filing your claim. We meet your adjuster on the roof, document everything, and ensure nothing is missed. Call (720) 314-6777 to start your storm damage claim the right way. Get your free inspection.