Insurance claim general contracting in Colorado Springs.
When a storm claim touches more than one trade, somebody has to author the scope, sequence the work, and answer for the finished property. That is the general contracting role, and it is a different job from roofing. This page explains what the role actually covers, how it gets paid for on a claim, and where our authority stops.
What a general contractor does that a roofer does not.
A roofing contractor on a claim is responsible for a roof. They inspect it, scope it, install it, and warrant their own work. That is a complete and honest service, and on a roof-only loss it is all you need.
A general contractor is responsible for the property. The scope covers every trade the storm touched. The schedule sequences them so nobody undoes anybody else's work. Each crew's insurance is verified before they set foot on site. Money is held until work passes inspection. And when something is found mid-job — rot under shingles, wet sheathing behind cladding — it gets photographed, priced and supplemented before it disappears behind the new material.
It is a project management job more than a construction one, and it is worth understanding because it is what you are actually buying. On a single-trade loss you do not need it. On a claim that takes in the roof, the gutters and two elevations of siding, the absence of it is what turns a straightforward settlement into six months of phone calls.
The six things we carry on a claim.
These are the pieces that fall to somebody on every multi-trade claim. If you are not hiring a general contractor, each one is still work — it is just work you are doing.
Scope authorship across trades
One estimate in Xactimate covering everything the storm touched, written in the platform your adjuster already uses. Written by trade with proper line items rather than lump sums, so each component can be discussed on its own without reopening the whole claim.
Sequencing
Roof before gutters, roof before cladding, finish work last. Trades booked independently arrive in whatever order suits their calendars, and the wrong order means new gutters get dented by tear-off debris and paid for twice.
Subcontractor vetting
Every crew on the property carries its own insurance, and we confirm it before they start rather than after something goes wrong. Colorado does not license roofing contractors at state level, so proof of insurance and a track record are the checks that actually mean something here.
Supplement documentation
What is found once something is opened up gets photographed in place, priced and submitted while the evidence still exists. This is the highest-value part of the role and the one most often skipped, because it takes discipline at exactly the moment a crew wants to keep moving.
One contract, one warranty conversation
You sign with us, we contract the trades. If a section of siding fails in two years you call one number, and the question of which company is responsible is our problem to sort out rather than the beginning of your problem.
Completion documentation
A final walkthrough against the approved scope, line by line, with the completed work documented. If your policy settled on actual cash value with recoverable depreciation, that paperwork is what releases the remainder — so it is worth doing properly.
How the role gets paid for.
Overhead and profit, abbreviated to O&P on an estimate, is the line item that covers general contracting. It pays for the coordination, the supervision and the single point of responsibility. Carriers apply it where a repair needs a general contractor rather than one trade, and how many trades that takes is judged claim by claim.
Two things about it are worth knowing. It is a component of the insurance estimate, not a fee we add on top of your settlement, so on a covered claim it does not come out of your pocket. And it is a legitimate part of a multi-trade scope rather than something to be embarrassed about requesting. The work it pays for is real, and if a general contractor is not doing it, you are.
Where it does not belong, we do not claim it. A roof-only loss is a single-trade repair, and asking for general contracting on a job that needs one crew for three days is the kind of thing that makes adjusters distrust every other line on the estimate. Our scopes are more useful to you when the adjuster has no reason to argue with them.
You can general-contract your own claim.
It is a legitimate choice, and if you are organized, have time during business hours and are comfortable holding tradespeople to account, it can work well. What you take on is the list above: writing a scope that covers everything, booking each trade in the right order, checking insurance certificates, inspecting work before releasing money, and catching mid-job discoveries in time to supplement them.
The two places it most often comes apart are not the ones people expect. The first is sequencing. A gutter crew with availability next week and a roofing crew three weeks out is a very easy mistake to make and an expensive one to unmake. The second is the supplement window. Damage found after a wall is closed or a roof is finished is damage you will most likely be paying for yourself, because the evidence for it no longer exists.
If you would rather manage it yourself and just want the roof done properly, say so at the estimate. We will quote the roof, stay in our lane, and not spend the meeting trying to talk you into a bigger arrangement.
Where our authority ends.
We are not adjusters and we do not act as your representative with your insurer. Adjusting a claim on a policyholder's behalf is licensed work in Colorado, and a contractor is not licensed for it. Any company offering to handle your claim for you, negotiate coverage on your behalf, or make the insurance problem go away is describing something it is not entitled to do.
What we do instead is contractor work. Inspect the property and document what we find. Write a scope of repair in Xactimate and be able to defend every line in it. Meet the adjuster on site and walk the damage together. File supplements with evidence when the job uncovers something. Build what was approved and prove we built it. That is a lot of useful help, and none of it requires pretending to be something we are not.
For how a roof claim itself runs — first checks, depreciation, deductibles and the Colorado rules that apply to you — see our roof insurance claim assistance page. For the cladding portion of a claim and how it is staffed, see our siding claim work overview.
Talk Through Your Claim
Tell us what the storm did and where the claim has got to. We'll tell you honestly whether this needs a general contractor or just a roofer.
General Contracting Questions
You can, and some people should. What you take on is real, though: authoring a scope across several trades, hiring and sequencing each of them, verifying their insurance, holding money back until work is right, and documenting anything discovered mid-job so it can be supplemented before the wall or the deck is closed up. If a trade does poor work, the recourse is yours to pursue. It is a project management job, and it goes badly most often not on skill but on sequencing and paperwork.
No — and be careful with anyone who says otherwise. Adjusting a claim on a policyholder's behalf is a licensed activity in Colorado, and a contractor is not licensed to do it. What we can legitimately do is document damage, write and defend a scope of repair in Xactimate, meet the adjuster on site to walk the property, and file supplements with evidence when something is discovered mid-job. That is contractor work. Arguing coverage on your behalf is not.
A line item covering the cost of coordinating a multi-trade job: scheduling, supervision, and carrying responsibility for the whole result. Carriers apply it where a repair involves enough separate trades that a general contractor is warranted, and practice varies by carrier. It is not a markup a contractor adds on their own. It is a component of the estimate the carrier prices, and on a covered claim it does not come out of your pocket.
Our own crews do the roofing and the gutter work. On siding we act as the general contractor and bring in siding crews to perform the cladding under our supervision — we are a roofing company, not a siding company, and we would rather say that plainly. Every crew we bring onto a property carries its own insurance and its work is inspected by us before we call a job complete.
That is what a supplement is for, and it is one of the main reasons the GC role earns its keep. Rotten decking under shingles, wet sheathing behind cladding, damage that only appears once something is opened up — none of it is visible at the first inspection. We photograph it in place, price it, and submit it as a supplement before the work closes over it. Documented at the time, it is routine. Raised afterward, it is a fight.
It is our problem, not yours. That is the practical difference between hiring a general contractor and hiring three trades. You have one contract and one company answerable for the finished property, and if a crew leaves something wrong we get it put right. We carry insurance for the general contracting we do, and a crew is not signed off until its work passes our own walkthrough.
More than one trade in your claim?
We'll write one scope, sequence the trades, and be the one company answerable for the finished property.
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