Colorado Roofing Insurance Claim:

Colorado Roofing Insurance Claim Assistance

After a hail or wind storm A to Z helps put you in control of your roofing insurance claim in Denver.

Roofing insurance claims can be complicated and take up a lot of your precious time in dealing with other matters. We specialize in insurance claim assistance for residential property owners who have suffered storm related roof damages from hail, wind, and water.

Our Denver based insurance experts will meet with your insurance adjuster to discuss the damage to the roof. You want to make sure that you get an insurance settlement that is the correct amount to cover a roof replacement if needed, or prevent you from getting denied.

If your roof needs to be replaced, we will help get a full roof replacement with zero out-of-pocket expense other than your insurance deductible.

Our licensed roof inspectors are highly trained, thorough, and well respected by insurance companies in Denver. Our roofing crews have decades of experience and are trained to the highest standards in residential roofing.

Insurance Claim Process – Roof Damage

Below are steps you will need to take when filing an insurance claim for a damaged roof. Following these steps will make your roof replacement project and insurance claim go more smoothly.

1. Determine damage to roof

Always use a certified roof inspector to check your roof damage. You may not think there is damage, but a trained inspector can spot damage that you would not see.

2. Decide if you should file a claim

An on site inspection will provide you with information about whether you should file an insurance claim for a roof replacement or not. Before any claim is filed, have a certified roofing inspector assess the damage. We can be there with the insurance adjuster during the inspection, so we can help point out any damage.

3. Contact your insurance company

A to Z Roofing works with insurance companies everyday. To assist in preparing you before you contact your insurance, we prepare a storm damage repair estimate for the insurance company, using the same software program – Exactimate – that the majority of insurance carriers use.

This allows us to work with your adjuster to determine the extent of storm damage, and provides you with the opportunity to review the estimate. Insurance adjusters are on a hectic schedule, particularly after a storm, and can miss important elements about your roof that need to be solved. We will make sure your insurance claim is correct.

4. Analyze roofing options

No matter what the extent of the roof damage you experienced is, our experts can guide you to the right roofing solution. Whether it is a full roof replacement, or repair. All A to Z roofs are made of the highest quality material sand workmanship, and come with a 10 Year Workmanship Warranty.

5. Avoid insurance fraud

You should be aware of a very common form of insurance fraud homeowners experience when getting a roof replaced. It is a felony to intentionally deceive an insurance company by profiting from a claim. Many roofing companies will offer to cover your deductible, which is not legal.

If a roofing company offers to pay your deductible by discounting the cost of the work to be done, then the law states that you must inform your insurance company that you had the work done for a smaller amount, which reduces your claim benefit.

Most insurance carriers require copies of invoices from the roofing company once the project is completed. If they are provide with invoices that do match the numbers, then your claim settlement could be reduced to the invoice totals.

Some roofing companies will provide you with two invoices to circumvent the rules – one invoice for the total amount of the claim that you give to the insurance carrier, and another invoice with a discount. You should beware of taking this path, as it is considered fraud. Insurance companies are cracking down on these illegal transactions that are occurring.

6. Select a licensed, insured, reputable, and qualified roofing company

Make sure the roofing company you are considering is licensed, insured, has good references, and is highly qualified to perform the roofing work.

When an insurance carrier agrees to pay for storm damage roof replacement or repairs, you will receive an explanation of benefits with an estimate. Roof damage estimates in most cases accurate, but sometimes repairs will cost more than was determined in the benefits.

As an experienced residential roofing contractor, with your authorization, we will work directly with your insurance company to ensure that you receive the funds you deserve if repair costs are in excess of the estimate. We are experienced with the steps and documentation that is necessary to make this happen.

7. Paying the roofing company for the job

Your insurance company will send you an explanation of benefits that can be confusing to policy holders.

Most homeowners will receive a “first check” that is substantially below the amount required to perform the roofing replacement or repairs.

It is also common today that if you have a mortgage on your home, that your insurance check will be released in stages and only when the mortgage company can verify that you are working with a roofing company and when the roof is completed. We are experienced in providing the necessary documentation to financial institutions to ensure the funds flow smoothly, and for full release of funds.

When it comes to assisting you with your claim with the insurance company, you can be certain that we will be with you during the entire process. Let A to Z Roofing handle all of your insurance claim assistance needs.

Call the professionals at A to Z today about your insurance claim roofing project in Denver.


A to Z Roofing
Tel: 303-781-8185
Fax: 303-781-5875
Email Us
4251 S. Natches Ct. #K
Englewood, CO 80110


9am – 5pm Monday – Friday
Weekend and evening appointments available


A to Z Roofing provides residential and commercial roofing services in the Denver Colorado metro and Front Range areas. Including Arvada, Aurora, Boulder, Brighton, Broomfield, Centennial, Colorado Springs, Commerce City, Castle Rock, Castle Pines, Cherry Hills, Denver, Elizabeth, Englewood, Erie, Evergreen, Fort Collins, Glendale, Golden, Greeley, Greenwood Village, Highlands Ranch, Lakewood, Larkspur, Littleton, Lone Tree, Longmont, Louisville, Loveland, Morrison, Northglenn, Parker, Superior, Thornton, Westminster, Wheat Ridge, CO.