Have Roof Damage & Need Storm Claim Assistance? Canon City

Maybe it's a free roof inspection or a free evaluation of the replacement plan in your claim summary...

When you work with DiRito Roofing and Claims to manage your storm damage you get more than roofing repair, you get experience of thousands of reviewed, supplemented, and closed storm claims.

Roofing Insurance Claims Assistance, and Professional Roofing Contractors

Areas We Serve:

Are you located in Pueblo, or Pueblo West? Maybe Penrose, Florence or Cañon City , We want you to know that you can still be a valued customer.  We have a network of amazing installers and contractors we work with. 

Claim Assistance and Support Services:

As a Valued Customers we offer claims support and services during this time. Nobody expects to have storm damage from Hail, Wind, Freezing or floods, but it does happen.

New Roof Replacements:

Roofing Insurance Repairs - It can feel like a mine-field with no manual to get through it.  Sometimes a repair can suffice, but maybe not. 

We Realize that this is a stressful time, and the insurance claim process is not an experience most people want to get good at.  We are not adjusters, but maybe we can help you get it completed. 

Areas we can assist you with:

End to End Project Management Services  to include Construction, Contracting, Insurance Experience, and Claim Support for you, our customers. 

Ours services for exceed the actual replacement of your roof.  We have people ready to help you get your storm damaged roof repair per proper building code and work successfully with your carrier (Damage Discussion and Recovery Plan)

Our Initial Roof Repair Evaluation of your potential Storm Damage: 

A. Damage, Yes or No - It is possible that you have damage from age, or wear this is usually after years of covering your home.  If this is the case, it means that you do not have storm damage and it may be denied. It's likely that your insurance adjuster will deny it.  It is important that we be honest and fair with you.  If so, we will offer an estimate to replace your roof to a 100% A Ok Status. 

B. Definite Roof Damage. possibly from storms - When this happens, we will assist you as needed and expressed by you the customer. We will stand by you, so you are not alone.  This may simply be helping you make your first call to get your claim started , setup.  This ensures that you have successfully started your claim with your insurance carrier, starting at the beginning.

We are not public adjusters.

Your Adjuster Visit, do you need a contractor that works with your carrier to support you?  

We will stand by our repair recommendations and work with your adjuster to ensure that we communicate what we see based on our experience and knowledge of storm damage and that they have the opportunity to see and approve all your damage, if they agree...

Your Claim Summary, 

If you had an adjuster visit then you either had a denial or you have a valid claim. 

At DiRito Roofing and Claims,  we evaluate your claim response (denial or approval) to ensure that all damaged/replacement items are on the claim report provided to you. In summary, this means you get the correct amount of  claim funds to properly (construction, building codes, manufacturer standards) to fully resolve the damage to your home from the storm.  We are there to help you get a solid understanding of the recovery process including the construction, your claim, and even mortgage issues that may keep you from getting it completed. 

Terms you should know:

(Assumptions, we are not the insurance carrier or the adjusters (Independent or Public), this is based on our experiences, and knowledge, we are Licensed Contractors in Fremont County, Canon City, and Florence Colorado, and surrounding areas like Penrose.  We cannot make your insurance agree with you, but we can provide you support)

• Storm Damage: Obviously if you are home, you know when it happened and how bad it could be. However if you were sleeping, or on vacation, or working, it may be unknown or a mystery until something brings your attention to the damage.  If it was a tornado, it almost always includes hail, wind, and rain but you must bring that up in your claim. 
• Date of Loss: This is very important! If you don't know hopefully the roofer or the adjuster will help you find the correct date of loss.  Otherwise it may not qualify with the carrier.
• Deductible - This is the agreed amount you stated you would pay if you had damage. What is it and why do I have to pay it?  Usually it's in your policy, check your carrier.
• Depreciation - How did they get that amount to deduct from my claim? Much is decided by the adjuster. 
• Actual Cash Value - Usually called ACV, is this the amount I have to do my roof with, or is there more? It is what your roof is worth today subtracting your usage
• Replacement Cost Value - Usually Called RCV, why is this the most important number in my claim? It means that a qualified contractor will have enough funds to fully repair or replace your damage, it includes the deductible, any supplements, and the full cost to replace your roof
• Contractor Overhead and Profit - Is that something I pay the contractor? When you have various trades involved, a GC is paid using the O and P. 
• Unused Claim Funds from incomplete work - Do they go away? Most times they are available for a period until you find a contractor to get the work complete. 
• Claim Expiration - When does my money expire or my claim? See your carrier it may be different

Did you have Recent High Winds or Hail:

Are you concerned about roof damage to your home because of hail or high winds, please feel free to call us .  We can  help you  evaluate any possible storm related damage to your roof and property.

We Cannot Make Your Insurance Pay You: 

Please remember we are only giving you our opinion from a large set of experiences. We offer experience and communicate what we feel is storm related damage. 

We don't guarantee that the insurance adjuster will come to the same conclusion or result. 

Storm Damage is not an exact science, as hail is not all the same size and wind is not pervasive nor 100% in a certain area. If nobody reports an event, as small towns typically have no agents that report to the government,  there is no record except the official report of the National Weather Service or NOAA.  It doesn't mean it didn't happen. 

This is a people business, meaning everyone has an opinion and this is not exact even if they have certifications. I have seen roofs with full claims, and I cannot find damage, conversely, I have seen pervasive damage and the Adjuster touts that the area has never had hail. Ultimately its the roofer that fully removes the roof and fully replaces the roof that sees and knows the extent or validity of the wind, hail, or storm damage. 

* In my professional experiences, Adjusters and Engineers have never replaced roofs, are never licensed contractors, or have any contractors experiences involving roof repair or replacement.  

*Based on my one-on-one experiences, their role is to arrive onsite, superficially evaluate any claimed damage (based on reports, records, appearance, feel or HAAG standards), and report back to the carrier.  Most have limited construction background, the Engineers may have a PE License or HAAG Certificate.  

It's Unpredictable: I believe there needs to be a cohesive connection across all disciplines for success in this industry between the construction, claims, and engineering to get a quality predictable result. The typical lack of connectivity within the disciplines are the reasons for the true complexities in the industry and it lack of any standards during the claims evaluation process. 

Were you denied on your damage claim and still believe you have damage? 

If someone (Us or another company) evaluated your roof and advised you to file a claim and the claim was denied we are willing to meet and provide you a second opinion and even work with with your insurance company to re-inspect your damage to show them why it was felt that you had damage to claim. 

Call 719-431-0818 to find out more.