What to Do When Your Insurance Company Will Not Total the Roof or Pay Enough for Replacement

What To Do When Your Insurance Company Will Not Total The Roof or Pay Enough For Replacement

It’s a situation no homeowner wants to find themselves in. Your roof has been damaged by a hailstorm, and you’re counting on your insurance company to cover the cost of repairs or replacement. But what do you do when your insurance company won’t total the roof or offers an amount that falls far short of what you need to get the job done?


When your insurance company won’t total the roof:

The first question we often encounter is when homeowners believe their roof is totaled due to hail damage, but their insurance company is reluctant to pay.

  1. The first step is to have a reputable company like Excel Roofing inspect your roof. They will determine if there’s enough damage to warrant a total roof replacement. This discussion sometimes seems to take on a life of its own, that it’s some mystical thing about whether the roof is totaled or not. It’s straightforward on an asphalt shingle roof. If there are 9 to 10 hail bruises per square the roof should be totaled.

  2. 2.If Excel Roofing confirms that your roof is totaled, the next step is to authorize them to meet with your insurance company’s adjuster. This meeting onsite will allow both parties to assess the damage and hopefully come to an agreement. Excel Roofing rarely tells a homeowner that their roof should be totaled if there is not clear and definitive damage. Almost every one of our insurance company meetings is successful because of this.

  3. If no resolution is reached with your insurance adjuster, it may be time to involve a public adjuster and go through the appraisal and arbitration process. Almost every insurance policy has a provision that if there is a settlement due to the homeowner, and the insurance company and homeowner do not come to an agreement then an appraisal and arbitration process is used to solve this situation. The homeowner is represented by the public adjuster and the insurance company is represented by their adjuster. Both sides choose a neutral arbitrator who will make a binding decision regarding the claim. The public adjuster normally receives 5-10% of the amount paid as payment for his services.


  4. If the arbitrator rules that the roof is not totaled, you’ll need to accept the offer from your insurance company. However, if the arbitrator rules in your favor, they will decide how much should be paid to cover the cost of the roof replacement. 
  7. This structured process can help you resolve disputes with your insurance company regarding the total loss of your roof. 

When your insurance company offers insufficient payment:

The second question that homeowners often face is when the insurance company agrees to total the roof but offers an insufficient amount for its replacement. Here’s how to address this situation:

      1. Excel Roofing has a high success rate with this issue because we utilize the same software that insurance adjusters use to determine the cost of repairs or replacement. Excel Roofing can provide a detailed diagram of your roof and an exact Xactimate insurance settlement report, along with their estimate, to the insurance adjuster. This often resolves the issue. 



     2. If the insurance company continues to offer a low settlement that does not cover the cost of your roof replacement, it’s time to bring in a public adjuster. They can negotiate on your behalf and, if necessary, initiate the appraisal and arbitration process to secure a fair settlement.

    Dealing with insurance companies when it comes to roof damage claims can be a complex and frustrating process. However, by following these steps, you can increase your chances of receiving a fair settlement. Whether your roof is not totaled, or the offered amount is insufficient, seeking professional help from roofing experts and public adjusters can make a significant difference in ensuring that your home remains well-protected. Remember, you have the right to a roof that is in good condition, and your insurance policy should help you achieve that goal.

    Navigating the Insurance Claims Process for Hail-Damaged Roofs

    Navigating the Insurance Claims Process for Hail-Damaged Roofs

    Navigating the Insurance Claims Process for Hail- Damaged Roofs

    Severe weather events can wreak havoc on homes, causing extensive damage that requires immediate attention and repair. One such weather event is hail, which can cause significant harm to roofs, leading homeowners to file insurance claims (with State Farm, for example) for necessary repairs. Understanding the insurance claims process can help homeowners navigate the intricacies and ensure a smooth restoration of their property. In this blog, we’ll walk you through the steps involved in the insurance claims process for a hail-damaged roof.

    Navigating the Insurance Claims Process for Hail-Damaged Roofs

    1. Weather Event Occurs

    The first step is to assess potential damage after the storm has passed. Call Excel Roofing In Denver, Colorado Springs, or Wyoming to schedule an inspection with a Project Manager.

    2. Inspection

    The Project Manager inspects the roof. There are three possible outcomes of the inspection.

    • No Damage: In some cases, the roof might have weathered the hailstorm without any significant damage. That may be because the hail was not big enough to cause any damage, or the homeowner has an impact-resistant roof.
    • Hail Damage: The roof may exhibit signs of damage caused by the hail, such as dents, cracks, granule loss, or broken shingles.
    • Unclaimable Damage: The roof may not have enough hail damage to file a claim, the damage is wear and tear, or the damage is old hail damage.

    3. Filing the Insurance Claim

    If hail damage is confirmed by the Project Manager, the homeowners can proceed to contact their insurance company and initiate the claims process. They’ll need to provide information about the extent of the damage and the inspection report, which may include photos.

    4. Adjuster Appointment

    After filing the claim, the insurance company assigns an adjuster to assess the damage. The Project Manager who originally inspected the roof will meet the adjuster at the property to discuss the findings.

    5. Adjuster Writes the Estimate

    The adjuster evaluates the damage and writes an estimate. This estimate is often created using industry-standard software, with about 80 percent of insurance companies using Xactimate and the other 20 percent using Symbility.

    6. Choosing a Contractor

    Following the estimation, the homeowner needs to send the insurance paperwork to their Project Manager, along with the adjuster’s estimate.

    7. Project Manager Review

    The Project Manager will review the insurance paperwork and adjuster’s estimate. There are two potential outcomes:

    • Adequate Insurance Bid: The insurance estimate is sufficient to cover the replacement cost, and work can commence accordingly.
    • Supplement Required: In some cases, the contractor might find that the insurance estimate is insufficient to cover the full roof and will need to submit a supplement to the insurance company.

    8. Submission of Supplement

    If a supplement is needed, the Project Manager submits the additional documentation, including updated estimates through Xactimate, relevant county codes, pictures, and other supporting materials.

    Roofing Contractor Inspecting a Roof for an Insurance Claim

    9. Supplement Approval

    The insurance company reviews the supplement request and either approves or denies it based on the provided documentation.

    10. Roof Replacement

    Once the estimates are approved, the Project Manager proceeds with the roof replacement as outlined in the estimate.

    11. Invoice Submission

    Upon completing the roof replacement, Excel will send an invoice to the insurance company detailing the work done and the associated costs.

    12. Depreciation Release

    After reviewing the invoice and ensuring the roof replacement meets the policy terms, the insurance company releases the depreciation amount.

    13. Receiving Payment

    With the depreciation released, the homeowner receives the final payment from the insurance company, and Excel collects the checks from the homeowner.

    What You Should Do If Your House Gets Hit with Hail

    Roof with Hail Damage

    What You Should Do If Your House Gets Hit With Hail

    Hail season in Colorado is here. It starts in late April and goes on until September or sometimes October. Hail can be damaging to your roof and other parts of the exterior of your home. Normally if the hail stones that fall are .5” or larger this is when you can expect your property to take a beating. In this blog post, we will discuss the necessary steps you should take if your house gets hit with hail, including when to file an insurance claim, how to identify hail damage, choosing the right contractor, mitigating leaks, and the benefits of impact-resistant shingles.

    When to file an insurance claim:

    After a hailstorm, it is crucial to assess the damage to your property before you contact your insurance company. Most people don’t love being on the roof, if this is you call Excel Roofing to have an expert assess the damage. One of our Project Managers will take a look at the possible damage and give you an honest assessment on if you have enough damage to file an insurance claim. Insurance policies have specific time limits for filing claims after a hail event, so it is essential to act promptly to ensure coverage.

    How to tell if your roof has been damaged by hail:

    Determining if your roof has sustained hail damage requires a thorough inspection done by someone with trained eyes. Some signs to look for include:

    • Bruised shingles
    • Dents or divots in shingles
    • Missing granules in circular form
    • Cracked or split shingles
    Roof with Hail Damage

    Choosing the correct contractor:

    Use a local contractor with an established track record. A company’s track record is the best indicator of how they are going to perform.

    Make sure you get a written bid specifying the materials and costs of the job. This should include all your expectations of the work to be performed.

    Read the fine print and do not sign a contract with a cancellation fee. The only reason a cancellation fee is included is to hold you hostage in case you want out of the deal.

    Your contactor needs to have liability and workman’s comp insurance. This will protect you if they damage your property or if one of the workers gets hurt.

    Make sure your contractor pulls a building permit and has the work inspected.

    Most importantly, never pay a contractor any money until the job is finished. Don’t pay for material up front. If things go wrong with the job, you will have all the money to pay someone to fix it. This is the best protection a consumer can have.

    If you end up signing a bad contract and want to get out of it. Read our “How to Get Out of a Bad Contract” blog for more information.  https://www.excelroofing.com/how-to-get-out-of-a-bad-contract/

    Breaking Contract

    Best way to mitigate an active leak:

    If your roof develops a leak after a hailstorm, taking immediate action is crucial to minimize further damage.

    • Place a bucket under the leak to collect the water and help prevent it from damaging your interior.
    • If you see a bubble in your drywall, poke it with a pencil to drain the water out to prevent it from collapsing.
    • Contact a professional roofing contractor to assess and repair the damage promptly.

    Deductibles are changing, so file a claim now:

    Insurance deductibles for hail damage can vary, but it’s worth noting that in recent years many policies have transitioned to a percentage-based deductible, typically around 1% of the insured value of your home. This change means that the deductible amount will increase as the value of your home does. If you’ve been hit by a hailstorm and have significant damage, it is wise to file a claim sooner rather than later to take advantage of the current deductible structure.

    Impact Resistant Shingles:

    To better protect your home from hail damage in the future, Excel Roofing strongly considers installing impact resistant shingles. These are specially designed shingles that are made to withstand hail impact and are often rated for their resistance to specific sizes of hailstones. Impact resistant shingles can reduce the risk of damage during severe weather events, providing greater peace of mind and lowering your insurance premiums.

    Every type of shingle goes through a testing process to receive a rating. Underwriters Laboratories (UL) is a non-profit independent testing organization that provides the knowledge and expertise to help consumers make informed decisions on the best products.

    UL developed a test called the UL 2218 Impact Rating to rate the strength of roofing materials. The test uses steel balls ranging from 1.25 inches to 2 inches in diameter that are dropped from various heights.

    To meet the acceptance criteria of UL 2218, the roofing material, back surface, and interior layers must show no evidence or tearing, fracturing, cracking, splitting, rupture, or other evidence of opening of the roof covering layer. Based on how the roofing material performs, it will be classified as Class 1, 2, 3, or 4.

    Impact Hail Testing

    Class 4 is earned if the sample does not crack when hit twice in the same place by a 2-inch diameter steel ball. Products that receive a Class 4 rating are the most resistant to hail damage.

    Excel Roofing suggests Owens Corning TruDefinition Duration Storm or Flex. These shingles come in a variety of colors. Duration Storm uses an extra backing called a scrim to achieve its rating, and Duration Flex is made with a blend of SBS polymer modified asphalt. This rubber-like material allows the shingle to be more pliable and flexible, making the shingles hail resistant. Both of these asphalt shingles are Class 4 and qualify for an insurance discount with the provided certificate. Talk to your insurance agent about the discounts they might offer. Excel Roofing always provides the Class 4 Roof Certificate if the roof qualifies.






    Insurance Discounts With Impact Resistant Roofing

    class 4 impact resistant roof homeowners insurance discount

    How does your roof affect your insurance premiums? You probably never think about your roof, but your insurance company certainly does.

    For many, home insurance may seem like just another expensive box to check to satisfy your mortgage lender. 

    Did you know that the average annual cost of home insurance in Colorado is $1,813? So why aren’t more homebuyers taking this protection against the unexpected more seriously?

    class 4 impact resistant roof homeowners insurance discount

    In the last 10 years, hailstorms have caused more than $3 billion in property damage in Colorado and Wyoming, mainly to roofs. As a result, 30% of a home’s insurance cost is reserved for a new roof.

    As a result of the huge losses, insurance companies are demanding more and more impact-resistant roofing materials on the market. To incentivize consumers, some insurers are offering discounts of up 25% on a homeowner’s insurance premium with impact resistant roofing.

    “Insurance companies love to see their policy holders install hail-resistant roofing, “said Jackie Lanier, insurance consultant. “It saves money for the homeowner and it also keeps insurance premiums manageable – it is a win-win proposition.

    As a responsible homeowner, knowing your options and doing your research can benefit you in the long-term. Don’t choose your home insurance blindly and spend some time to review resources such as this homeowners insurance article from money.com on the best companies for homeowner insurance, which also explains why they are ranked in that specific order.

    How Long Have Impact Resistant Roofing Materials Given Insurance Discounts?

    In 1998, Texas was the first state to make it mandatory for insurance companies to offer discounts to homeowners with hail-resistant roofing. A homeowner with the lowest resistant rated roof (Class 1) in a part of the state with the least hail would only get a 1% discount. But for a homeowner using Class 4 materials in that portion of the state that regularly gets pelted with hail at least 6 times a year, the discount was a whopping 35% annually.

    While it has yet to become mandatory in other states, a number of insurers including State Farm have voluntarily decided to offer insurance discounts in other states like Colorado and Wyoming where hail and high winds tend to be a problem.

    If you’re planning to get new asphalt shingles and you live in a high-wind zone, ask the installer to use six nails per shingle (Excel Roofing always does this). You may get a discount by using six nails per shingle instead of four, which increases the wind-resistance rating of your roof. Make sure to check with your agent about any discounts before signing a roofing contract.

    Impact-resistant roofing materials are tested and given a rating of Class 1 to 4, with Class 4 being the highest rating. The test, called UL 2218, was developed for the purpose of testing roofing materials. Most Class 4 roofing material also has a limited lifetime warranty to cover manufacturer’s defects. When Excel Roofing installs a hail-resistant roof, we always provide the necessary documentation to the homeowner so they may qualify for the discount. If you need a free roof inspection or have any questions about hail-resistant roofing, contact Excel Roofing!

    Tips To Make Sure Your Roof Deck Is Up To Code

    roof decking

    Keeping Your Decking “Up To Code” Coverage

    Recently one of our project managers was called out to a property to provide a roof estimate and answer some questions for a homeowner. He inspected the roof decking and spoke with the homeowner, and he came back to the office with this story.

    Preface:  Before plywood was used for roof decking, 1×6 wood planks were used, usually leaving a gap (1/8 to 3 inches) between the planks.

    Redecking a roof is costly and adds thousands of dollars to a roof estimate.

    Background: This home was built in 1895 and had spaced plank decking.

    The customer had her roof replaced about 10 years ago and instead of re-decking the roof, the contractor filled the gaps between wood planks with 2x2s leaving a ¼ inch of space.

    This is strongly against the manufacturer’s installation specifications and violates code.

    roof decking violation

    Story:  Last summer, a huge hail storm hit her neighborhood. She knew that her roof was totaled, and that she would also have to redeck the roof.  So the homeowner contacted her insurance company to file a claim and get her roof replaced. Later she found out some bad news.

    As it turns out, the homeowner didn’t have Code Upgrade Coverage on her home insurance policy. Code Upgrade means that in the event of an insurance claim, the physical structure of the home will be replaced according to current code. With Code Upgrade Coverage, these costs are included as part of the settlement money.  No Code Upgrade Coverage = No insurance money to redeck the roof.

    Unfortunately, this homeowner will have to pay thousands of dollars out of pocket for redecking.

    Conclusion: Every homeowner should make sure they have Code Upgrade Coverage.  It costs almost nothing (1-2% of the total policy) and can end up saving you thousands of dollars in an insurance settlement.

    Call your insurance agent today to make sure you have Code Upgrade Coverage! And call Excel Roofing for any questions about redecking or any of your roofing needs.


    Most insurance companies subscribe to a service called CLUE (Comprehensive Loss Underwriting Exchange) generated by LexisNexis.

    CLUE is a claims history database that enables insurance companies to access historical consumer claims information.  This national database clearinghouse not only tracks claims made by individuals, but also tracks claims made for a specific property, giving you a report similar to a credit score.


    The claims you file, including roof inspections that you request from insurance companies (even the ones that don’t result in a paid claim) will most likely be part of your CLUE report.  At renewal time, your current insurer will review your claims history as well as your current CLUE report to set your premiums, and may cancel you if you have a bad report like having too many claims. If you decide to shop for new insurance, the other companies have access to your claims history through your CLUE report.

    Your claim history follows you just like a credit score.

    So even if you buy a new house and move, your past claim history follows you.  Information is also tracked about specific properties.

    If a property is identified as having hail damage from the storm 5 years ago (yes, storm history is also tracked), and then a new claim is later filed for the damage, your insurance company will know the property claim history and if fraud is being attempted.

    Because filing a claim (requesting a roof inspection from your insurance company triggers a claim) will adversely affect your report, you shouldn’t call your insurance company unless you’re sure they will pay you a claim.  The Door-Knockers are always going to tell you to call your insurance company, guaranteed.

    The best advice is to call a reputable roofing company, like Excel Roofing and have them do an honest inspection of your roof before you call your insurance company.

    If you’re interested in having Excel Roofing come inspect your roof, contact us today!

    3 Steps For Getting Out Of A Bad Roofing Contract

    ripping a bad contract

    Read More About Dishonest Roofers

    The aftermath of a hailstorm doesn’t always end when the clouds break.

    ripping a contract

    Over the years, we have had a lot of experience talking with many homeowners who signed roofing contracts, but quickly regretted their hasty decision.

    The reason for the buyer’s remorse is because after further research, the buyer discovers that the company they’re working with now sounds like a bad decision.

    The contract with the “bad company” almost always contains a 15% to 20% cancellation fee and requires that the contract be cancelled within 72 hours in order to avoid the fee.


    According to Colorado law, any roofing contract signed at a consumer’s home may be cancelled within 72 hours without any cancellation fee. This 72-hour right of rescission is supposed to be listed on every roofing contract; often times it’s not. If the homeowner is within the 72 hours, they should immediately send a cancellation letter and email to the roofing company. They should also contact the company by phone to let them know they’re canceling the contract.

    According to Colorado law, there’s a number of other reasons that a consumer can cancel a roofing contract without paying cancellation fees. Click here to read more about the Colorado Roofing Law SB-12-038.


    The ability of a homeowner to get out of a contract after the 72-hour right of rescission period, without paying a cancellation fee, is determined by another external factor: whether or not the consumer paid the roofer money up front.  If money has been paid up front, the homeowner is most likely stuck in the contract and unfortunately does not have very many options. On the other hand, if no money has been paid up front, we have some good advice about how the homeowner can get out of the bad contract.


    1. The consumer should call the roofing company and ask to speak to the owner or manager and nicely tell them they have changed their minds and would like to cancel the deal without paying a cancellation fee. If the company agrees, put it in writing and the homeowner is out of the deal.
    2. If the contractor refuses to cancel the deal, the homeowner should advise the contractor that they are going to hire an independent roof inspector. This inspector will inspect each and every detail of the roofing job. Then advise the contractor that they are going to be looking for perfection. Anything done wrong will be redone, and the contractor will have the independent inspector’s fee taken out of their pay.
    3. Finally, the homeowner should advise the contractor that after a very long and painful process to get every single detail right, the homeowner will take forever to pay.


    Either download the letter as a PDF, or copy and paste the letter into an email. Next, make your personal adjustments. Lastly, send it off to your current contractor.

     John Smith
    12345 Main Street, Springfield Co 81073  303-123-4567
    DATE:	9/30/2020
    RE:	Roof Contract Cancellation
    Dear Roofing Contractor,
    I hereby notify you that I’m cancelling the contract we engaged in.  After further consideration I’ve realized that I do not want you working on my property.
    I have also become aware of Colorado SB12-038, the Residential Roofing Consumer Bill of Rights.  According to this Colorado Statute the contract you presented me to sign is in violation of the law and therefore invalid.  Some of the specific items required by law that you failed to put in the contract are:
    1.	 The scope of work and material to be used for the new roof
    2.	The cost to do the roofing job and approximate dates of when the roof will be installed
    3.	Your address, phone number, and insurance company information must be listed on the contract
    4.	My right to cancel the contract within 72 hours must be written on the contract
    5.	Notice that the contractor cannot pay, waive, or in any other way cover the consumer’s deductible if the roofing job is being paid from an insurance claim
    6.	Notice to the consumer that any money paid in advance will be held in a special trust account until the material is purchased
    7.	Notice to the consumer that if any part of the insurance claim is rescinded in whole or part by the insurance company that the consumer will have another 72-hour right of rescission to cancel the contract
    I will also advise you that if you try to force me to use your services, I’m going to be the pickiest most difficult customer you have ever had.  I will hire an Independent Roof Inspector to inspect the job in progress, and that they will be looking for perfection.  If the Independent Roof inspector finds anything wrong, you will have fix any problems and will have the Fee for the Independent Roof Inspector taken out of your pay.  I will also be in touch with the City Inspector, and make sure they do not pass the roof if anything is found wrong by my Independent Inspector.
    Finally, after I make this long painful process for you, I’m going to take forever to pay.
    I look forward to your confirmation of the cancellation of this deal.
     John Smith
    1234 Main Street
    Springfield, CO  81073

    Normally at this point even a bad contractor will know when to cut his losses, cancel the deal, and move on to easier targets. 

    Obviously the best way to avoid this difficult situation is to use a reputable contractor that does not play any of these games.  If a homeowner uses a company like Excel Roofing, they will never experience any of these problems.

    Excel lets customers out of the deal at any time and never charges cancellation fees. We do ask that the homeowner pay for the permit and any restock fees on materials.

    Most importantly, we never ask for any money up front. With Excel Roofing, You Don’t Pay a Cent Until You Are Content!

    The Best Time Of Year For Roofing

    roofing in fall

    The Best Time of Year For Roofing

    Fall is the best time of year for roofing, roof replacement, or any type of roof repair.

    Cooler days and less rain are the ideal conditions to replace a roof.  Working on top of a home where there is no shade is much more comfortable in fall. The dryer days make it easier to schedule jobs and keep projects running smoothly and on time.

    roofing in fall

    Fall is also the busiest time of year for roofing.  Homeowners that need a new roof will want one before winter sets in. Others may have an old insurance claim with a chance of losing depreciation on the claim. Or perhaps the homeowner simply put off the roofing for the better part of the year. All these factors add up to roofing’s busy season.  

    Chances are any good roofer is going to have a backlog at this time of year.  That’s normal. In fact if a roofer says he can get to the job right away, this is a red flag. Because all the good roofers have a wait list, your job may be done after the frost has arrived.

    What About Roofing In Spring?

    If your home was damaged by late-summer hailstorms, unless there is immediate damage such as a leak, hole, exposed decking, etc, you may be better off waiting until the spring.  This is due to roofers busyness in the fall, and the challenge of roofing during winter. An asphalt roof that has been damaged, but not severe enough to cause immediate problems, will hold up until the warm weather returns.  The damage to an asphalt roof becomes more apparent as time goes by.

    Waiting until spring will allow the roofer to see any other potential problems your roof may have.

    If you have a damaged shake roof, however, you should start the claims process as soon as possible.  The marks and split wood on freshly damaged shakes will age in a month or so, and hail damage will be harder to see and prove.  You can still wait on the roof replacement as the roof will hold up through the winter, but you will want to start the claims process right away.

    Take your time to select the right contractor, and remember these three steps:

    • Get all roofing details and promises in writing
    • Don’t ever sign a contractor with a cancellation fee
    • Most importantly, never give a contractor any money up front

    Contact Excel Roofing Today!  Excel Roofing has been in business for over 24 years, we know how to work all year long.

    Understanding The Colorado Roofing Laws

    colorado roofing association member

    Understanding the Colorado Roofing Laws

    How Do Colorado Roofing Laws Affect You?

    SENATE BILL 12-038

    The Consumer Protection/Residential Roofing Act, Colorado Senate Bill 38 (SB38), was signed into law on June 6th, 2012.  For many years, the Colorado Roofing Association (CRA) has tried to get Colorado legislature to pass state licensing for all roofers.

    State licensing was believed to protect consumers during large hail storms. 

    There was fierce opposition to state licensing, mainly from home builder associations, who feared that this would cause the cost of roofing to increase dramatically.

    Fortunately, the Colorado Senate was able to pass a different type of legislation which specifically addressed the problems of residential roofing during hail storms that the home builder associations did not oppose.

    To date, we do not know if anyone has ever been prosecuted for violating these laws.

    However, the practical reality is that the consumer rights granted by this legislation can help customers in a number of ways; for example, if a consumer is in a bad contract or has had a roofing job done and needs to sue the contractor because of bad work.


    1. The scope of work and material to be used for the new roof
    2. The cost to do the roofing job and approximate dates of when the roof will be installed
    3. The roofing contractor’s address, phone number, and insurance company information
    4. The consumer’s right to cancel the contract within 72 hours and what the contractor’s cancellation fee will be if the contract is cancelled after the 72-hour right of rescission
    5. Notice that the contractor cannot pay, waive, or in any other way cover the consumer’s deductible if the roofing job is being paid from an insurance claim
    6. Notice to the consumer that any money paid in advance will be held in a special trust account until the material is purchased
    7. Notice to the consumer that if any part of the insurance claim is rescinded in whole or part that the consumer will have another 72-hour right of rescission to cancel the contract

    The Colorado Roofing Law:

    Prohibits a roofing contractor from paying, waiving or rebating an insurance deductible for a property owner.

    Requires a contractor to return any payment or deposit made by the
    property owner in conjunction with the contract for roofing work within 10
    days after rescission of a contract.

    States that if a roofing contractor promises to pay, waive or rebate a
    homeowner’s deductible, the insurance carrier for the property owner is not
    obligated to consider the estimate of costs for the roofing work prepared by
    that contractor.


    Usually the problem is that the consumer has paid the contractor money up front.  There is a provision in SB38 that addresses this, which states that if a consumer has paid money up front and they cancel the contract, the contractor is obligated to refund the money within 10 days. However, trying to get a contractor to refund money can be extremely difficult. The reality is that the consumer will have more luck canceling a contract if they have not paid any money up front.


    One especially helpful provision of SB38 that can be extremely useful to consumers canceling a contract is that if an insurance company revises the settlement, it restarts the 72-hour right of rescission. This means that if the consumer is able to get his insurance company to revise the insurance settlement downward by any amount of money, it gives the consumer the right to cancel the roofing contract.


    1. Make sure that the type of roof and the total cost is clearly stated on the contract.
    2. Never sign a contract that has any type of cancellation fee.
    3. Never pay any money until the job is complete and you are happy.

    Filing an Insurance Claim for Your Roof

    filing an insurance claim

    How To File A Roof Insurance Claim

    Hail season in this region seems to get more brutal and unrelenting each year. As the stones get bigger and wind blows stronger, there’s one we know for sure: Mother Nature is indifferent to our concerns and possessions.

    If she unleashes her wrath upon your property and you weather a storm that gave your roof a beating, what do you do?

    First, have your roof inspected by a trusted company. 

    Pro Tip: It’s never a good idea to let a roofer who knocks on your door following a storm inspect your roof. They’re opportunistic, and often, fraudulent—they always “find” damage.

    If damage is detected (by a trusted and reputable roofer) it’s time to file a roof insurance claim. 

    The trusted roofer you called will come out to your home and inspect the roof.  If it’s hail damage, he or she will start circling the hail bruises with chalk.   After the inspection, the experienced roofer will advise you to file a claim or not.

    Roof Inspection Tips:

    • Do some research on local roofers
    • Call and make an appointment for a roof inspection
    • Be at home to meet the roofing contractor
    • Explain what happened during the hail storm, show the roofer your videos and/or photos if you took any
    • Go outside and observe the roofers conducting the inspection
    • Listen and watch for any signs of hammering or scraping, which could be a fraudulent attempt to mimic hail damage
    • Request that the roofer outline the hail damaged areas in chalk and take photos (if there are 10 bruises in any 100 square foot section, the roof is totaled)
    • Remember this is only an inspection—just gather information, and do not sign anything 

    Filing an Insurance Claim For Roof Hail Damage

    If the inspection confirms roof damage then, and only then, should you call your insurance company. If you call your insurance company first and the inspection reveals no damage or not enough damage, you still get a claim on your insurance record.

    Roof Insurance Claim Tips

    • Locate your homeowner’s insurance policy
    • Make a note of your insurance policy number and deductible
    • Organize your facts and records: policy number, date/time of loss, hail size (if known), photos, videos, damaged items
    • Call your homeowner’s insurance claim number and provide the requested information
    • You will be given a claim number by your insurer

    After your insurance company has been notified of the sustained roof damage, The claim examiner will assign a claims adjuster to make an official roof inspection and prepare a repair estimate.

    This estimate will have a few key areas: your deductible, replacement cash value, depreciation and actual cash value.

    If the insurance claim isn’t handled properly, the claim could be denied, costing you thousands of dollars for a new roof. The insurance company is only obligated to pay for a new roof when significant damage is present. 

    Don’t Pay A Cent Until You’re Content 

    Excel Roofing knows this process and has a proven track record of working with insurance companies to get your claim settled and roof replaced. We make the process simple and stress-free and will always be on your side to honor all warranties.

    We Offer Financing

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    We Offer Financing

    Keeping your roof in top shape is an important part of maintaining your most valuable asset – your home. However, roof replacements can become costly, quickly.

    spent all the insurance claim money

    For some homeowners, a problem (which many of us have done) is that they received their insurance settlement for their roof and ended up spending the money.

    Now, they don’t have the cash to pay for a new roof. To add to this dilemma, the roof must be completed in one year or they will lose part of their settlement money. This is the elephant in the room.

    In other cases, the deductible can be very high, making the needed repairs impossible to schedule.

    Whatever your case may be, we are here to help! Excel Roofing works with Service Finance Company (SFC), who specializes in financing home improvement loans. Financing options are listed on every estimate we give our customers. Each of the listed options states the loan monthly payment, loan schedule, interest rate, and overall cost.

    It is very useful to know exactly how much the total cost will be, which helps determine if financing is the right option for them.

    The SFC loan approval process is simple and only takes about 15 minutes. First, the homeowner fills out a short questionnaire with their Excel Roofing Project Manager. Together they call SFC to share the results of the questionnaire which determines whether or not they are approved for the loan.

    The fact that the decision can be made so quickly is a great benefit to homeowners. It lets them know exactly what they can qualify for. SFC provides options that homeowners would not otherwise have available and finances homeowners with FICO’s as low as 580.

    Another benefit of financing is the tax benefits. If a homeowner itemizes their deductions, they may be able to deduct the interest they pay on the loan.

    Of course financing can also be used if there is no insurance settlement. If a homeowner is planning on selling the house and knows it needs a roof, it makes sense to install the roof now and finance the deal.

    The new roof will add value to the home and eliminate the roof as an issue in a real estate transaction.

    At Excel Roofing, we always try to provide every customer the best possible roof for the money they have available. Financing has proven to be an additional and very valuable tool in helping our customers get the roof they need.

    Short on cash? Or maybe just interested in hearing more about Excel Roofing’s financing options? Call us today: (303) 761-6400

    Schedule My Free Inspection/Bid Now

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