Question 1

Does AC INC Roofing handle insurance claims?

Accepted Answer

AC INC Roofing is a licensed roofing contractor, not a public adjuster. We provide HAAG Certified inspections, detailed photo and written documentation of storm damage, and Xactimate-compatible scopes that homeowners and their insurance adjusters use to evaluate claims. We do not negotiate coverage, determine outcomes, or represent the homeowner to the carrier — those are roles of a licensed Colorado public adjuster or attorney.

Question 2

What documentation does AC INC Roofing provide for an insurance claim?

Accepted Answer

For every storm-damage inspection we deliver a written report, dated photo set keyed to roof slope and elevation, manufacturer documentation when applicable, and a Xactimate-compatible scope of work. Homeowners can share this packet with their insurance adjuster.

Question 3

How soon after a storm should I get my roof inspected?

Accepted Answer

We recommend an inspection within a few weeks of any significant hail or wind event. Most insurance carriers limit how long you have to file a claim after a storm, and damage is easier to attribute to the specific event when documented promptly.

Question 4

Will I be charged for a storm-damage inspection?

Accepted Answer

Routine storm-damage inspections are free. Detailed proof packages with measurements and manufacturer documentation are available at a published rate (see /pricing) and are most useful when an adjuster scope appears incomplete or code upgrades are involved.

Question 5

Will AC INC Roofing meet my adjuster on the roof?

Accepted Answer

Yes. We coordinate adjuster meet-ups at no charge so the inspector and the adjuster can review damage together. We share our documentation and discuss the scope of repair — the adjuster, not the contractor, determines what the carrier will cover.

Question 6

Why won't you tell me what my claim is worth?

Accepted Answer

Coverage and dollar amounts are determined by the homeowner's policy and their insurance carrier. As a licensed roofing contractor, AC INC Roofing is not licensed to estimate, appraise, or negotiate insurance losses on a homeowner's behalf. We can explain the documented scope of damage and provide pricing for the work; coverage questions belong with your carrier or a licensed Colorado public adjuster.

Question 7

What if my insurance company denies the claim?

Accepted Answer

A denied claim is not always the end of the conversation. A second HAAG Certified inspection and additional documentation may help a homeowner request a re-inspection or appeal through their carrier. For disputed denials we strongly recommend consulting a licensed Colorado public adjuster or insurance attorney — AC INC Roofing does not negotiate disputes.

Question 8

Can you waive my deductible?

Accepted Answer

No. Colorado law (CRS § 6-22-105) makes it illegal for a roofing contractor to pay, waive, rebate, or absorb all or part of a homeowner's insurance deductible. We follow the law on every project — the deductible is the homeowner's responsibility under their policy. A contractor that offers to waive a deductible is committing insurance fraud.

Question 9

How does the Colorado matching law affect my claim?

Accepted Answer

Colorado has matching language in CRS § 10-4-110.8 that addresses how insurers handle non-matching repairs to building materials. The application of that law to a specific claim depends on the policy, the carrier's position, and case law. We do not enforce or litigate matching disputes; for a coverage question we recommend speaking with your carrier or a licensed Colorado public adjuster or attorney.

Question 10

How do code upgrade endorsements work in a roof claim?

Accepted Answer

Many Colorado policies include an Ordinance or Law (Building Code Upgrade) endorsement that may pay the additional cost of bringing a damaged roof up to current code (for example, ice-and-water shield, drip edge, or upgraded ventilation). The exact coverage amount and trigger conditions vary by carrier and policy. We document any required code upgrades in our scope so the homeowner can confirm endorsement coverage with their insurance carrier.

Roof Insurance Claim Documentation