Is the insurance denied full or partial?

We work directly with your insurance provider to ensure fast, stress-free roof repairs and replacements — fully compliant and professionally documented.

#1 in Colorado

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Experts in storm recovery , insurance claims , and hassle-free roof replacement.

#1 in North Carolina

Trusted. Certified. Proven.

Experts in storm recovery , insurance claims , and hassle-free roof replacement.

Expert Roof Insurance Claims Assistance

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Insurance Denied

Why Valid Claims are Denied

Inexperienced or overworked adjusters often rush inspections and miss crucial storm-related evidence.
Your damage was likely (and incorrectly) blamed on “normal wear and tear” or the age of your roof.
The insurer may have argued the damage was “cosmetic” or not severe enough to exceed your deductible.

Our Free Re-Inspection Process

We conduct our own thorough, forensic inspection to find the specific storm damage the adjuster missed.
We create a detailed report with high-resolution photos and documentation to build a powerful, evidence-based case.
We formally request a re-inspection and meet the new adjuster on-site to be your expert advocate.

Your No-Risk Second Opinion

This entire re-evaluation and consultation service is 100% free, with no obligation.
We are experts at differentiating storm damage from simple aging, and we know how to present this evidence to insurers.
You have nothing to lose and a full roof replacement to gain. Don’t accept a denial as the final word.

FREE CONSULTATION

Common Issues:

The Damage is “Only Cosmetic”Blamed on “Wear and Tear” or Age“Doesn’t Exceed” Your DeductibleThe Adjuster Missed Key Evidence

What’s under the surface?

This is one of the most common reasons for denial, especially after a hailstorm. The adjuster may claim the damage doesn’t affect the roof’s function, but “cosmetic” hail hits strip away protective granules, exposing the shingle to UV rays. This drastically shortens your roof’s lifespan and will inevitably lead to leaks. We know how to document this “functional damage” to prove your roof’s integrity has been compromised.

We build a case.

Insurers may attribute damage to the roof’s age rather than a specific storm. While every roof ages, our trained experts can easily distinguish between normal wear and the distinct, acute damage caused by hail impacts or wind lift. We provide clear photographic evidence to differentiate between gradual aging and recent storm damage, building a powerful case for your appeal.

A big picture look.

An initial estimate from an adjuster is often incomplete. They may overlook damage to vents, gutters, or fail to include costs for items required by Wheat Ridge and local building codes. Our comprehensive inspection and estimate includes everything needed for a full, code-compliant restoration. Very often, this complete and accurate scope of work easily exceeds the deductible amount.

We don’t overlook it.

After a major storm, insurance adjusters are overworked and may be from out of state, unfamiliar with Colorado’s specific conditions. A rushed or inexperienced inspection is a leading cause of wrongful denials. Our job is to perform a meticulous, forensic inspection of your entire property to uncover the evidence they missed, giving you the documentation needed to request a re-inspection and overturn the denial.

WE FIGHT FOR YOU

Process

After inspecting your home, we work with your insurance every step of the way to get your claim approved for the repairs your home needs. We have an excellent reputation with insurance companies and are often able to turn your insurance denial into approval.

Options

Repairing damage to your home can be the start of an amazing renovation. We can explore different roofing materials, colors, and solar systems to give you independence from the grid and cut your energy bill.

Financing

Our financing options make your repair or renovation flexible within your budget. Get the repairs you need, and the renovations you want.

Storm hit your area recently? Book your free inspection now — crews are in your area.

FAQ Section

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My insurance claim was denied. Is that the final decision, or do I have other options?

A denial is not always the end of the road. Insurers sometimes deny claims incorrectly, especially if the initial adjuster was inexperienced or rushed. Your best option is to get a second opinion from an expert. We can perform our own thorough inspection and, if we find legitimate storm damage that was missed, we can help you request a re-inspection with a different adjuster to appeal the decision.

Why would my claim be denied if I can clearly see damage on my roof?

An insurer might deny a claim for several reasons. They may argue the damage is “cosmetic,” attribute it to “wear and tear” or “improper installation,” or state that the cost of repairs doesn’t exceed your deductible. As roofing experts, we know how to accurately differentiate between old wear and fresh storm damage, and we can provide the detailed evidence needed to challenge an incorrect assessment and prove your case.

What is the process for challenging a denied claim, and what does it cost?

The process starts with our free, no-obligation inspection. We will meticulously document all evidence of storm damage with high-resolution photos and a detailed report. If we are confident you have a valid claim, we will help you formally request a re-inspection. We will then meet the new adjuster on-site to present our findings on your behalf. There is no cost for this service; we are confident that by proving the damage, we will earn your business for the replacement.

Warranty Options