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Homey Roofing Turns A $2,281.80 Roofing Claim Into $58,171.79 Of Repairs Paid In Full By Insurance.

If you think the quote you received from your insurance adjuster might be a little light, give us a call to see if we can make them do the right thing!

Picture of Jeff Kish

Jeff Kish

Founder of Homey Roofing

Team repairing a damaged roof in Douglas County, CO

When a storm rolled through Magda’s neighborhood…

She found herself facing a new adversary: her insurance company.

Nationwide Property & Casualty Insurance denied her claim for a full roof replacement, leaving her feeling overwhelmed and disheartened.

The meager $2,281.80 they offered wouldn't even cover a fraction of the damage, leaving Magda to wonder how she could possibly restore her home.

The denial letter was a heavy blow, filled with insurance jargon and seemingly arbitrary exclusions.

“I felt completely defeated,”

“I paid my premiums faithfully, and when I needed them the most, they turned their back on me. Their estimate was so low, it was like they hadn't even looked at my roof properly.”

“I hate it when homeowners are bullied by insurance companies.”

“When we came in, we knew exactly what needed to happen – we needed to go through the appraisal process with her.”

Understanding the Appraisal Process

The appraisal process is a powerful tool that levels the playing field between homeowners and insurance companies.

It involves an independent assessment of the damage by a neutral third party, ensuring a fair and unbiased evaluation. Homey Roofing & Restoration has extensive experience guiding clients through this process, maximizing their chances of a favorable outcome.

A Comprehensive Assessment of the Damage

Unlike Nationwide's cursory inspection, Homey Roofing & Restoration conducted a meticulous examination of Magda's roof and related structures.

The detailed estimate, totaling $58,171.79, was a stark contrast to the insurance company's paltry offer.

It included a complete roof replacement, new gutters and downspouts, exterior painting, fence repairs, and debris removal.

Do You Need A Better Estimate? We Might Be Able To Help!

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Common Reasons for Insurance Claim Denials

Insurance claim denials are more common than you might think. They can occur due to various reasons, such as:

Policy exclusions

Your policy may not cover certain types of damage or perils.

Insufficient documentation

You may not have provided enough evidence of the damage or your losses.

Undervaluation of damages

The insurance company may underestimate the cost of repairs or replacement.

Disputes over causation

The insurance company may disagree with your assessment of what caused the damage.

Don’t Be A Victim!

Homey Roofing & Restoration helps homeowners avoid these pitfalls by ensuring thorough documentation, accurate estimates, and strong advocacy throughout the claims process.

Newly restored roof by Homey Roofing in Clear Creek County, CO

Magda's Roof Restored to Its Former Glory

The appraisal process proved to be a game-changer for Magda.

Armed with a comprehensive estimate and the support of a winning local team, she successfully challenged Nationwide's denial.

The insurance company ultimately approved a full roof replacement, covering all the necessary repairs.

Magda's relief was palpable.

“I couldn't believe it,” she says. “Homey Roofing & Restoration fought for me every step of the way. They made me feel heard and empowered. Now, my roof is beautiful and secure, and I have peace of mind knowing I am protected.”

Why Choose Homey Roofing & Restoration?

Relentless advocacy

We fight tirelessly for your rights, challenging unfair denials and ensuring you receive the compensation you deserve.

Thorough assessments

We leave no stone unturned in evaluating the damage to your property, providing detailed estimates that accurately reflect the cost of repairs.

Expert guidance

We walk you through every step of the claims process, explaining your options and helping you make informed decisions.

Proven results

Our track record of successful claim approvals speaks for itself.

Frequently Asked Questions

Why do insurance companies often deny or underpay hail and wind damage claims in Colorado?

Insurance companies may deny or underpay claims for several reasons:

  • Pre-Existing Conditions: They might attribute damage to wear and tear or prior issues rather than recent hail or wind events.
  • Insufficient Documentation: Claims lacking detailed evidence, such as photographs or professional assessments, may be denied due to inadequate proof of hail damage.
  • Policy Exclusions: Some policies exclude specific types of damage or have limitations based on the roof’s age or condition, leading to claim denials.
  • Disputes Over Damage Extent: Insurers may acknowledge minor hail impact but argue that the damage doesn’t warrant repair or replacement, resulting in partial or full denial.

To improve your claim’s chances:

  • Prompt Reporting: Notify your insurer immediately after discovering damage.
  • Thorough Documentation: Take detailed photos and videos of all affected areas.
  • Professional Inspection: Hire a reputable contractor to assess and document the damage.
  • Understand Your Policy: Familiarize yourself with your coverage, including any exclusions or limitations.

If your claim is denied or underpaid:

  • Request a Detailed Explanation: Ask your insurer for the specific reasons behind their decision.
  • Seek a Second Opinion: Have an independent contractor or public adjuster evaluate the damage.
  • File an Appeal: Provide additional evidence and documentation to support your case.
  • Consult Legal Counsel: If necessary, seek legal advice to understand your rights and options.

Ignoring damage can lead to:

  • Structural Issues: Minor damage can worsen over time, compromising your home’s integrity.
  • Mold Growth: Water intrusion from damaged roofs can lead to mold, posing health risks.
  • Decreased Property Value: Unrepaired damage can reduce your home’s market value.

We specialize in:

  • Comprehensive Inspections: Identifying all damage, including hidden issues.
  • Detailed Documentation: Providing thorough reports and evidence to support your claim.
  • Claim Advocacy: Working directly with insurers to negotiate fair settlements.
  • Full-Service Repairs: Handling all aspects of restoration, from roofing to gutters and more.

Be vigilant for:

  • Roof Damage: Missing, cracked, or dented shingles.
  • Gutter Issues: Dents, cracks, or sagging sections.
  • Exterior Damage: Chipped or cracked paint, damaged siding, or broken windows.
  • Interior Leaks: Water stains on ceilings or walls, indicating roof leaks.
Yes, most insurance policies have specific timeframes for reporting damage, often within one year of the event. It’s crucial to review your policy and act promptly to ensure coverage.
Review your homeowner’s insurance policy under the “perils” section. Most standard policies cover hail and wind damage, but it’s essential to confirm any exclusions or limitations.
Yes, if previous repairs were not done correctly or if there’s evidence of prior damage, insurers might deny or reduce your claim. Ensure all past repairs are well-documented and up to standard.

Our commitment to clients includes:

  • Expertise: Years of experience in Colorado’s unique climate challenges.
  • Transparency: Clear communication throughout the claim and repair process.
  • Comprehensive Services: From inspection to final repairs, we handle it all, ensuring quality and satisfaction.

Don't let an insurance denial leave you feeling defeated.

Contact Homey Roofing & Restoration today for a free consultation – which will earn you a $50 Visa Gift Card. We'll assess your situation, explain your rights, and develop a personalized strategy to help you get your home back to its pre-loss condition.

Your roof deserves the best, and so do you.

& Get A $50 Gift Card With Your Inspection

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