Introduction: Rethinking the Estimate Process
When dealing with storm or hail damage, many homeowners in Denver are told to collect multiple roofing estimates before filing an insurance claim. This widespread advice is not only misleading but can reduce the total value of your claim. Understanding the insurance scope, how payouts work, and how contractors interact with insurers will protect your investment and ensure your roofing repairs are handled with precision.
Why Insurance Estimates Don’t Benefit the Homeowner
Insurance companies frequently suggest homeowners obtain multiple estimates for storm-related roof repairs. However, they’re not legally required in most cases. Once an adjuster assesses the damage, your insurer generates a detailed “insurance scope.” This document outlines the repairs they’re willing to cover and includes pricing based on industry-standard software such as Xactimate.
What many Denver homeowners don’t realize is that insurance will only reimburse the actual amount spent, not the “approved” budget in the scope. If your claim covers $20,000 but you accept a $17,000 estimate, your insurer pays $17,000—not the full $20,000. Choosing a low bid won’t allow you to pocket the difference and could leave you with inferior workmanship or materials.
The Hidden Risks of Low-Bid Roofing Contracts
Selecting a contractor solely based on a lower estimate doesn’t just save your insurance company money—it may put your property at risk. Low bids can result in:
- Omission of required building code upgrades (like ice and water shields or drip edge)
- Ignorance of local permit requirements
- Use of substandard materials or inexperienced labor
These issues can lead to complications, denials of supplemental insurance claims, and ultimately, more out-of-pocket repairs.
Moreover, Denver roofers with deep experience in insurance work know how to review scopes for missing items. Without that insight, your payout may fall short of what you’re owed.
Why Sharing Your Insurance Scope With a Contractor Is Crucial
Your insurance scope isn’t just a quote—it’s a blueprint. Denver roofing contractors experienced in insurance work rely on it to:
- Identify any omissions or undervalued line items
- Submit supplement requests for hidden damage or code compliance issues
- Ensure compliance with Denver building codes
- Communicate effectively with both the insurer and mortgage company
By sharing your scope, you enable your contractor to fight on your behalf for a comprehensive repair—not just a quick fix.
You Pay the Same, No Matter the Estimate
With a standard homeowner’s insurance policy, your only out-of-pocket cost is typically your deductible. Whether your roof replacement costs $15,000 or $25,000, your contribution remains unchanged. The insurer covers the remainder.
Given that reality, choosing the cheapest estimate makes little sense. You should hire a company known for quality, experience, and warranty-backed service. Tried and True Roofing, a trusted roofing company in Denver, Colorado, offers deep knowledge of insurance processes and delivers exceptional workmanship built to last.
Choose a Roofer Who Works With Insurance—Not Around It
Instead of chasing multiple estimates, look for a roofing company in Denver that:
- Has experience reviewing and working with insurance scopes
- Uses the same software your insurance company does
- Communicates directly with insurance adjusters to maximize your claim
- Is familiar with Denver’s local roofing codes and compliance issues
The right roofer will focus on value, not just price. They’ll ensure your roof is restored fully and professionally, not just minimally.
Conclusion
Multiple estimates for storm-damaged roofs serve the insurance company, not the homeowner. The true key to maximizing your claim is partnering with an experienced, local roofing company that understands the insurance process from the inside out. Skip the bidding game. Focus on choosing a Denver roofing contractor that prioritizes quality, knows the ins and outs of insurance work, and ensures your property is restored to its full value with zero corners cut.