Question 1

Why does Colorado prohibit roofers from acting as public adjusters?

Accepted Answer

The combination of contractor incentives (more scope = more revenue) and adjuster authority (decides what the scope is) created widespread conflict of interest before SB 09-038 / CRS § 10-2-417 separated the roles. The current law protects homeowners from contractors who would inflate claim scopes for their own benefit.

Question 2

Is hiring a public adjuster always worth it?

Accepted Answer

Not always. The public adjuster’s percentage fee comes out of the recovery, so for small claims it can wipe out the additional dollars they recover. For large or contested claims — underpaid scopes, denials, depreciation disputes — the percentage often pays for itself many times over.

Question 3

Can AC INC Roofing recommend a specific public adjuster or attorney?

Accepted Answer

We can refer you to professionals we have worked with, but we never accept referral fees and we never sign joint contracts. The public adjuster works for the homeowner, not the contractor; we keep that line clean so the homeowner has independent representation.

Question 4

What does a public adjuster cost in Colorado?

Accepted Answer

Colorado law caps public-adjuster fees on residential claims; check the current cap with the public adjuster and on the Colorado Division of Insurance website. Typical fees we see in the field run 8–20% of the recovered claim.

Public Adjuster vs Roofer on a Roof Claim