4510 S Federal Blvd Englewood, Colorado 80110

3525 N Cascade Ave #204 Colorado Springs, CO 80907

(303) 761-6400(24/7)

(719) 434-3020(24/7)

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. 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. 
  5. 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.
  1. 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.

Receive a half-price solar-powered attic fan for $500, with the purchase of a full roof. Normally $999.


Why Homeowners and Businesses Choose Us

Colo Radans
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Excel Roofing is the only roofing company I would trust and recommend to others. Kevin M. is extremely helpful and professional at all time with his experience and knowledge.
Ralitsa Carter
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I highly recommend consulting with a true roof insurance expert like Excel Roofing, as there are a lot of details one can easily miss if not in the field on a regular basis.
Mary Kimball
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Omar came out and repaired some of our inside ceiling where the nails lifted the drywall. He is an amazing worker, a master at his job. Ask for Omar as he is a real asset to Excel Roofing!
Cindy L
Local Guide
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This company has gone way beyond my expectations. Thank you Jay and especially thank you JR for doing such a great job, being dependable, on time and affordable.
Rick Sturdivant
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Troy Lindsay and his team did a great job installing a new roof. They even worked with me when I wanted a solar-powered attic fan installed and helped me size and choose one.
brian niles
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These guys are top notch! You will not find better service anywhere!! Thank you Excel!!
Dustin Sieve
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I would absolutely recommend Excel roofing for any roofing, gutters or painting. I plan on using them again for any future claims.
Eric Zietlow
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Eric the project manager answered all calls and e mails promptly, addressed any concerns, and followed up on small issues. Good looking roof, no headaches or stress on my end.
Nicki Shields
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The building inspector said this was one of the best roof jobs she has seen, she was very impressed. I highly recommend Excel Roofing for roofs, siding, and windows. I could not be more pleased! Look no further.
Sonny Romero
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Matt Foster was our Project Manager. Matt was very friendly, knowledgeable, and professional. He was involved from the estimate through the final inspection. Excel Roofing did an outstanding job.
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Troy and his crew were outstanding. He explained the details every step of the way. They gave us a job date and completed on time.
Kevin Donahue
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Unlike the other companies who bid my roofing job, Excel (Brock) was not pushy and the deal did not have to be signed before he left the house. I am extremely pleased.
Ana Kauffman
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Love Chris, had my best interest in mind during the entire roof replacement process. He was able to rush the job for us given that we were nearing the closing date of the sale of the house.
Andy Dimmen
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Throughout the process I had one point of contact at Excel (Brock). Brock managed the entire process so that I didn’t have to do a thing. I will recommend Excel to everyone I know
Taylor Hood
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I would have given 5 stars. Giving 4 because of how hard Matt worked to get project finished and they were priced very reasonable compared to other roofing companies.
Beth Rogers
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Troy and his crew went above and beyond for us. Working to help us navigate insurance claim. Great job, on time, on budget, house looks great. Couldn't be happier! Highly recommend Mr Troy and his crew!
Bob Andersen
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wonderful company to work with.. from the initial call for someone to come look.. the project manager Bob was at the house within an hour.
Mindy Densmore
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They showed up on time, determined the problem, showed us a video of what to do to prevent it in the future and and took care of it immediately. I highly recommend Excel.
j snoy
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I definitely recommend and will use again. Chris the project manager was very quick to respond and quite reliable. Overall, a great roofing experience.

Denver Metro

4510 S Federal Blvd
Englewood, Colorado 80110

Phone: (303) 761-6400

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Colorado Springs

3525 N Cascade Ave #204 Colorado Springs, CO 80907

Phone: (719) 434-3020

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Sheridan, Wyoming

1574 N Main Street
Sheridan, Wyoming 82801

Phone: (307) 763-4050

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Casper, Wyoming

373 Lakeview Drive
Casper, Wyoming 82604

Phone: (307) 237-770

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