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Colorado insurance guide · Updated Oct 22, 2026
Appraisal vs. supplement:which problem does each solve?
Missing line items, a lowball number and a "not hail" denial are three different problems. Here's which tool fits, and what Colorado courts have said.
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Check your own declarations page. If an appraisal clause is listed there, this page explains what it means for your roof and your check.
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Before you file
Free claim review. Know your number first.
Bring your estimate and denial letter. We'll photograph the roof and show you which problem you actually have.
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What we check with you
- What's missing from the estimate
- Code items for your city
- Photo documentation per slope
- Whether it's an amount or coverage issue
Which tool
Supplement or appraisal: which problem do you have?
| Problem | Usual tool |
|---|---|
| Damage or code items found after the first estimate | Supplement |
| Insurer agrees there's a loss but the amount is wrong | Appraisal |
| Insurer says the damage isn't from hail | Possibly appraisal (see BonBeck below), depending on your policy wording |
| Insurer says the policy doesn't cover it at all | Coverage dispute: written denial, policy wording, possibly an attorney |
Supplement
A documented request to add damage or required work to the estimate.
Source: Colorado DOI advisory
Appraisal
A policy process where each side picks an appraiser and an umpire decides if they disagree on the amount of loss.
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We read your declarations page with you and inspect the roof. Free, no obligation.
Colorado rulings
What have courts said about appraisal and matching?
BonBeck Parker v. Travelers (10th Cir. 2021)
Applying Colorado law, the federal appeals court held that "amount of loss" in that policy's appraisal clause unambiguously includes causation disputes, so appraisers could decide whether hail caused the disputed roof damage. It affirmed judgment that Travelers breached the appraisal provision by refusing appraisal unless causation was carved out.
Source: BonBeck Parker, LLC v. Travelers Indem. Co., 14 F.4th 1169 (10th Cir. 2021)
Bertisen v. Travelers (D. Colo. 2023)
On a concrete tile roof, a federal judge found the policy ambiguous on whether it required matching and read it in the homeowners' favor, granting partial summary judgment that the policy covered matching.
Source: Bertisen v. Travelers Home & Marine Ins. Co., No. 20-cv-03650 (D. Colo. Sept. 8, 2023)
Right to cancel after a denial
You can rescind a roofing contract paid from insurance within 72 hours of written notice the claim was denied in whole or part.
Source: C.R.S. 6-22-104
Where Homey fits
What does Homey do in each?
We're a roofing contractor, not a public adjuster. We document the roof, write the repair scope and, once you hire us, discuss that scope with your insurer, which Colorado law allows. On a supplement, we write and document it. In appraisal, we can provide photos, measurements and a line-item scope to whoever you hire as your appraiser.
Takeaways
- Missing items: supplement.
- Wrong number: appraisal.
- Causation fight: appraisal may apply (BonBeck), depending on wording.
- No coverage: get the denial in writing.
Free claim review.
We read your declarations page with you and inspect the roof. Free, no obligation.
What is the difference between a supplement and appraisal?
A supplement adds documented damage or code items to the estimate. Appraisal resolves a disagreement over the amount of loss through appraisers and an umpire.
Can appraisal decide whether hail caused the damage in Colorado?
In BonBeck Parker v. Travelers (10th Cir. 2021), applying Colorado law, the court held that "amount of loss" in that policy's appraisal clause included causation. Results depend on your policy wording.
Does my policy have to pay for matching shingles or tile?
It depends on the wording. In Bertisen v. Travelers (D. Colo. 2023), a federal judge read an ambiguous policy to require matching on a tile roof.
Is Homey a public adjuster?
No. Homey is a roofing contractor.
Free claim review.
We read your declarations page with you and inspect the roof. Free, no obligation.
Case summaries are general information, not legal advice. Homey Roofing and Restoration is a roofing contractor, not a public adjuster. Your policy wording controls your coverage. Updated Oct 22, 2026.