Roofing
Gutters
Interior and Exterior Painting



- Locally Owned - Service Minded - Quality Driven -
1175 S Huron St.
Denver, CO, 80223

Office: 303 437-4075
Sales: 303 525-6523
GM: 303 408-4864

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The Process


      If there is enough damage to call in the adjuster, the next step is to have the adjuster come out and determine the extent of the damage. It is important to have Colorado Home Renewal present for the adjuster’s inspection. Although we usually can’t alter the adjuster’s assessment or how the claim is written up, we can make sure that all damaged items are seen by the adjuster. Quite often we can get siding, doors, bar-b-que grills, trampolines and patio furniture covered simply by pointing them out and showing where they are damaged.

      Once the adjuster does his work, a settlement document is produced, and a check is generated. Some adjusters can print the settlement and check prior to leaving the property, others will forward the information to the insurance company and the check and settlement documentation will be mailed to the home owner.

      Once the initial settlement is received, our work begins in earnest. Sometimes settlements are straight forward and adequately cover the important points. If the initial settlement covers all the major items correctly, we can begin scheduling the work immediately. Sometimes, however, the settlement does not cover all the important components, and we must work out the details with the insurance company prior to beginning our work. There are almost always minor items left off that we know we will be able to get covered, but there are a few major items that may take much more time and effort. Solar panels are a very common example. Insurance companies typically pay from $500 to $2,000 to remove and replace solar panels. The true cost is typically $2,500 to $5,000; often the customer is obligated by a lease agreement to use a specific company for this, and often for an even higher price. We handle all the negotiation with the insurance company to ensure all necessary components are included in your claim.

      Once a final settlement is reached, or we are highly confident that an equitable settlement will be made, we begin the restoration process. Generally, the first order of business is to schedule non-roof components as some items like windows may have a six-week lead time. Once we have a handle on the other areas the next item to address is usually to replace the roof itself.

      Replacing the roof will involve stripping off the current roof and flashing, and installing new underlayment, ice and water barriers, flashing, adding attic vents if required, and installing the new roof itself. This process will usually take from one to three days depending on the size and complexity of the roof, as well as the weather. Normally within a few days of roof completion, gutters and downspouts will be replaced as needed.

      Once materials are delivered and the crew has arrived to begin their work, we will collect the initial settlement check sent by the insurance company and collect the deductible (unless other arrangements have been made). If the deductible is not collected up front, it will be collected once the roof itself has been completed.

      Normally all other items will then be addressed including paint, siding, windows, skylights, etc. Depending on factors such as a delay to remove solar panels, or a backlog with the roofing crew, some of the other items such as siding, and painting may be addressed first.

      Prior to your roof replacement, and sometimes for several weeks after the job is done, we will be negotiating with your insurance company to get everything covered by your insurance carrier. In advance of starting the job, we make sure the major pieces will be covered, but it is common for the initial settlement to not include things that may be required by code, such as ice and water barriers, new flashing, or multiple layers of underlayment. The initial settlement may also skip items that are common sense, but not an expense unless the roof is done, such as hauling off the debris from the old roof.

      Throughout the settlement process the insurance company may send you additional checks for the items they agreed to, however there is almost always a final check at the end of the process, even if it is only for the cost of the permit to do the job. You will almost always receive at least two checks, one at the beginning, and one at the end, but you may receive several more during the negotiation process.

      If the insurance company is sending out checks throughout the process, we may contact you to collect the incremental payments. Once the settlement process is complete and the final check has been sent, we will reach out to you to collect the remainder of the cost of the restoration work.


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