Insurance Claim Help for Greater Denver Area Homeowners
We write the estimate and meet the adjuster on the roof. When their scope comes up short, we take it back to them. Roof, gutters, siding, windows and paint, all on one claim file.
One Company Handles the Whole Claim
We write the estimate ourselves, in the format your insurance company reads. When the scope comes back short, we're the ones who go back to them about it. We photograph the whole outside of the house before anything is written, slope by slope. Verified hail data tells us what hit an address and when. Aerial measurements size the roof without a tape. We meet the adjuster at the house and walk the roof with them.
Everyone we send into your home has been background checked. That matters most in the weeks after a storm, when strangers start knocking. The state's own advice after a hailstorm is to be careful with people who turn up unasked. It also says to work with Colorado-based contractors where you can. We're one of those. We carry general liability and workers compensation insurance, so that risk sits with us rather than with you. Some of our salespeople speak Spanish, if that helps. And about twenty years of roofing experience sits behind the work, which is what catches what a scope is missing. It costs nothing to have us look at the damage and price it.
When the Scope Comes Up Short
The number that comes back from your insurance company is a first number, not a final one. It was written by somebody who was on your roof for twenty minutes, working from a template. Missing things is normal.
A supplement is the fix. It is a request to your insurance company to revise their scope, with photographs, measurements and line items attached showing why. It isn't a complaint, an appeal or a dispute. It's the mechanism the whole industry runs on, and more than one round on a claim is normal. We submit it. You do nothing while it happens.
What a first scope usually leaves out:
- The parts that only show up once the old roof is off, like rotten boards under the shingles.
- The metal work at chimneys, walls and valleys, which has to be replaced rather than bent back and reused.
- The rules that apply to the new roof and didn't apply to the old one, because the code changed since.
- The second story and the steep sections, which change how the work gets done.
- The gutters, siding, windows, screens and paint that took the same storm. Hail dents aluminum before it visibly damages shingles, and it hits siding from the side, so damage shows up on the weather side of the house and not the rest. A roof-only scope leaves all of that unpaid, which homeowners tend to find out months later.
Commercial buildings carry claims too, and the roofing systems on them are a different scope of work.
That is why we meet the adjuster at the house and walk the roof with them. Two people on the same slope, looking at the same shingles, settle it there. If we're not up there, the scope gets written from one person's notes, and everything after that is us trying to change a document that already exists.
Your own part is smaller than people expect. Open the claim yourself, give us the claim number and the adjuster's contact details, forward whatever your insurance company sends you even if it looks like nothing, and tell us when they call. The claim itself stays yours: we can't open it, accept a settlement for you, or sign anything on your behalf.
The Protections You Already Have in Colorado
After a storm, somebody will offer to cover your deductible. It's the most common pitch in this business, and in Colorado it's against the law. A roofing contractor being paid out of your insurance money cannot pay your deductible. They can't waive it, rebate it, or advertise that they will. You pay it. That's state law, not a policy anybody chose. An offer to cover it isn't generosity and it isn't a discount. The money comes out of the work you're getting, or out of an inflated estimate sent to your insurance company with your name on top.
Three more protections come with any residential roofing contract in Colorado.
- A denied claim means you can cancel. If you've signed a roofing contract and your insurance company then turns the claim down in writing, you have three days to cancel and your deposit comes back to you. That's state law, so signing before the claim is decided doesn't trap you.
- Your deposit is held, not spent. Any money you pay up front is held until the materials arrive, or until most of the work is done. It isn't the contractor's money to use in the meantime, and that requirement goes into the contract in bold type.
- The contract has to be in writing. It has to say what work and materials you're getting, roughly when it happens and roughly what it costs, who the contractor is, where they are and who insures them, and how you cancel and get your money back.
Ask any roofer for those in writing before you sign, us included.
Related Roofing Services
Storm and Hail Damage
What a storm did to the house, and whether there is a claim in it at all.Learn moreRoof Replacement
Everything comes off down to the bare deck and a new roof goes on. That's where most hail claims end up.Learn moreRoof Inspection
A free look at the roof and the rest of the exterior, with photographs of what is actually up there.Learn moreResidential Roofing
Every roofing job we take on a house, whether a carrier is paying for it or not.Learn more
Who Does What on Your Claim
A claim has four people in it and most homeowners only ever meet two. Sorting out who does what is most of the worry gone.
You. You're the only one who can open the claim, and the only one who can decide to. Anyone who says otherwise is wrong.
Your insurance company's adjuster. They work for your insurance company, not for you. They come out, decide what's covered, and write the scope. That doesn't make them your enemy.
Us. We document the damage, write our own estimate, and meet the adjuster at the house. When their scope is missing something, we're the ones who take it back to them.
A public adjuster, if you hire one. A separate person you pay, usually a share of the settlement, to argue the claim on your behalf. Some claims genuinely need one. The line between that job and ours is a legal one, not a preference.
Whether there's a claim to make in the first place is a separate question. It gets answered on the roof, not on the phone.
Where We Handle Claims
We work claims across the Greater Denver Area, Aurora, Denver, Brighton and Centennial included, and everywhere else in our service areas.
What Our Customers Say
Adam Mayka
Josh with Semper Fi came to look at my roof after the most recent hail storm and couldn’t have been nicer. He was honest, thorough, and explained everything about the inspection process in great detail. His attention to detail and communication made it a very comfortable experience. Albeit we don’t need a new roof, when that time does come I will be using Semper Fi and I will recommend them to all of my friends and neighbors
Todd Reynolds
Was very responsive. I was able to get what was needed in regards to our roof inspections on three houses quickly. And worked with our insurance agent getting the right information needed for our insurance needs. If you’re looking for someone that knows roofs and you need inspections or confirmations regarding your roof. Highly would recommend recommend this company
Zilvinas Sutkus
We had Semper Fi Restoration Inc. complete the roof on our 10,000 sq. ft. commercial building, and we had a great experience from start to finish. We had the opportunity to meet Joshua Bosley and worked mainly with Leo, our project manager. Leo’s communication throughout the entire project was top-notch. As with any large commercial roofing project, we ran into a few unexpected snags along the way, but the Semper Fi team stepped up and took care of every issue with no questions asked. They stood behind their work, kept us informed, and made sure everything was handled properly. It’s refreshing to work with a company that takes responsibility and follows through on what they promise. We are very happy with the finished roof and would definitely recommend Semper Fi Restoration Inc. to anyone looking for a dependable and professional roofing company. Thank you to Joshua, Leo, and the entire Semper Fi team for a job well done!
Michael Molina
There are a lot of Roofing Contractors out there so when I was referred Josh and his team by a close friend I knew there must be something different about them. From the first meeting with Josh and Daniel I felt comfortable and at ease. I had a lot of questions and they answered them without hesitation and in extreme detail which I appreciated. They helped me through the entire insurance journey and made sure I was covered before any work was done which helped lift that burden off my shoulders. Also, you will not find a Owner as diligent as Josh when it comes to QA/QC of the work done by his crews making sure the roof/gutters you get are up to HIS standards. I appreciate Josh and Daniel for getting the work done and definitely exceeded all my expectations. I don't usually write reviews but their work deserves some praise, I will definitely be referring them anytime I hear anyone I know is even thinking of getting or needing a new roof.
Larry Walters
We had a great experience working with Joshua Bosley and Semper Fi Restoration after our home suffered large hail damage. They are honest, trustworthy, professional and knowledgeable. They held subcontractors to their high standards. This has been the best experience we have ever had with a roof replacement and other hail damage repairs. Working with Josh, Kat, and the team was a pleasure. We highly recommend Semper Fi to others! Larry and Darlene W.
Zachary Koch
I wanted to take a moment to leave a review for Josh and his team at Semper Fi Restoration. Josh came out the same day we called to provide an estimate and inspect our roof, and a member of his team completed the repairs first thing the very next morning. We truly appreciated the quick turnaround, excellent customer service, and quality workmanship in repairing the damage to our roof. The entire process was smooth, professional, and stress-free. I highly recommend Semper Fi Restoration to anyone looking for a reliable and responsive roofing company!
Lisa Smith
When my insurance refused to pay for my hail damaged roof, Semper Fi worked with my insurance to successfully get them to pay. They helped me with the entire process and communicated well. They were always available if I had questions. Their crew did a good job. They cleaned up after themselves. I highly recommend this company.
Aubrey Monckton
I had a fantastic experience with Leo at Semper Fi Restoration Inc. He recently completed some roof repairs for me, and I couldn’t be happier with the results. Leo was professional, honest, responsive, and clearly takes pride in his work. He explained everything thoroughly, showed up on time, and made the entire process smooth and stress-free. The quality of the repairs was excellent, and it’s clear he genuinely cares about doing the job right. It’s hard to find contractors you can truly trust, but Leo absolutely earned my confidence. I highly recommend Leo and Semper Fi Restoration Inc. to anyone needing roofing work or repairs. Outstanding service from start to finish!
Michael Kerr
Josh Bosley and Semper Fi Restoration recently completed hail damage work on our residence. Josh handled EVERYTHING with our insurance company. The work was completed on time, as promised. Clean-up was great. Josh came back and guaranteed we were happy with everything - including fixing two small areas that we felt needed additional work. He ensured we were 100% happy prior to moving on. He was a great communicator, very patient with us, and made us extremely happy that we chose him and Semper Fi. I rarely leave reviews - but would highly recommend him. Final note, our insurance agent recommended him to us and he was as great as advertised.
Sharine Webber
Semper Fi Restoration recently completed installing a new roof and we are so impressed with the service from start to finish. Leo Jett thoroughly explained the whole process and answered all of our questions. He was a huge help with the insurance claims and demonstrated a sincere desire to make sure everything was done professionally and to the highest standards. The crew were hard workers and also demonstrated the same commitment to completing the job right. Leo always followed up with us and made sure we didn't have any concerns or questions. We highly recommend Semper Fi Restoration!!
Jeff Cisneros
Josh is absolutely amazing, his service and follow-up is thr best I have ever experienced. The thing that really impressed me was his honesty after inspection, he shared that I didn't need a new roof. There are very few companies with that level of honesty. He has earned a customer for life.
Judy B
Leo Jett was fabulous! He walked me through every step of the process and made this a great experience. His customer service was more than I could have hoped for. After spending 25 years in the HOA business, Semper Fi would be a contractor I would recommend to anyone needing a new roof.
sukhvir singh
Outstanding service from start to finish. Semper Fi Restoration Inc exceeded all expectations with their roofing work. Their professionalism, expertise, and attention to detail were second to none. The team was reliable, efficient, and truly cared about delivering top-quality results. I have nothing but respect for this company and highly recommend them to anyone needing roofing services. Thank you, Semper Fi, for an exceptional experience.
Matt
We worked with Josh and his crew to get our badly damaged roof repaired. Josh had no hesitation to get over as soon as he could walk the roof spent hours doing his inspection to make sure everything was covered not one thing was left out. He was very thorough. I am a person that wants to understand everything and he had no hesitation to explain and walk me through every process. I highly recommend Semper Fi Restoration. They are honest and will get the job done right
Insurance Claim Help Frequently Asked Questions
Do I have to use the contractor my insurance company suggested?
No. It's your house and your claim, and you choose who does the work. A preferred list is a convenience for the carrier, not a requirement for you. Nothing in your policy makes it one.
Can you talk to my insurance company for me?
Yes, about the scope of the work, once you have a signed contract with us. That covers what's in the estimate, what's missing from it, and why. Arguing the value of your claim as your representative is a licensed job and a different one from ours.
How long does a claim take?
It depends on your insurance company and on how many rounds the scope takes. Some go through in one pass, others take several, and anybody quoting you a number is guessing. You can count on us telling you where it stands at each step rather than wondering.
Do I pay you, or does my insurance company?
Your insurance company pays the claim. You pay your deductible. Your policy pays one of two things. Either what a new roof costs today, or what the old one was worth after years of wear. That difference moves the number more than anything else in your file. On a replacement cost policy, the first payment usually leaves out the depreciation. The rest is released once the work is finished and documented. There's often a deadline to complete the work before that money stops being available.
What if the damage turns out not to be worth claiming?
Then we tell you that, and you don't file. It saves you filing on damage that was never going to hold up. And knowing what damage actually looks like before you call your carrier means the conversation starts from something real.
Can I still get the work done if there's no claim?
Yes. Plenty of exterior work has no storm behind it at all. Financing is available through Hearth for jobs that aren't going through a carrier.
Send Us Your Insurance Paperwork
Forward the estimate, the letter, or whatever arrived in the mail. We'll read it and tell you what it's missing. The inspection and the estimate are both free.