Question 1

Can AC INC Roofing get my denied claim reopened?

Accepted Answer

We can give you better documentation that you (or your licensed representative) can present to the carrier. We cannot reopen the claim ourselves — that requires the homeowner or a licensed public adjuster or attorney to deal directly with the carrier. Some denials reverse after a re-inspection produces materially better documentation; some do not.

Question 2

What is a public adjuster and how is that different from a roofer?

Accepted Answer

A public adjuster is a professional licensed by the Colorado Division of Insurance to represent the policyholder in dealings with the insurance carrier. They negotiate scope, dollar amounts, and disputes; they are paid a percentage of the recovered claim. A roofing contractor inspects the roof, documents damage, and installs repairs — Colorado law (CRS § 10-2-417) makes it illegal for a roofer to act as a public adjuster.

Question 3

Do you charge for a second-opinion inspection on a denied claim?

Accepted Answer

A routine second-opinion HAAG Certified inspection is free. A detailed proof package — with measurements, manufacturer documentation, code citations, and a written rebuttal of specific denial language — is available at a published rate. The proof package is what we typically recommend on a denied or underpaid claim.

Question 4

Is there a deadline to challenge a denial?

Accepted Answer

Yes. Colorado has statutory deadlines for both unfair-claims-settlement claims (CRS §§ 10-3-1115/1116) and standard breach-of-contract claims arising out of an insurance policy. The deadlines are short relative to typical roofing timelines — consult a licensed public adjuster or insurance attorney about the deadline that applies to your specific policy and claim.

After a Roof Insurance Claim Denial