Insurance Claims Help FAQs

Should I Be Worried About My Premium Going Up?

A common fear — and often misunderstood.

Storm claims tied to regional events (hail, wind) are generally treated differently than repeated individual claims. One claim does not automatically equal cancellation or premium spikes.

What can hurt homeowners:

• Filing unnecessary claims

• Filing late

• Filing without proper documentation

• Repeated claims for maintenance issues

Good advice early can prevent long-term policy headaches.

What Role Does the Roofing Contractor Play During the Adjuster Inspection?

A good roofing contractor:

• Identifies damage the adjuster may not climb to see

• Explains construction methods and materials

• Helps ensure all roof components are considered

• Documents findings professionally

We don’t argue. We clarify. We don’t inflate. We document.

That’s how claims move forward cleanly.

Related service: https://erniesroofing.com/insurance-claim-roofing-denver/

What Happens If My Claim Is Denied?

A denial doesn’t always mean the end.

Common reasons for denial:

• Damage categorized as wear and tear

• Missed reporting deadlines

• Incomplete documentation

• Adjuster didn’t observe all damage areas

In some cases, supplemental documentation or re-inspection may be appropriate. In others, denial is valid. Knowing the difference saves time and stress.

How Long Does the Insurance Claim Process Usually Take?

It varies, but most roof claims follow this general timeline:

• Claim filed: 1–3 days

• Adjuster inspection: 1–2 weeks

• Estimate issued: days to weeks

• Repairs scheduled: weather-dependent

• Depreciation recovered after completion

Delays usually come from paperwork gaps, missed deadlines, or incomplete scopes — not the roofing work itself.

Can I Choose My Own Roofing Contractor?

Yes. Always.

You are not required to use:

• The insurance company’s “preferred” contractor

• A contractor suggested by the adjuster

• A door-to-door storm chaser

Your roof is your responsibility after the claim is paid. Choose someone who will still be here years from now.

We’ve been here since 1978. That still matters.

Insurance Claims Help – Frequently Asked Questions

Does filing a roof insurance claim cost money?

• No fee to file the claim

• Deductible applies if the claim is approved

• Inspection costs vary by contractor

What should I do immediately after a hail or wind storm?

• Visually inspect from the ground

• Document visible damage

• Schedule a professional roof inspection

• Avoid temporary repairs without documentation

Can I wait to file a claim?

• Most policies have reporting time limits

• Waiting can complicate damage verification

• Delays may reduce coverage eligibility

What is a roofing supplement in an insurance claim?

• Additional documentation for missed items

• Often submitted after initial estimate

• Common for code upgrades or hidden damage

Will insurance pay for upgraded roofing materials?

• Only if required by code

• Cosmetic upgrades are not covered

• Documentation is critical

Do I need multiple estimates for insurance?

• Not always required

• One detailed, professional estimate is usually sufficient

• Quality matters more than quantity

Can I handle the claim myself without a roofer?

• You can

• Most homeowners find it more stressful

• Missed details can reduce payout

What happens if the insurance estimate is too low?

• Documentation can be reviewed

• Supplements may be submitted

• Adjustments may be approved if justified

Helpful Insurance & Roofing Information (Plain Text Reference Links)

Colorado Division of Insurance
https://doi.colorado.gov

Understanding Your Homeowners Insurance Policy
https://www.iii.org/article/understanding-your-homeowners-insurance

Roofing Claims and Depreciation Explained
https://www.iii.org/article/replacement-cost-vs-actual-cash-value

Ernie’s Roofing – Insurance Claim Assistance
https://erniesroofing.com/insurance-claim-roofing-denver/

Final Word From a Denver Roofer Who’s Seen It All

Insurance claims aren’t about winning or losing. They’re about doing it right the first time.

Storms will keep coming. Policies will keep changing. What shouldn’t change is having a contractor who understands Denver homes, Denver weather, and Denver insurance realities.

If you need help, we’re here.
If you don’t, at least now you’re informed.

That alone puts you ahead of most homeowners.