Filing a Roof Insurance Claim? Read This Before You Lose Thousands!
Imagine waking up to a leaky roof after a brutal storm. You assume your insurance company will take care of it—after all, you’ve been paying premiums for years. But when you file a claim, you’re hit with delays, lowball payouts, or worse—denial.
Sound familiar? You’re not alone. Insurance companies are paying out less than ever, leaving homeowners frustrated, overwhelmed, and exposed to serious financial risk. And if you think waiving your deductible will save you money, think again—it’s illegal in Colorado and could land you in hot water.
If you’re navigating a roofing insurance claim, read on. The wrong move could cost you thousands, while the right strategy ensures you get the full protection you deserve.
The Insurance Industry’s Dirty Little Secret
For years, homeowners could file a claim, get an inspection, and receive a fair payout to fix their roof. Not anymore.
Today, insurance companies are cutting corners and denying more claims than ever. Even when they approve a claim, they often refuse to cover all the necessary materials and labor needed to bring your roof up to city code.
Here’s What They Won’t Tell You:
❌ They hope you accept the lowest possible payout without questioning it.
❌ They exclude critical items—ventilation, flashing, underlayment—leaving your home vulnerable.
❌ They drag out the process, hoping you’ll give up or settle for less.
If you don’t know what to look for—or have an expert fighting for you—you could be left with a roof that isn’t fully repaired, unsafe, or even non-compliant with building codes.
Waiving Your Deductible? That’s a One-Way Ticket to Legal Trouble
Homeowners often hear shady contractors say, “We’ll cover your deductible—no out-of-pocket cost to you!” Sounds great, right?
Wrong. It’s illegal in Colorado.
Colorado Law on Roofing Deductibles (CRS 6-22-105)
📌 Waiving, covering, or rebating an insurance deductible is against the law.
📌 If your insurance company finds out, they can deny your entire claim.
📌 Contractors who offer to do this are committing fraud—and you could be caught in the middle.
Hiring a contractor who cuts corners on paperwork is likely cutting corners on your roof too—which could lead to costly leaks, failed inspections, and more money out of your pocket down the road.
Why You Need a Storm Restoration Expert (Not Just a Roofer)
If you wouldn’t defend yourself in court without a lawyer, why would you fight an insurance claim without an expert?
Hiring an experienced storm restoration contractor isn’t just helpful—it’s essential. Here’s why:
1. They Know Insurance Tactics (and How to Beat Them)
A good storm restoration contractor understands how insurance companies operate and will make sure you don’t get shortchanged. They help document damages, fight for the necessary repairs, and ensure your payout covers everything you actually need.
2. They Ensure Your Roof Meets City Codes
Many insurance payouts don’t include everything needed to pass inspection. A restoration expert ensures your roof is built to last—not just patched up.
3. They Spot Hidden Damage Insurance Adjusters Miss
Insurance adjusters are trained to look for surface-level damage, but storm restoration contractors find the hidden issues that could cost you later.
4. They Get Repairs Done Right (and Fast)
Storm damage needs urgent attention. Experienced restoration contractors have the crews, materials, and processes in place to fix your roof quickly while maintaining high quality.
5. They Keep You Safe and Protect Your Investment
An improperly repaired roof is a ticking time bomb. Leaks, mold, structural issues—it’s not worth the risk. Hiring a storm restoration expert ensures your home stays protected for the long haul.
The Right Move: Protect Your Home, Your Wallet, and Your Future
💡 Here’s the bottom line:
- Don’t fight insurance alone—they count on you not knowing your rights.
- Never waive your deductible—it’s illegal and puts you at risk.
- Hire a storm restoration contractor—they’ll maximize your claim, ensure compliance, and protect your home.
Get Expert Help—Before It’s Too Late
If your roof has been damaged in a storm, don’t wait until insurance denies your claim or you get stuck with a subpar repair. At New Era Roofs & Solar, we specialize in storm restoration and insurance claims.
📞 Call us today for a FREE inspection—we’ll help you navigate the process and get the payout you deserve.
Your home deserves the best. Don’t settle for less.