Sample guidance, not legal advice
Roof insurance claims, step by step
We document damage the way adjusters evaluate it, meet them on your roof and keep the process clear from first call to final invoice.
How a roof claim usually goes
Timelines vary by insurer. This is a typical Colorado hail claim with Summit Peak helping along the way.
- Day 1
Free storm inspection
We inspect, mark test squares and tell you plainly whether damage looks claim-worthy.
- Day 1 to 3
You file the claim
Call your insurer or file online. Share our photo report if you like.
- Week 1 to 2
Adjuster inspection
An adjuster visits. We attend at no charge to walk the roof and point out damage.
- Week 2 to 4
Estimate and scope
Your insurer sends a scope of loss. We review it for missed items such as code-required drip edge.
- If needed
Supplement request
We submit documentation for missing items directly to the adjuster for review.
- Approved
Schedule your roof
You pay your deductible. We install, usually in one day, and send final photos.
- After install
Depreciation release
Many replacement cost policies release held-back funds once work is complete. We send the paperwork.
The adjuster meeting
Adjusters are busy after a big storm and may spend under an hour on your roof. Having a roofer present who has already documented every slope helps make sure nothing gets missed.
- Test squares chalked and photographed in advance
- Soft metal damage pointed out to confirm hail size
- Code items like ice and water shield and drip edge noted
- Respectful, factual and never pushy
We are roofers, not public adjusters or attorneys. We do not negotiate claims on your behalf, and Colorado law prohibits contractors from waiving deductibles.
Documentation checklist
Tick items off as you gather them. Your progress stays on this page only.
Claim questions
Straight answers on price, payments, storms and what install day looks like. Still wondering about something?
Only if the damage is real and exceeds your deductible. Our free storm inspection gives you a straight answer and photo evidence before you call your insurer.
Yes, at no charge. We walk the roof with the adjuster and share test-square documentation.
No. Waiving or covering deductibles is illegal in Colorado. We can offer monthly payments for your deductible amount (sample).
Start with a free storm inspection
Free 21-point inspection, a fixed written price and cash or monthly options side by side.
- No-obligation visit
- From $129/mo (sample)
- 4.9 average rating (sample)