Roofing And Siding Insurance Claims Broomfield, CO:
Insurance Claims Can Be Easy

Insurance companies count on you not understanding storm damage. They hire adjusters trained to minimize payouts. They deny obvious damage and claim everything is “normal wear and tear” instead of covered storm damage. It’s a game where they hold all the cards unless you know how to play.

We’ve spent six years helping Broomfield homeowners navigate roofing and siding insurance claims after Broomfield hailstorms and wind damage. The difference between a denied claim and full approval usually comes down to documentation. And knowing what adjusters are trained to overlook.

What Insurance Companies Don’t Want You To Know

Most homeowners focus on roof shingles. But we inspect for storm damage insurance claims that can include gutters, downspouts, window screens, siding, fence sections, painted surfaces, and other exterior components damaged by hail or wind. We inspect everything potentially damaged. Insurance companies certainly won’t volunteer to pay for items you don’t claim.

Here’s the thing. Adjusters work fast and miss things on purpose. When a major hail storm hits Broomfield or Boulder County, adjusters process 1-15 claims a day. They’re not looking for every piece of damage. They’re looking for reasons to minimize payouts and close files quickly. We document what they intentionally overlook. When managing roofing and siding insurance claims Broomfield homeowners count on ATS.

The impact marks on your roof aren’t always obvious from the ground. Especially on architectural shingles. Adjusters know this. They’ll take a quick look, say they don’t see damage, and move on. We get on the roof with them. Point out every bruise in the granules, every cracked seal, and every compromised shingle that needs replacement under your policy.

The Documentation That Actually Works for Roof Damage Claims

Insurance claims need detailed damage reports that meet insurance company standards while actually showing the full extent of the problems. We photograph hail damage from multiple angles. Measure affected areas accurately using industry-standard methods. Document code upgrades required for proper repairs.

Most coverages bring old roofing systems up to current code when doing storm damage repairs. That’s thousands in extra coverage most homeowners never receive. Why don’t you get it? Contractors don’t know how to ask for it. When we’re replacing a roof damaged in a storm that hit areas around Flatiron Crossing or near Rocky Mountain Arsenal, we document required ventilation upgrades. Deck replacement and ice-and-water shield installation that brings everything up to current building code.

Properties in older Broomfield neighborhoods, homes we work in regularly built in the 90s and early 2000s around Anthem or near Interlocken, often lack adequate attic ventilation or proper underlayment. Storm damage claims provide the opportunity to fix these issues under your policy coverage. Instead of you paying out of pocket.

Why Insurance Adjusters Deny Valid Storm Damage Claims

Missing information is the most common denial reason. Adjusters know it. Submit incomplete documentation, and they deny your claim. Force you to resubmit. Then they deny again. Claiming “too much time has passed” or that the damage “wasn’t from the reported storm date.” We prevent these games by submitting complete hail damage claims the first time. We include every photo, every measurement, and every report needed for approval.

Underestimating damage is another tactic we see constantly. Adjusters use satellite measurements that undercount your roof square footage by 10-15%. They claim wind speeds didn’t meet policy thresholds despite obvious wind damage to your shingles and flashing. They ignore underlayment damage because it’s not visible from the ground until someone actually removes shingles to inspect. We counter every lowball tactic with industry-standard documentation they can’t dispute. While disputing roofing and siding insurance claims Broomfield homeowners can take advantage of ATS’s years of experience.

The “cosmetic damage only” excuse gets used constantly for siding claims. Adjusters look at your hail-damaged James Hardie or LP SmartSide siding and claim it’s just cosmetic. They say it’s not functional damage. That’s false. Impact damage compromises the protective coating on fiber cement and engineered wood siding. This leads to moisture infiltration and eventual failure. We document how hail impact affects long-term performance. We document the functional impact, not just appearance.

Why Experience With Insurance Companies Matters

Working with us means you’re not fighting alone against professionals trained to deny coverage. We meet with adjusters on-site. Point out damage they’re trained to overlook. Push back when initial estimates are ridiculous. We’ve worked with every major insurance carrier serving the Denver metro area. We know their tactics inside and out.

After major hail storms hit Aurora and areas around Cherry Creek State Park, we’ve had adjusters initially deny claims. Then we got them approved for full roof replacement after proper documentation and follow-up. The difference wasn’t the damage. It was knowing what documentation each carrier requires. What arguments actually work with their review process.

We also handle the depreciation recovery process that many contractors forget to mention until it’s too late. Here’s how it works. Insurance companies pay actual cash value (ACV) upfront. That’s replacement cost minus depreciation. After work is completed, you’re entitled to recover those depreciation amounts. But only if you submit proper completion documentation and follow up persistently. Depreciation recovery typically represents 20-40% of your total claim value. Makes a significant difference in what you actually receive.

What Makes Local Roofing Insurance Claims Actually Easy

Having someone who understands both roofing damage assessment and insurance policy language. We translate between the two. So adjusters can’t hide behind technical terms to deny your valid claims. We review your policy before filing. Identify all covered damage during initial roof inspections. Build storm damage claims that adjusters can’t deny without violating their own carrier guidelines.

The damage assessment process matters. We don’t just look at your roof from the driveway and guess. We get up there with a ladder. Check every slope. Inspect valleys and ridges where hail damage concentrates. Document everything according to insurance industry standards. When an adjuster shows up, they’re looking at documentation that meets or exceeds their own company’s requirements.

Properties across Broomfield, from older homes we work near Legacy Ridge to newer builds around Wildgrass, all qualify for the same coverage when storm damage occurs. The difference in claim outcomes comes down to documentation quality. And knowing what each insurance carrier actually needs to approve your claims.

The Real Cost of Going It Alone in the Front Range

Homeowners who file roofing insurance claims in Broomfield without experienced help lose thousands in valid coverage. They accept initial estimates without realizing adjusters lowballed the square footage. They don’t claim code upgrades they’re entitled to under policy coverage. They miss the depreciation recovery entirely because nobody explained the process to them.

We’ve taken over claims after other contractors gave up. Added proper documentation. Gotten approvals for homeowners who were initially told their damage “wasn’t covered.” The damage didn’t change. The documentation quality did. For documenting roofing and siding insurance claims Broomfield ATS’s systems and software are industry-leading.

Insurance companies in Westminster, Thornton, and across Adams County handle Colorado storm damage claims every year. They know which contractors actually understand the process. Which ones just guess. Adjusters treat your claims differently when they’re dealing with us. We know insurance policy language. Can back up every damage claim with proper evidence.

How the Insurance Claim Process Actually Works

Most homeowners don’t understand the timeline. Creates problems. Here’s how we handle it:

Step 1: Initial Inspection. We inspect your property for all storm damage, roof, siding, gutters, windows, everything potentially affected. This happens before you even file a claim. So we know what to document.

Step 2: Filing Your Claim. You contact your insurance company to report storm damage. They assign an adjuster and schedule an inspection. We coordinate to be present during that inspection.

Step 3: Adjuster Meeting. We meet the adjuster on-site. Walk the roof together. Point out all damage. Make sure nothing gets missed. This is where claims get won or lost.

Step 4: Estimate Review. The adjuster provides an initial estimate. We review it against our documentation. Identify discrepancies. Request supplements for missing items.

Step 5: Approval and Work. Once your claim is approved at the correct amount, we complete the work using quality materials. Owens Corning Duration shingles. LP SmartSide for siding replacement. Proper ventilation systems that meet current code.

Step 6: Depreciation Recovery. After work completion, we help you submit final documentation to recover depreciation amounts when applicable.

What We Actually Provide During Colorado Storm Damage Insurance Claims

We build documentation packages that include detailed roof inspection reports with measurements. High-resolution photos of all damage, hail impacts, wind damage, compromised areas. Material specifications matching your policy coverage. Code compliance documentation showing required upgrades. Scope of work that matches insurance industry standards. Supplement requests for items missed in initial estimates.

We also provide adjuster coordination so you don’t have to navigate insurance company bureaucracy alone. When areas like Erie or Firestone get hit by hail storms, insurance companies flood the area with adjusters. Adjusters who don’t know local contractors. Don’t care about getting you full coverage. We change that dynamic for you.

Why Broomfield Homeowners Choose Us for Roofing Insurance Claims

Six years of working in Broomfield and across the Front Range means we know which storms affected which areas. What damage patterns to expect. Which insurance companies serve this market. We’re not storm chasers from out of state who disappear after cashing checks. We’re local. We’re staying. Our reputation depends on getting your claims handled correctly.

Properties around The Orchard in Thornton. Older neighborhoods near Historic Old Town Arvada. Newer developments in Superior. All face different insurance claim challenges based on age, materials, and exposure. We’ve handled claims in every type of property. Know what documentation works for each situation.

The Bottom Line on Roofing Insurance Claims

Insurance claims are easy when you have experienced help. They’re nightmares when you’re navigating alone against professionals trained to minimize payouts. We’ve spent six years learning what works. What adjusters actually need. How to get full claim approval for storm-damaged roofs across Broomfield and the Front Range.

You already paid premiums for years. You deserve the coverage you purchased. Let’s make sure you actually get it.

We Serve Broomfield and the Front Range

We provide insurance claim assistance, roofing inspections, and storm damage repairs. We serve Broomfield, Aurora, Thornton, Westminster, Boulder County, Louisville, Lafayette, Erie, Superior, Arvada, Northglenn, Firestone, Frederick, and surrounding Front Range communities. When storm damage hits your property, we handle your insurance claim process. From initial inspection through final depreciation recovery. For roofing and siding insurance claims Broomfield and the whole Front Range can count on choose ATS!