What insurance claim assistance involves
Storm damage claims live or die on paperwork. We inspect the rooftop, shoot drone photo packages, and build the scope of work in the same line-item format your carrier's software already reads, so nothing gets argued twice.
Claim documentation captures what actually failed: hail damage bruising the asphalt shingle, wind damage lifting the rake and verge, water wicking past a pipe boot into the attic. An adjuster prices the report in front of them, and an incomplete report is money you never see.
- Roof inspection with drone photo packages, tagged by plane, valley, and ridge so each slope prices on its own.
- Xactimate scope documentation covering underlayment, synthetic underlayment, ridge cap, pipe boot, and drip edge counts.
- ITEL shingle sampling when your architectural shingle or three-tab shingle is discontinued and a color match gets disputed.
- Proof of loss packets, supplement requests, and depreciation recovery when the approved estimate leaves decking or sheathing off the page.
Signs you need insurance claim assistance
Most claims we open in Denver start with something small: a stain on the ceiling, grit in the gutter, one shingle in the yard after a storm. Here is what we tell homeowners to check before they call anyone.
- Water seeping through insulation and staining drywall after a hailstorm with marble-sized hail.
- Granules from asphalt shingle collecting in the gutter, downspout, and at the base of the downspout elbow.
- Missing or bruised shingle at the rake and verge, where wind damage usually shows first.
- Hail dents on metal panel, ridge vent, snow guard, or vent boot.
- Ice dam buildup at the eave after a sudden temperature swing, with water backing under the ice-and-water shield.
- Decking that sags or feels spongy underfoot, which usually means rot in the plywood or OSB below.
Our insurance claim process, step by step
A storm claim moves in order, and skipping a step costs you later. We tarp first, document second, and negotiate the scope of work before a single roofing square gets ordered.
- Rapid response and tarping: we cover the open plane, fasten it with ring-shank nails or screws, and photograph the mitigation before the tarp goes down.
- Roof inspection: we walk the rooftop, check the soffit, fascia, and chimney, and scan the attic for moisture content and vapor barrier gaps.
- Claim documentation: drone photo packages, an itemized roof estimate, and a scope of work written for the adjuster meeting.
- Adjuster meeting: we meet the adjuster on the roof, point out bruising the carrier's first pass missed, and get those line items added.
- Supplement and depreciation: we file a supplement for anything found after the tear-off and recover the depreciation your policy coverage withheld.
Cost considerations in Denver
A replacement in the Denver area typically runs $450 to $700 per roofing square, and a square is 100 square feet of roof surface. Standing-seam panel, clay tile, and concrete tile sit higher, usually $900 to $1,400 per square. Your deductible is what you pay; the rest depends on how well the scope of work is written.
Low finished bids usually mean something was left off: three-tab shingle where architectural shingle was specified, no adhesive under the field course, no caulk at the counter-flashing. Those omissions turn into leaks at the first thaw.
- Pitch and access: a steep gambrel or mansard roof takes longer, and a ladder or scaffold setup adds labor hours.
- Layers: a tear-off costs more than an overlay or recover, but a recover buries rot you cannot see.
- Materials: asphalt shingle, wood shake or cedar shake, slate, clay tile, concrete tile, metal panel, and corrugated panel all price differently.
- Decking: plywood or OSB sheathing replaced when rot shows up after the tear-off, plus the fastener length the new substrate needs.
- Code: Denver building code may require ice-and-water shield at the eave and a ridge vent matched to current ventilation standards.
Warranty and insurance
Material warranties come from the manufacturer, and workmanship coverage comes from us. We register the material warranty in your name so it survives a future sale of the home.
Signs You Need Insurance Claim Assistance
Water Staining Appears After a Storm
Sudden brown rings on the ceiling mean water is already past the underlayment. A hailstorm with marble-sized hail can bruise shingle without tearing it, and the leak shows up indoors days later.
Granules Filling the Gutters
Intense UV radiation at Denver's altitude breaks down the asphalt binder and lets granules flake loose. When the gutter and downspout fill with grit after one season, the shingle is losing its first line of defense.
Shingle Missing at the Rake
Wind damage almost always shows at the rake and verge before it shows anywhere else. Once the sealant strip releases, the next gust peels whole courses off the eave.
Dents on Vents and Ridge Caps
Hail marks on a metal panel, ridge vent, snow guard, or vent boot are the proof an adjuster looks for. Those soft-metal strikes are what tie the damage to a specific storm date on the claim.
Ice Dams Along the Eave
Sudden temperature swings push meltwater down to a frozen eave, where it backs up under the shingle. Ice dam damage rarely leaves a visible hole, but it soaks the decking and rots the sheathing edge.
Soft Spots Underfoot
Decking that gives when you walk it usually means decay in the plywood or OSB below. That rot is a structural repair, not a cosmetic one, and it belongs in the scope of work.
What's Included
- ✓ 24-hour response with emergency tarping that stops water before it reaches your insulation
- ✓ Drone photo packages and a written damage report sized for your insurance claim file
- ✓ Adjuster meeting on the roof, with the line items your first estimate was missing added back
- ✓ ITEL shingle sampling and Xactimate scope documentation built in the carrier's own format
- ✓ Temporary board-up for a broken skylight, dormer, or vent boot penetration
- ✓ Follow-up permanent repair with a written estimate before the settlement check clears
- ✓ Final invoice and proof of loss paperwork so your withheld depreciation gets released
Related Services
Ready to get started? Call us today at 7207840657 for a free estimate.
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