insurance Claim Specialists

We understand that many Colorado homeowners are concerned about insurance rates and deductibles, wildfire risk scoring, and the possibility of being non-renewed. That concern is valid. Now, more than ever, the importance of hiring a fully qualified, trusted, roofing professional deeply experienced and specialized in insurance claims protocols and procedures, storm damage identification, and familiarity of your local area, building codes, and recent storm reports with an equally adept installation crew has never been of such upmost importance.

Colorado homeowners are facing a difficult insurance environment, and we understand why filing a claim can feel risky. That is why our inspection process is designed to give you information before you make a decision.

We inspect first, document carefully, and explain what we find honestly. If your roof is in good condition, we will say so. If a repair makes more sense than a claim, we will explain that. If there is legitimate storm damage, we will provide clear documentation so you can speak with your insurance agent and make the decision that is best for your home.

Our goal is not to pressure you. Our goal is to help you protect your home, your coverage, and your peace of mind

Click For Claim Assistance Appointments

Inspect

Free No-Obligation storm-damage inspection to determine whether the damage may warrant filing an insurance claim or if a targeted repair is the better option.

Get Approved

We meet with the insurance carrier’s assigned field adjuster to review the storm-related damage and help ensure a smooth process and so you have someone representing and your interests during the claim.

Even if your claim has been denied, we can help through a reinspection process of the claim.

Make Repairs

Upslope Contracting's licensed, insured, and adept crews make prescribed repairs and restoration work according to the insurance scope of loss.

INSURANCE CLAIM STEPS

Step 1 - Storm Hits

It's crucial to get a jump on inspecting your property right after a storm to remediate any damages. Be on the look out for fallen leaves covering ground, major granule loss at the gutter downspouts , dents in cars, bbq grills, patio canopies, chipped paint/wood on decks/siding, missing shingles, etc.

Step 2 - Call Us: (303) 903-4597

Call us to schedule a free no-obligation roof storm-damage inspection

Step 3 - Our Inspection

Our insurance adjuster–trained inspector will perform industry-standard storm damage assessments to determine whether the damage may warrant filing an insurance claim or if a targeted repair is the better option.

Step 4 - File Claim

We help homeowners contact their insurance carrier’s claims department to begin the claims process. Our team can assist with providing the basic storm damage information requested during the claim setup and help coordinate the carrier’s inspection appointment.

Step 5 - Adjuster Inspection

We meet with the insurance carrier’s assigned field adjuster to review the storm-related damage and help ensure all affected areas, necessary labor, materials, and applicable code-required items are properly documented and included in the claim scope.

Step 6 - Scope of Claim Approved

We review the insurance carrier’s scope of loss to help verify that all storm-related damages, required materials, labor items, and applicable code-required components are properly listed. If additional items are discovered, we assist with the supplemental process by providing documentation, photos, and supporting information for review by the carrier.

Step 7 - Perform The Prescribed Repairs

Once the scope of work is approved, Upslope Contracting completes the prescribed repairs and restoration work according to the insurance scope, applicable building codes, manufacturer specifications, and industry standards.

Step 8 - Schedule Final Inspections

We coordinate all final inspections and closeout requirements with the insurance carrier, building department, mortgage company, and homeowner to help ensure the project is properly completed, documented, and finalized.

Step 9 - Invoice Insurance Carrier

We provide the final invoice, certificate of completion, photos, and any required closeout documentation to help the homeowner request release of remaining insurance funds, including recoverable depreciation and approved supplemental items.

Step 10 - Final Payment, Closing Documents, and Close Claim

After the approved repairs are complete, we provide final invoicing, completion documentation, photos, and closeout paperwork to help the homeowner request release of remaining claim funds and properly close out the project.

WE ARE WITH YOU EVERY STEP OF THE WAY!

The Brave New Insurance Claim World - Insurance Claim Tips

Our goal is not to pressure you. Our goal is to help you protect your home, your coverage, and your peace of mind

Schedule a No-Pressure Roof Inspection

Questions Homeowners Should Ask Their Insurance Agent Before Filing

Before filing a claim, ask your insurance agent:

Will a weather-related claim affect my renewal or premium?
Does my carrier treat hail/wind claims differently than water, fire, or liability claims?
Am I already at risk for nonrenewal because of wildfire score, roof age, location, or property condition?
Would replacing my roof with Class 4 impact-resistant materials help my premium or insurability?
Are there discounts for Class A fire-rated assemblies, defensible space, or mitigation work?
Can you confirm my deductible, roof coverage type, depreciation terms, and any cosmetic damage exclusions?
If I do not file now and the roof leaks later, could that create a coverage issue?

Worried About Filing an Insurance Claim?

Many Colorado homeowners are concerned about rising insurance costs, wildfire-risk scoring, and the possibility of being non-renewed. We understand that concern.

That is why Upslope Contracting starts with an honest roof inspection before recommending any next step. An inspection does not mean you have to file a claim. It simply gives you a clear understanding of your roof’s condition.

If we do not find significant storm damage, we will tell you. If minor repairs or maintenance are the better option, we will explain that. If we do find legitimate hail or wind damage, we will provide photos, measurements, and construction-related documentation so you can make an informed decision with your insurance agent.

Upslope Contracting does not act as a public adjuster and does not determine insurance coverage. We assist with construction documentation, repair scope, code items, and roof system recommendations so homeowners can make educated decisions.

Key Points

1. An inspection is not the same as filing a claim.

Having us inspect your roof does not automatically create an insurance claim. It simply gives you information. You should know what condition your roof is in before deciding whether to contact your carrier.

2. We will not tell you to file unless the damage supports it.

We do not recommend filing claims for normal wear, minor cosmetic concerns, or damage that does not appear significant enough to support a legitimate storm claim.

3. We cannot promise what your carrier will do.

No contractor can honestly guarantee whether a claim will affect your premium, renewal, or underwriting. Those decisions belong to the insurance company. What we can do is provide accurate documentation of the roof condition and help you understand the construction side of the damage.

Colorado law requires insurers to provide specific notice before canceling or refusing to renew a homeowner policy, and if claims history is used for an adverse action, the insurer must disclose the specific claim information that resulted in that action.

4. Not repairing real damage can also create risk.

Avoiding a legitimate claim may feel safer in the short term, but leaving storm damage unrepaired can create bigger problems later, including leaks, interior damage, roof deterioration, future claim disputes, and inspection issues when selling or refinancing the home.

5. The best defense is documentation and mitigation.

We help homeowners document roof condition, storm damage, repairs, code upgrades, impact-resistant materials, fire-resistant assemblies, and completed work. That documentation may be useful for insurance underwriting, renewals, real estate transactions, and future claims.

Colorado’s wildfire-risk law requires insurers using wildfire risk models or scores to provide information about mitigation discounts, wildfire risk scores or classifications, and a process for appealing wildfire risk scores or classifications.

Insurance Claim Frequently Asked Questions

Please reach us at ross@upslopecontracting.com if you cannot find an answer to your question.

Should I have my property inspected before filing a claim?

Yes. A professional inspection can help determine whether damage appears significant enough to warrant an insurance claim or if a repair may be the better option. This allows homeowners to make informed decisions before contacting their insurance carrier.

Will filing a claim increase my premium?

Quick Answer:

Hail and wind claims are generally considered weather-related events rather than homeowner-caused losses, meaning they are typically classified as not-at-fault claims.

Dive Deeper:

Premium changes to a policy from filing a storm-related claim are determined by the insurance carrier and can depend on several factors, including:

Regional storm activity and catastrophe losses
Overall claims history in your area
Your individual claim history
Roof age and condition
Underwriting guidelines
State regulations
Changes in rebuilding costs and insurance market conditions

Many homeowners successfully file legitimate hail claims without seeing a direct surcharge tied specifically to that claim, but premium changes can still occur due to broader market or regional factors.

Before filing a claim, ask your insurance agent:

Is a hail claim considered a not-at-fault claim under my policy?
Could filing this claim affect my premiums or eligibility for renewal?
Are there any carrier-specific underwriting concerns I should be aware of?
Are discounts available for Class 4 impact-resistant roofing materials?

What is my deductible?

Your deductible is the portion of a covered loss that you are responsible for paying. Deductibles vary by policy and may be different for hail, wind, fire, or other types of claims.

Your deductible is the portion of the loss that you agreed to be responsible for when you purchased your insurance policy. The insurance company simply subtracts that amount from the claim payment they issue and is the financial responsibility of the homeowner to pay to the contractor after materials have been delivered or all the repairs have been completed.

Why Do I Pay My Deductible to the Contractor Instead of the Insurance Company?

Quick Answer:

Your deductible is the portion of a covered loss that you are responsible for paying. Deductibles vary by policy and may be different for hail, wind, fire, or other types of claims

Dive Deeper:

Your deductible is the portion of a covered loss that you are responsible for paying. Deductibles vary by policy and may be different for hail, wind, fire, or other types of claims.

Example:

Let's say:

Total approved roof replacement: $20,000
Your deductible: $2,500

The insurance company does not collect the $2,500 from you.

Instead, they pay their portion of the covered loss:

Insurance Company Pays: $17,500
Homeowner Pays Contractor: $2,500 Deductible
Total Contractor Receives: $20,000

The deductible is your share of the repair cost.

Why doesn't the Insurance carrier just pay the entire amount?

Insurance policies are designed to share risk between the homeowner and the insurance company. The deductible is intended to:

Reduce small or unnecessary claims
Help keep insurance premiums lower
Ensure homeowners have a financial stake in the repair process

Is Paying My Deductible Required?

Quick Answer:

Yes. Under Colorado law, homeowners are responsible for paying their deductible on property insurance claims.

Dive Deeper:

Per Colorado Senate Bill 38 (SB38) and Senate Bill 12-038 , Contractors cannot legally:

Waive deductibles
Absorb deductibles
Rebate deductibles
Inflate invoices to offset deductibles

Doing so may constitute insurance fraud.

Upslope Contracting Tip:

Before signing a contract, make sure you understand:

Your deductible amount
What your insurance company has approved
Any upgrades you've selected
Whether recoverable depreciation may be released after completion

We'll gladly review your claim documents and explain exactly how the numbers work so there are no surprises.

What happens after I file a claim and what do I have to do now?

Quick Answer:

Typically, the insurance company will:

Assign a claim number.
Review your policy coverage.
Schedule an inspection with an adjuster.
Determine the extent of covered damage.
Issue a scope of loss and initial payment if approved.

Dive Deeper:

Should My Contractor Meet with the Insurance Adjuster?

Absolutely. To help ensure all storm-related damages are properly identified and considered during the claim process, Upslope Contracting will meet with your assigned insurance adjuster at no cost to you.

Our goal is not to argue with the adjuster, but to provide information, documentation, and project-specific insight that may help ensure a thorough and accurate assessment of the damage.

Having both the contractor and adjuster present often creates a more efficient inspection process and can help reduce misunderstandings regarding the scope of damage, building code requirements, repair methods, and project complexity.

When the Insurance Company Calls to Schedule the Inspection

When your insurance carrier contacts you to schedule the adjuster's inspection, we recommend the following:

1. Schedule a time that works for you

If you would like to be present during the inspection, select a date and time that works with your schedule.
If you do not wish to attend, simply request the earliest available appointment and Upslope Contracting will coordinate directly with the adjuster and attend on your behalf.

2. Gather the Adjuster's Information

Please provide Upslope Contracting with the following information as soon as possible:

Adjuster's name
Phone number
Email address
Claim number
Date and time of inspection
Insurance carrier

This allows us to prepare documentation and coordinate with the adjuster before the inspection.

3. Review Your Policy Information

Before the inspection, it can be helpful to understand:

Your deductible
Applicable coverages
Replacement Cost Value (RCV) vs. Actual Cash Value (ACV)
Ordinance or Law (Code Upgrade) coverage
Roof settlement provisions, if applicable

Don't worry if you're unsure about these items—we're happy to help explain them.

4. Be Familiar with the Storm Event

The adjuster may ask questions regarding:

Approximate storm date
When damage was first noticed
Prior repairs or claims
Interior leaks or water intrusion
Areas of concern around the property

If you're unsure about any details, that's okay. Just answer honestly and to the best of your knowledge.

5. Understand the Areas of Damage

Before the inspection, Upslope Contracting will review our findings with you, so you have a general understanding of the damages identified.

Storm damage may affect more than just the roof, including:

Gutters and downspouts
Siding
Window screens
Paint and stain
Skylights
Decks and railings
Air conditioning equipment
Fencing
Outdoor structures
Personal property

You do not need to remember every damaged item. Our representative will discuss findings with the adjuster during the inspection and provide supporting documentation when necessary.

Why Contractor Representation Matters

Insurance adjusters are highly trained professionals, but they typically inspect hundreds of properties each year and often have limited time at each location.

A qualified restoration contractor can help identify:

Storm-related damages
Hidden damages
Building code requirements
Manufacturer installation requirements
Safety concerns
Access challenges
Project-specific repair needs

This collaboration often leads to a more complete understanding of the scope of work required to properly restore the property.

How Upslope Contracting Helps

Our representatives attend adjuster inspections prepared with:

Detailed damage documentation
Photographs and measurements
Roofing and exterior expertise
Knowledge of local building codes
Manufacturer specifications
Restoration project experience

We act as an advocate for a complete and accurate assessment while maintaining a professional and cooperative relationship with the insurance carrier.

The Bottom Line

The adjuster inspection is one of the most important steps in the claims process.

Having an experienced restoration contractor present can help ensure damages are properly identified, documented, and discussed from the beginning—often reducing delays, supplements, and misunderstandings later in the project.

That's why Upslope Contracting provides adjuster meeting representation free of charge as part of our commitment to helping homeowners navigate the insurance restoration process with confidence.

What is a Scope of Loss?

A Scope of Loss is the insurance company's estimate of the covered damage and the costs they have approved for repair or replacement. It serves as a starting point and may be adjusted through the supplemental process if additional covered damage is discovered, if any code items are required, or if anything was overseen in the initial insurance estimate.

Upslope Contracting will communicate directly with your assigned adjuster to agree on an adjusted scope of loss cost to make repairs prior to starting the work so there are no homeowner out-of-pocket surprises at the end of the project.

Why is my contractor's estimate different from the insurance estimate?

Quick Answer:

Insurance estimates are often prepared before all damage, code requirements, or project complexities are fully known. Contractors may identify additional items, building code upgrades, permit requirements, or overlooked damages that require supplementation

Dive Deeper:

This is one of the most common questions homeowners ask during the insurance restoration process.

The insurance company's initial Scope of Loss is often prepared shortly after an inspection and serves as a baseline estimate acknowledging the covered damage and the core repairs required to restore the property. It is not uncommon for this initial estimate to be incomplete.

Insurance carriers rely on qualified contractors to identify, document, and submit additional items that may be necessary to fully restore the property to its pre-loss condition. Every home, roof, and project is unique, and many required repairs are not apparent during the initial adjustment.

As restoration professionals, it is our responsibility to thoroughly evaluate your property and advocate for all necessary repairs, materials, code requirements, and project-specific conditions.

Common Items Missing from Initial Insurance Estimates

Depending on the property and scope of damage, additional items may include:

Building permits and permit fees
Code-required upgrades
Ice and water shield requirements
Flashing replacement
Roof decking replacement
Additional roofing layers requiring tear-off
Ventilation upgrades
Class A fire-rated assembly requirements
Specialty equipment and safety requirements
Engineering reports
Dump fees and disposal costs
General contractor overhead and profit
Steep-slope, multi-story, or difficult-access labor charges
Solar system detach and reset
Skylight replacement
Gutter replacement
Painting and staining
HVAC, electrical, or carpentry work
Other project-specific materials, procedures, and labor necessary to complete a proper restoration

Why the Difference Matters

A contractor's estimate should not simply mirror the insurance company's estimate. Its purpose is to identify everything required to properly restore the property according to manufacturer specifications, local building codes, industry standards, and the unique conditions of your home.

When Upslope Contracting provides an estimate that exceeds the initial insurance estimate, it is typically because we have identified legitimate items that were not included in the original Scope of Loss.

Our goal is simple:

To ensure that no required repair, material, safety requirement, or code upgrade is overlooked, omitted, or left unpaid.

We believe homeowners deserve a complete restoration—not a shortcut.

Through detailed documentation, photographs, measurements, code research, and supplement requests, we work with insurance carriers to secure the funding necessary to restore your property to pre-storm condition and, in many cases, better protect it against future hail, wind, and fire events.

Our Promise

We will never recommend unnecessary repairs. We will, however, fight to ensure that every legitimate item required to restore your property is properly identified, documented, and submitted for consideration.

Because when your home has been damaged, "good enough" isn't good enough.

What is recoverable depreciation?

Quick Answer:

Many policies initially withhold a portion of the claim payment called recoverable depreciation. Once repairs are completed and proper documentation is submitted, these funds are often released to the homeowner.

Dive Deeper:

Many homeowners are surprised to learn that insurance claims are often paid in multiple installments rather than one lump sum.

When a claim is approved, the insurance carrier typically issues an initial payment based on the Actual Cash Value (ACV) of the damaged property. This amount reflects the replacement cost of the damaged materials minus depreciation for age, wear, and useful life.

The withheld portion is known as recoverable depreciation.

Supplements, permit fees, and any additional "paid-when-incurred" items are included with the recoverable depreciation in the final check sent to the homeowner upon project completion and invoicing and is subsequently paid directly to the contractor by the homeowner for the repairs made.

Why Is Depreciation Withheld?

Recoverable depreciation exists to ensure that the funds provided by the insurance company are used to complete the covered repairs.

The initial ACV payment is generally intended to provide sufficient funds for deposits, materials, permits, and the commencement of repair work. Once the repairs have been completed and documented, the insurance carrier will typically release the recoverable depreciation, subject to the terms and conditions of the policy.

This process creates accountability and helps ensure that:

Covered repairs are actually completed.
Damaged property is restored to its pre-loss condition.
Insurance funds are used for their intended purpose.
The property remains protected from further deterioration.
The claim is settled based on actual restoration costs rather than estimated future repairs.

How Do I Receive My Recoverable Depreciation?

In most cases, the insurance carrier will require documentation showing that the repairs have been completed. This may include:

Final contractor invoices
Certificate of Completion
Proof of payment
Photographs
Permit documentation, when applicable

Once the required documentation is submitted and reviewed, the carrier will generally release any recoverable depreciation owed under the policy.

Example:

Replacement Cost Value (RCV): $25,000
Less Depreciation: $5,000
Actual Cash Value (ACV) Payment: $20,000

After the repairs are completed and the required documentation is submitted, the insurance carrier may release the remaining $5,000 in recoverable depreciation, allowing the claim to be paid at its full replacement cost value.

Why This Benefits Homeowners

The recoverable depreciation process helps ensure that homeowners receive the full benefits available under their policy while encouraging timely restoration of the property. It also provides an additional layer of protection by verifying that the work has been completed according to the approved scope of repairs.

At Upslope Contracting, we help homeowners navigate this process from start to finish, including documentation, invoicing, supplements, and the submission of final paperwork needed to recover any remaining claim funds.

Who do I hire to do the work? Do I have to use the insurance company's preferred contractor?

Quick Answer:

No. Homeowners generally have the right to choose their own contractor for repairs related to an insurance claim. While your insurance company may provide a list of preferred contractors, the final decision is yours.

Dive Deeper:

Why Does Homeowner Choice Matter?

Restoration projects often involve a significant investment of time, trust, and communication. Your contractor may be working on your property for days or even weeks, coordinating with adjusters, suppliers, inspectors, subcontractors, and mortgage companies along the way.

The ability to select your own contractor allows you to choose a company that best aligns with your expectations, communication style, quality standards, and project goals.

What Is a Preferred Contractor Network?

Many insurance carriers maintain preferred contractor programs. To be considered for these programs, contractors typically must meet certain requirements, which may include:

Proper licensing and insurance
Proven financial stability
Favorable customer satisfaction ratings
Established restoration experience
Consistent workmanship quality
Timely project completion
Compliance with carrier guidelines and documentation requirements

Preferred contractor programs can be a valuable resource for homeowners seeking qualified restoration professionals.

Is There a Difference Between a Preferred Contractor and an Independent Contractor?

Regardless of whether a contractor participates in a preferred network, the contractor's responsibility should always be to properly evaluate the damage and restore the property according to applicable building codes, manufacturer specifications, and industry standards.

A qualified contractor should identify and document all legitimate repair items necessary to restore the property, including any items that may not have been included in the initial insurance estimate.

Why Homeowners Choose Upslope Contracting

Upslope Contracting has earned preferred contractor status with numerous major insurance carriers through years of professional conduct, restoration expertise, quality workmanship, and successful project completion.

At the same time, we remain committed to advocating for our clients by:

Performing thorough inspections
Exceptional liability insurance coverages and licenses
Wide range of restoration capabilities, services offered, and materials available
Identifying overlooked damages
Researching applicable code requirements
Preparing detailed documentation
Coordinating supplements when justified
Communicating professionally with all parties involved

Our goal is not to create conflict. Our goal is to ensure that every legitimate repair necessary to restore your home is properly identified, documented, and completed.

The Bottom Line

Whether you choose a preferred contractor, an independent contractor, or Upslope Contracting, the most important factor is trust.

Choose a contractor who communicates clearly, understands the insurance restoration process, has a proven track record of quality workmanship, and is committed to restoring your property correctly the first time.

After all, you're not just hiring someone to replace a roof or repair damage—you're trusting them with one of your most valuable investments: your home.

Can my insurance company force me to use a specific contractor?

Quick Answer:

Generally, no. The choice of contractor belongs to the homeowner. preferred contractors, the final decision is yours.

Dive Deeper:

Why Does Homeowner Choice Matter?

The ability to select your own contractor allows you to choose a company that best aligns with your expectations, communication style, quality standards, and project goals.

Why Homeowners Choose Upslope Contracting

At the same time, we remain committed to advocating for our clients by:

Performing thorough inspections
Exceptional liability insurance coverages and licenses
Wide range of restoration capabilities, services offered, and materials available
Identifying overlooked damages
Researching applicable code requirements
Preparing detailed documentation
Coordinating supplements when justified
Communicating professionally with all parties involved

Our goal is not to create conflict. Our goal is to ensure that every legitimate repair necessary to restore your home is properly identified, documented, and completed.

The Bottom Line

Whether you choose a contractor your neighbor used, someone you found online, or Upslope Contracting, the most important factor is trust.

After all, you're not just hiring someone to replace a roof or repair damage—you're trusting them with one of your most valuable investments: your home.

Will my insurance company pay my contractor directly?

Quick Answer:

Generally, no. The choice of contractor belongs to the homeowner. preferred contractors, the final decision is yours.

Dive Deeper:

Most insurance payments are issued to the homeowner, although payment arrangements vary by carrier, mortgage company, and contract terms.

If you would prefer to not deal with this process, consult your contractor, as arrangements and addendums can be created to have payments issued directly to the contractor with your approval and certification that all repairs have been completed to your satisfaction.

What if my mortgage company is listed on the insurance check?

Quick Answer:

Mortgage companies are often included on larger claim checks. Additional endorsements or documentation may be required before funds can be deposited or released.

Dive Deeper:

Many homeowners are surprised to find that their mortgage company is listed as a payee on their insurance claim check.

When a mortgage lender has a financial interest in the property, they often require that claim funds be jointly issued to both the homeowner and the mortgage company. This helps protect the investment that both parties have in the home and ensures that repairs resulting from a covered loss are properly completed.

Why Does the Mortgage Company Need to Be Involved?

Your home serves as collateral for the mortgage loan. Because storm damage can affect the value and condition of the property, mortgage companies often require verification that repairs are completed before releasing all insurance proceeds.

Depending on the size of the claim and the lender's requirements, the mortgage company may:

Require endorsement of insurance checks
Hold funds in escrow and release them in stages
Request copies of contracts, estimates, permits, and invoices
Require photographs of completed work
Conduct inspections during or after repairs
Request a Certificate of Completion or proof of payment
Request Contractor Lien Waivers

Each mortgage company has its own procedures, timelines, and documentation requirements.

Will This Delay My Project?

It can if the process is not managed properly. Mortgage company claim departments are often handling thousands of claims and may require multiple documents before funds are released.

The good news is that most lenders have established procedures, and with proper documentation, the process can usually be navigated smoothly.

How Upslope Contracting Can Help

We understand that dealing with mortgage companies can feel overwhelming and time-consuming, especially while managing storm damage repairs.

Upslope Contracting can help guide you through the process by assisting with:

Required documentation
Insurance claim paperwork
Mortgage company correspondence
Contracts and estimates
Invoices and Certificates of Completion
Progress and completion photos
Final payment and fund release requests

Our goal is to make the restoration process as simple and stress-free as possible so you can focus on getting your home restored—not on paperwork and phone calls.

The Bottom Line

If your mortgage company is listed on your insurance check, don't panic—this is a common part of the insurance restoration process. While additional signatures, inspections, or documentation may be required, these procedures are designed to ensure that the property is properly repaired and protected.

We're happy to help guide you through every step of the process and work with your lender to keep your project moving forward.

What If Additional Damage Is Discovered During Construction?

Quick Answer:

Hidden damage is common, especially with roofing and exterior restoration projects. When covered damage is discovered, documentation can be submitted to the insurance carrier for review.

Dive Deeper:

It is not uncommon for additional damage to be discovered after repairs begin.

Many components of a roofing or exterior system cannot be fully inspected until damaged materials are removed. While insurance adjusters and contractors do their best to identify all damages during the initial inspection, some conditions simply are not visible until demolition or tear-off occurs.

For this reason, hidden or concealed damage is one of the most common reasons insurance claims require supplements.

Common Hidden Damages Found During Construction

Damaged or Non-Code Compliant (Spaced) Roof Decking

Roof sheathing may appear sound from above but reveal water damage, rot, delamination, or structural deterioration once the shingles are removed.

Additional Hail or Wind Damage

Storm damage to flashing, vents, ridge caps, drip edge, siding, window trim, gutters, skylights, and other exterior components is sometimes discovered after work begins.

Water Intrusion

Leaks can travel far from their source and may not become visible until roofing materials, siding, or interior finishes are removed.

Improper Previous Repairs

It is common to find prior repairs that do not meet current building codes, manufacturer specifications, or industry standards.

Code-Related Requirements

Once existing materials are removed, local building code requirements may trigger additional work that was not apparent during the initial inspection.

Multiple Roofing Layers

Additional layers of roofing material are often discovered during tear-off, resulting in additional labor, disposal, and code-related requirements.

Structural Damage

Storm-related damage to framing, fascia, soffit, decking, or support components may not be visible until demolition is underway.

Will Insurance Pay for Additional Damage?

If the newly discovered damage is directly related to the covered loss and is supported by documentation, insurance carriers will often review the information and determine whether additional payment is warranted under the policy.

Every policy and claim is different, but the claims process is designed to address legitimate damages that could not reasonably have been identified during the initial inspection.

What Happens When Additional Damage Is Found?

When hidden damage is discovered, work may temporarily pause on the affected area while documentation is gathered.

The process typically includes:

Photographing the damage
Measuring and documenting affected areas
Preparing supporting estimates and documentation
Submitting a supplement request to the insurance carrier
Coordinating inspections if requested
Obtaining approval or direction from the carrier
Completing the repairs

Our goal is to document the issue thoroughly and keep the project moving as efficiently as possible.

How Upslope Contracting Helps

Many homeowners are unfamiliar with the supplement process and worry that unexpected damage will result in large out-of-pocket expenses.

Upslope Contracting helps eliminate that uncertainty by:

Thoroughly documenting hidden damages
Providing detailed photographs and measurements
Researching applicable building code requirements
Preparing supplement requests
Communicating directly with adjusters when necessary
Coordinating specialty trade estimates
Tracking approvals and claim updates

Because of our experience with both construction and insurance restoration, we understand what information carriers typically require and how to properly present it for review.

The Bottom Line

Discovering additional damage during construction does not necessarily mean the homeowner is responsible for unexpected costs.

Hidden damage is a normal part of many restoration projects, especially roofing and exterior claims. When legitimate covered damages are uncovered, they can often be documented and submitted to the insurance carrier for consideration.

At Upslope Contracting, we work to ensure that no covered damage goes unnoticed, undocumented, or unrepaired—so your home is restored completely, correctly, and in accordance with applicable codes, manufacturer requirements, and industry standards.

How long do I have to file a claim?

Quick Answer:

Claim reporting deadlines vary by policy and carrier. Damage should be documented and reported promptly to avoid potential coverage issues.

Typically, you have 1 to 2 years from the date of loss, or when the damages occured, to

Initiate the claims process
Completed all work prescribed in claim
Invoice for all work repaired
To be eligible to receive recoverable depreciation of the replacement cost value (RCV)

Dive Deeper:

The amount of time you have to file a property insurance claim depends on your policy language and insurance carrier requirements.

In many cases, homeowners have one to two years from the date of loss to report storm-related damages and initiate the claims process. However, every policy is different, and some carriers may impose shorter or longer deadlines.

For that reason, it is important to review your policy or speak directly with your insurance representative regarding your specific reporting requirements.

Why Acting Promptly Matters

Even if damage appears minor, delaying an inspection or claim can create complications later.

Prompt documentation helps:

Establish when the damage occurred
Preserve evidence of storm-related impacts
Prevent additional deterioration
Avoid disputes regarding the cause of damage
Protect your rights under the policy

The longer damage remains unaddressed, the more difficult it can become to distinguish storm damage from normal aging, wear and tear, maintenance issues, or damage from subsequent weather events.

What About Recoverable Depreciation?

Many homeowners policies provide Replacement Cost Value (RCV) coverage, which means part of the claim payment may be withheld as recoverable depreciation until repairs are completed.

Most carriers require homeowners to:

Complete the approved repairs
Submit final invoices and supporting documentation
Request any remaining recoverable depreciation within a specified timeframe outlined in the policy.

In many cases, homeowners have one to two years from the date of loss to complete repairs and recover withheld depreciation, although extensions may sometimes be available depending on the circumstances and carrier guidelines.

What Happens If I Miss the Deadline?

Failure to report damages, complete repairs, or submit required documentation within the applicable timeframes could result in:

Denial of portions of the claim
Loss of eligibility for recoverable depreciation
Coverage disputes
Reduced claim payments

Because policy requirements vary, homeowners should verify deadlines directly with their insurance carrier.

How Upslope Contracting Can Help

Navigating claim deadlines, documentation requirements, supplements, mortgage company requirements, and recoverable depreciation can be overwhelming.

Upslope Contracting helps homeowners by:

Performing timely storm damage inspections
Documenting damages with photos and reports
Assisting with claim initiation
Coordinating adjuster meetings
Tracking supplements and approvals
Providing final invoices and completion documentation
Assisting with recoverable depreciation requests

Our goal is to help ensure that important deadlines are not missed and that homeowners receive the full benefits available under their policy.

The Bottom Line

If you suspect storm damage, don't wait.

The sooner the damage is documented and evaluated, the better positioned you will be to understand your options, protect your property, and preserve any benefits available under your insurance policy.

When in doubt, schedule an inspection and ask questions early. Waiting rarely improves a claim, but acting promptly often does.

Do I have storm damage?

Quick Answer:

Not all storm damage is visible from the ground. Hail, wind, and flying debris can damage roofing, gutters, siding, windows, and other exterior components without causing immediate leaks. A professional inspection can help identify both visible and hidden damage

Dive Deeper:

Damages from a recent storm tell a story.

Hail, wind, falling branches, and wind-driven debris can damage your roofing system and exterior components without causing immediate leaks or obvious signs of failure. In many cases, homeowners are unaware that damage exists until months or even years later when a leak, missing shingle, or other issue becomes apparent.

Common Signs of Storm Damage

While some storm damage is obvious, many indicators require a trained eye to identify.

Common areas affected by storms include:

Roofing shingles
Metal roofing systems
Ridge caps and roof accessories
Gutters and downspouts
Siding
Window screens
Skylights
Flashings
Decks and railings
Paint and stained surfaces
Air conditioning equipment
Fences and outdoor structures

Why Doesn't My Roof Leak If It's Damaged?

One of the biggest misconceptions is that a roof must be leaking to have storm damage.

Many forms of hail and wind damage affect the roof's ability to protect your home long-term without causing an immediate leak. Damage may shorten the life expectancy of roofing materials, compromise waterproofing components, weaken seals, or accelerate deterioration over time.

By the time a leak becomes visible inside the home, significant damage may have already occurred.

Hail Damage Isn't Always Obvious

Hail impacts can fracture, bruise, or damage roofing materials in ways that are not visible from the ground.

Even experienced homeowners often cannot distinguish between:

Normal wear and tear
Manufacturing defects
Installation issues
Mechanical damage
Legitimate hail damage

This is why professional inspections are so important after significant weather events.

Wind Damage Often Goes Unnoticed

Wind damage is frequently overlooked because shingles may remain attached to the roof while sustaining damage to their seal strips, fastening systems, or structural integrity.

Lifted, creased, or partially detached shingles can allow water intrusion and may become more vulnerable during future storms.

Colorado Storms Can Affect More Than Just the Roof

In Colorado, hail and wind events often impact multiple components of the property simultaneously.

Damage may exist to:

Gutters and downspouts
Soft metals
Window screens
Siding
Paint and stain finishes
Skylights
Outdoor equipment
Detached structures

A comprehensive inspection evaluates the entire property—not just the roof.

How Upslope Contracting Can Help

Upslope Contracting provides professional storm damage inspections designed to help homeowners make informed decisions before filing an insurance claim.

Our inspections include:

Roof and exterior evaluation
Photo documentation
Identification of hail and wind damage
Assessment of repair versus replacement options
Estimated remaining roof life expectancy
Review of potential insurance claim considerations
Recommendations for next steps

Most importantly, if we don't believe the damage warrants a claim, we'll tell you.

Our goal is not to file claims unnecessarily. Our goal is to provide honest, professional information so you can make the best decision for your home and your situation.

The Bottom Line

If your property has been exposed to hail, high winds, or severe weather, the only way to know whether storm damage exists is through a thorough inspection.

The good news is that finding out is easy.

Schedule a free storm damage inspection with Upslope Contracting and receive an honest assessment of your property's condition, along with expert guidance on whether a repair, replacement, claim, or simple monitoring plan makes the most sense.

Can I keep the insurance money and not make repairs?

Quick Answer:

This depends on your policy, mortgage requirements, and the extent of the damage. However, unrepaired damage can lead to additional problems and may affect future coverage, claims, or property value.

Dive Deeper:

Maybe—but there are several important factors homeowners should understand before making that decision.

Whether you are required to complete repairs depends on your insurance policy, mortgage requirements, local regulations, and the extent of the damage.

While some homeowners choose not to make repairs, doing so can have significant financial and insurance consequences down the road.

If You Have a Mortgage

If your mortgage company is listed on the insurance check, they may require proof that repairs are completed before releasing all claim funds.

Because the lender has a financial interest in the property, they often want assurance that storm-related damage is properly repaired to protect the value of the home serving as collateral for the loan.

Depending on your lender, they may require:

Contractor contracts
Permits
Progress inspections
Final invoices
Photographs
Certificate of Completion

In some cases, claim funds may be held in escrow and released as repairs progress.

You May Not Receive All of the Claim Funds

Many policies include Replacement Cost Value (RCV) coverage, which means a portion of the claim payment is withheld as recoverable depreciation.

If repairs are not completed and properly documented, you may only receive the Actual Cash Value (ACV) portion of the claim and forfeit the recoverable depreciation.

This can represent thousands of dollars in unrecovered benefits.

Future Storm Damage May Not Be Covered

One of the most overlooked consequences of not making repairs is how it may affect future claims.

Insurance companies generally expect policyholders to mitigate damages and maintain their property.

If previously damaged components remain unrepaired, a future carrier inspection or claim investigation may determine that:

Damage was pre-existing
Damage resulted from deferred maintenance
Damage worsened due to lack of repairs
Certain areas are no longer eligible for coverage

This can complicate future claims and potentially reduce available coverage.

It May Affect Your Insurance Coverage

Many insurance carriers now use aerial imagery, drone inspections, third-party property reports, and underwriting inspections to evaluate risk.

If storm damage remains unrepaired, the carrier may:

Require repairs
Restrict coverage
Increase deductibles
Exclude certain portions of the property
Decline policy renewal

Every carrier has different underwriting guidelines, but unrepaired storm damage can become a concern during future policy reviews.

Property Value Can Be Affected

Visible storm damage can negatively impact:

Home value
Refinancing opportunities
Home inspections during a sale
Buyer confidence
Mortgage approvals

Many buyers and lenders view unrepaired storm damage as a significant risk.

What If I Want to Upgrade Instead?

Many homeowners use insurance proceeds to improve their property by upgrading to:

Class 4 impact-resistant roofing systems
Enhanced ventilation systems
Premium roofing products
Better gutter systems
Fire-resistant materials

In most cases, homeowners simply pay the difference between the insurance-approved scope and the upgrade cost.

How Upslope Contracting Can Help

Before deciding whether to make repairs, we recommend understanding:

What damage exists
The remaining life expectancy of the affected components
Your policy requirements
Mortgage company requirements
Recoverable depreciation eligibility
Potential future insurance implications

Our team can review your claim documents, explain your options, and help you make an informed decision based on your specific situation.

The Bottom Line

While you may have the ability to retain some claim proceeds depending on your policy and circumstances, storm damage rarely improves with time.

What appears to be a short-term savings can sometimes lead to larger repair costs, reduced insurance benefits, coverage restrictions, or property value concerns in the future.

Before deciding not to make repairs, make sure you understand the potential consequences and all of the benefits available under your policy.

An informed decision is always the best decision.

Will I Have Unexpected Out-of-Pocket Costs?

Quick Answer:

No. Transparency, clarity and honesty come are values we hold in the upmost importance. Our proposals clearly list and detail all labor and materials planned for your project. Unexpected damages may arise during the build process, but you will be notified immediately, a plan of action is made, and work order change is agreed upon before any works continues.

Dive Deeper:

One of the biggest concerns homeowners have during an insurance restoration project is whether they will be surprised by additional costs after the work is completed.

At Upslope Contracting, we work diligently to prevent those surprises.

Before construction begins, we communicate directly with your insurance carrier and assigned adjuster to review the approved scope of repairs, identify any missing items, discuss supplements when necessary, and work toward an agreed-upon scope and budget for the project.

Our goal is to ensure that all known storm-related damages, code requirements, project-specific conditions, and necessary repairs are properly identified and addressed before materials are ordered and work begins.

Why This Matters

Many homeowners assume that if their insurance company has approved a claim, every necessary repair has already been included in the initial estimate. In reality, additional items are frequently identified during the contractor's inspection and estimating process.

By addressing these items upfront, we can often:

Reduce delays during construction
Minimize billing disputes
Secure approvals before work begins
Clarify homeowner responsibilities
Avoid unexpected costs whenever possible

Transparency Throughout the Process

If we identify items that are:

Not covered by insurance
Considered maintenance-related
Requested upgrades
Betterments beyond the scope of restoration

We will discuss those items with you before proceeding so that you fully understand any potential costs and can make informed decisions.

Our Commitment

We believe homeowners should know what to expect before construction starts—not after the project is completed.

That is why Upslope Contracting works closely with homeowners, adjusters, specialty trades, and insurance carriers to establish a clear understanding of the project scope, anticipated costs, and available insurance funding before work begins.

While hidden damages and unforeseen conditions can occasionally arise during construction, our proactive approach helps minimize surprises and keeps everyone working from the same expectations.

The Bottom Line

Our objective is simple:

Restore your property correctly, secure approval for all legitimate covered repairs, and eliminate as many financial surprises as possible before construction begins.

By coordinating directly with your insurance carrier and adjuster throughout the process, Upslope Contracting helps homeowners move forward with confidence, knowing their project is being managed professionally from claim approval through final completion.