Insurance claims assistance.
Honest answers first.
We'll tell you if your roof is worth claiming — even if the answer is no. No pressure, no storm-chaser tactics. Just a thorough inspection, an honest assessment, and help navigating the process if you decide to move forward.
Four ways we support your claim — without crossing the line.
Free Inspection
We inspect your entire roof and document all damage with photos and measurements. You get an honest assessment — not a sales pitch.
Xactimate Estimate
We create a comprehensive estimate using Xactimate — the same software your insurance carrier uses. This reduces discrepancies and speeds up the process.
Adjuster Meeting
We walk the roof with your adjuster to help identify damage that might have been overlooked. Collaborative, not adversarial — we provide information so the adjuster can make a complete assessment.
Supplement Filing
If we find additional damage during tear-off, we document it and file a supplement with your carrier. Supplements are a normal part of the process — many roofs require them.
Honesty is the whole point.
Not every roof needs a claim.
Cosmetic damage, normal wear, and minor issues often aren't worth filing. We'll tell you that upfront instead of pushing a claim you don't need.
We don't pressure you to file.
If the damage doesn't justify a claim, we'll say so. We'd rather earn your trust now than chase a commission on a claim that wastes everyone's time.
Xactimate keeps everyone honest.
We use the same estimating software your insurance carrier uses. This means fewer disputes, fewer surprises, and a more transparent process for everyone involved.
15+ years in Colorado Springs.
Storm chasers leave after hail season. We live here, we work here, and we'll still be here when you need us. That permanence is the best warranty we offer.
What to expect, step by step.
Free Inspection & Documentation
Day 1We inspect your entire roof and photograph all damage. You get an honest assessment of whether a claim is worthwhile.
Xactimate Estimate
Days 2-3We create a comprehensive estimate using Xactimate — the same software your insurance carrier uses — so there are fewer discrepancies.
You File the Claim
Day 3-5You contact your insurance company to open the claim. We walk you through exactly what to say and what to expect.
Adjuster Meeting
Week 1-2We meet the adjuster on-site and walk the roof together to help identify any damage that might have been overlooked.
Approval & Scheduling
Week 2-4Once approved, we schedule your installation at a time that works for you. We handle all material ordering and logistics.
Roof Installation
1-3 DaysOur crew completes the installation. If we discover additional hidden damage during tear-off, we document it and file a supplement.
Final Inspection & Warranty
CompletionWe do a final quality inspection, clean up the property, and provide you with all warranty documentation.
Your deductible is real. Let's talk about it.
Your deductible is a contractual obligation between you and your insurance company. It's real, it's yours to pay, and no legitimate contractor can waive it.
We'll help you understand exactly how your deductible fits into the total cost of the project. We walk you through the numbers — what insurance covers, what you pay — before you make any decisions.
Transparency about money is where trust starts. If a contractor isn't willing to have this conversation honestly, that should tell you something.
Bottom line: We'll explain what your deductible means, how it applies to your specific claim, and what your actual out-of-pocket responsibility will be. No surprises, no evasion.
Warning signs of a bad contractor.
After every major hailstorm, storm chasers flood Colorado Springs. Here's how to spot them before you sign anything.
Promises "no out of pocket cost"
Waiving your deductible is insurance fraud. Period. Any contractor who promises this is breaking the law.
Pressures you to sign before the adjuster visits
Legitimate contractors don't need to lock you in before you even know what insurance will cover.
No local address or permanent office
Storm chasers follow hail from state to state. If something goes wrong, they're long gone.
Won't provide proof of insurance or bonding
If they can't prove they're insured, you're liable for any injuries or damage on your property.
Asks you to sign over the insurance check directly
You should always maintain control of your insurance proceeds. A reputable contractor will work with you on payments.
Out-of-state plates in your driveway
Storm chasers follow the weather. They leave after the season — and take their warranty promises with them.
Get an honest assessment.
Schedule a free inspection. We'll tell you what we find and whether a claim makes sense — no pressure either way.
Insurance Claims FAQ
That's exactly what our free inspection determines. We document all damage with photos and measurements, then give you an honest assessment. Some roofs have cosmetic damage that isn't worth a claim. Others have damage that's hard to see from the ground but significant. We'll tell you either way — no pressure toward a claim you don't need.
Xactimate is the industry-standard estimating software used by most insurance carriers. When we create your estimate in Xactimate, we're speaking the same language as your insurance company. This means fewer discrepancies between our estimate and theirs, which typically leads to a smoother claims process with less back-and-forth.
Yes. We meet the adjuster on-site and walk the roof together to help identify damage that might have been overlooked. We point out hail impacts, wind damage, and other issues so the adjuster has complete information to make their assessment. This is a collaborative process — we're providing information, not arguing.
It happens. Adjusters inspect dozens of roofs per week and can overlook damage. During the on-site meeting, we help point out areas that may have been missed. If additional damage is discovered after the initial estimate — especially during tear-off — we file a supplement with your carrier documenting the newly found damage.
Yes. Your deductible is a contractual obligation between you and your insurance company. It is always your responsibility. Any contractor who offers to waive or cover your deductible is committing insurance fraud. We'll help you understand exactly how your deductible fits into the total cost so there are no surprises.
Typically 3 to 6 weeks from inspection to roof installation. The timeline breaks down roughly as: inspection and estimate (days 1-3), you file your claim and the adjuster schedules a visit (week 1-2), approval and scheduling (week 2-4), and installation (1-3 days depending on scope). Supplements can add time but are a normal part of the process.
A supplement is additional documentation filed with your insurance carrier when damage is discovered beyond the original estimate. This commonly happens during tear-off when the crew finds damaged decking, underlayment issues, or additional hail damage hidden beneath the surface. Supplements are a standard part of the claims process — many roofs require them.
Start with a free inspection. We'll tell you what we find — honestly.
No sales pitch, no pressure to file. Just a thorough inspection, honest damage assessment, and expert guidance if you decide to move forward with a claim.