A roof claim is a lot to handle on your own. We document the damage, meet your adjuster, and walk the claim from the first inspection to the final invoice.
Storm claim on your mind? We'll inspect, document, and walk you through it.
Most claim trouble comes down to a few avoidable things. Knowing them is half the reason it helps to have someone in your corner.
A claim stands on evidence. Without clear photos of the damage, a carrier has little to approve — and it's easy to come up short.
Adjusters move fast and don't always get on every part of the roof. Real damage that isn't pointed out can go unrecorded.
An estimate that skips code-required items or part of the full scope leaves the repair — and your claim — incomplete.
Claims have timelines and paperwork. A missed step can slow things down or put the whole claim at risk.
Not sure it's claim-worthy? How to decide →None of this means the system is against you — it means the details matter. That's the part we take off your plate.
A strong claim starts with a thorough inspection. We get on the roof and go over it in detail — shingles, flashing, vents, gutters — and photograph every area of damage so there's a clear, organized record to build the claim on.
The goal is simple: nothing that should be in the claim gets left out. When the documentation is complete from the start, the whole process goes smoother.
Shingle lines get discontinued. Manufacturers retire colors, change blends, and stop producing profiles entirely — and a roof put on twelve years ago is quite likely wearing something nobody sells today.
It matters because a partial repair assumes there is something to repair it with. If your shingle has been discontinued, patching a damaged slope means putting a different shingle next to the old one — a different color, a different thickness, sometimes a different exposure. It doesn't blend, and on a roof that faces the street it doesn't blend conspicuously.
So we check. Part of every storm inspection is identifying what is actually on your roof — the manufacturer, the line, the color — and finding out whether it's still available. We photograph it, measure it, and put that on the record with everything else.
This is worth knowing before a claim gets settled as a small repair. When a damaged shingle can't be matched, the question of how far the repair has to extend — one slope, or the whole roof — is a real one, and it's your insurer's call. What we can do is make sure it was asked, and that the evidence for it is in the file, rather than discovered halfway through the work.
We write our estimates in Xactimate and Symbility — the same software carriers use to price roofing work. That means our numbers arrive in the format your adjuster already works in, line by line, so there's no translating between two different ways of counting, and nothing damaged gets quietly left off because it wasn't itemized.
We're roofers, not public adjusters, and Colorado law is specific about that distinction. We don't handle your claim for you. We document the roof properly and put it in front of your carrier in the form they use.
We've handled over 1,000 storm claims. This is where having APX in your corner matters most. You don't have to stand on the roof and make the case yourself — we do it with you.
When your insurance company sends an adjuster out, we're there — on the roof with them, not waiting in the driveway.
We go over every area of documented damage with the adjuster so the real, complete extent of it is on the record — not just what's easy to see.
We put the full, proper repair in writing — including the code-required items a quick pass can miss — so the approved scope reflects what your roof actually needs. And if hidden damage turns up mid-job, we file the supplement with your carrier instead of surprising you.
You'll know where the claim stands at each step. No guessing, no chasing — we handle the back-and-forth and keep you updated.
Every claim is different, but the general shape is usually the same. Once a claim is approved, the homeowner is typically responsible for their deductible, and the approved scope of work is covered by the claim. We handle the invoicing directly with your carrier, so the paperwork end of it isn't left on you.
What we won't do is guess at your specific numbers or make promises about what your carrier will approve. What we will do is help you understand how your particular claim breaks down, in plain language, so there are no surprises.
One thing we're clear about: every insurance policy is different, and as a roofing contractor we can't advise on your policy's terms — for details on your specific coverage, contact your insurance company. Our job is the roof and the claim: inspect, document, meet your adjuster, do the work, and invoice your carrier. We walk the details of your claim with you before any work begins.
"They went the extra mile to work with my insurance company to get things approved."
"They were really good to work through our insurance claim. Got our 2500 sq foot torn off and replaced in one day. I would highly recommend them."
We handle the roofing side of it. We document the damage with photos, help you file, meet your adjuster on-site to walk the full scope, and handle final invoicing with your carrier once the work is done.
A denial isn't always the end of it. Thorough documentation is what a claim stands on, so we make sure the damage is recorded clearly and completely. If something was missed, we can help you request a re-inspection with your carrier.
Yes, and it's one of the most useful things we do. We meet your adjuster on-site and walk the full scope of the damage with them so nothing gets overlooked.
Generally the homeowner is responsible for their deductible and insurance covers the approved scope of work. One thing Colorado law is clear on: a contractor may not pay, waive, or rebate your deductible — anyone who offers is inviting you into insurance fraud. Every policy is different, though, so we help you understand how your specific claim breaks down.
Read: How to vet any roofer (including us) →It varies by carrier and by claim. Clear, complete documentation up front tends to keep things moving. We keep you updated at each step so you're never wondering where the claim stands.
Read: What to do in the first 48 hours after hail →Grand Junction and the whole Western Slope — Fruita, Palisade, Clifton, Orchard Mesa, Fruitvale, Loma, Mack, and out to Montrose, Delta, Rifle, Parachute, Ridgway, Ouray, Hotchkiss, and Cimarron.
Worried about a roof claim? We'll get on the roof, document the damage, and walk the whole claim with you — so you're not facing the insurance company alone.
