# Insurance Claims Canonical: https://www.fixinscontracting.com/insurance-claims/ Maximize your roof insurance claim in Colorado Springs. We document damage, meet your adjuster & fight for full RCV. Pay only your deductible. (719) 641-5969. ![Aerial view of a complex slate-look shingle roof with copper-capped turrets on a large home](https://www.fixinscontracting.com/wp-content/uploads/2026/08/insurance-hero-slate-roof-turrets.jpg) [Home](/)/Insurance Claims # Insurance Claims, *Handled For You* We manage the entire process so you receive every dollar your policy entitles you to. Zero fraud, zero pressure, complete transparency. Insurance Made Simple ## Do Not Leave Money *on the Table* Most Colorado Springs homeowners significantly underestimate what their policy covers. Beyond the roof, roofing, siding, gutters, windows, screens, doors, decks, fences, outbuildings, solar, and HVAC may all be covered under a single storm event claim. We capture all of it. #### ACV vs. Replacement Cost Value Some homeowners carry an Actual Cash Value (ACV) policy, and depending on your deductible and the age of your roof, that can mean paying significantly more out of pocket, so it pays to understand your coverage before you file. Your insurer's first payment is Actual Cash Value, the depreciated value of your roof. Once replacement work is complete, we submit all required documentation to trigger the release of the depreciation holdback, giving you the full Replacement Cost Value you have been paying premiums for. This is often thousands of dollars more than the initial check. #### Full Property Documentation We document every storm-affected item on your entire property: roofing, siding, gutters, windows, screens, doors, decks, fences, outbuildings, solar, and HVAC, plus condenser, exterior paint, fascia, skylights, and interior water damage in the home and the attic. Every item goes on a single comprehensive scope, maximizing your total payout beyond just the roof. #### Zero Fraud, Always We never inflate claims, never waive deductibles, and never misrepresent damage. Deductible waiver is insurance fraud. It is illegal and puts your long-term coverage at serious risk. Fixins will never ask you to participate in fraud, and we will not work with clients who expect us to. #### Adjuster Representation We attend your insurance adjuster inspection with our own complete documentation and advocate for every covered item. Adjusters represent the insurance company's financial interests. We represent yours. Our presence changes the outcome of these meetings significantly, regularly resulting in approved scopes that are substantially larger than homeowners receive when they meet with adjusters alone. Red Flags: Walk Away Immediately - Contractor offers to waive or cover your deductible - No local office or permanent local phone number - Cannot provide a current license or Certificate of Insurance - Vague or evasive about which materials they plan to install - Arrived unsolicited at your door immediately after the storm - Asks you to sign a contract before your adjuster has visited - No manufacturer certifications on file - Promises a specific payout before seeing your property As a licensed General Contractor, Fixins documents and claims the full scope of storm damage across your entire property, not just the roof, so you receive the complete replacement cost your policy entitles you to. [Start With a Free Inspection](/contact/) Fixins vs. Stormchasers ## Why We Do Things *Differently* The roofing industry has a reputation problem. Fixins was built around the exact opposite of stormchaser tactics. #### Fixins Roofing Gold Award, Best Roofer in Colorado Springs 2025 50-year Malarkey warranty, exclusive to certified contractors Every job permitted by Pikes Peak Regional Building Dept Ice and water shield compliance above 7,000 ft Zero deductible fraud, ever Full GC scope: roofing, siding, gutters, windows, doors, decks, fences, outbuildings, solar, and HVAC in one claim Permanent Colorado Springs office and crew accountability #### Typical Stormchaser No local recognition or community track record Standard 5-year warranty with no manufacturer backing Permits skipped to save cost, liability falls on homeowner No knowledge of Colorado altitude code requirements Offers to waive your deductible, which is insurance fraud Only handles the roof, leaves everything else unclaimed Gone by spring with no warranty follow-through ![New shake-profile shingle roof on a stone-and-siding home documented for an insurance claim](https://www.fixinscontracting.com/wp-content/uploads/2026/08/insurance-shake-roof-stone-home.jpg) Maximize Your Claim ## Insurance Claim Management Most homeowners leave money unclaimed after a storm because they do not know what their policy covers. As a licensed GC, Fixins documents every affected item, attends the adjuster meeting, and fights for the full Replacement Cost Value your premiums have funded. - Complete documentation of roofing, siding, gutters, windows, screens, doors, decks, fences, outbuildings, solar, and HVAC - We attend the adjuster meeting to advocate for full scope - Supplement filing when adjusters miss legitimate damage - You pay only your deductible. There are no surprise costs, and you get full cost transparency. Many homeowners use their insurance money to invest in their home and upgrade to better materials. There are no surprise costs, with full cost transparency. Use your insurance money to invest in your home and upgrade materials How It Works ## Claim Management Process 01 #### Free Inspection We document all damage before you file, building your evidence package. 02 #### Claim Filing We help submit a complete claim with photos and measurements. 03 #### Adjuster Advocacy We meet your adjuster on-site to ensure nothing legitimate is missed. 04 #### Approved Restoration Once approved, we restore your home for the cost of your deductible. Hidden Coverage ## What Most Homeowners Miss Your policy likely covers far more than the roof itself. #### Exterior Damage Siding, gutters, windows, screens, doors, decks, fences, outbuildings, solar, and HVAC are often storm-damaged and claimable. #### Code Upgrades Many policies pay for code-required upgrades during a covered replacement. #### Full RCV We fight for Replacement Cost Value, not depreciated Actual Cash Value. Insurance Partner ## Extra Protection for *Hail Season* Colorado homeowners can now add a dedicated wind and hail policy through SOLA, a supplemental hail policy designed to help cover your deductible and provide additional funds toward a hail claim. We connect clients with Kelli Holt, a long-time local Farmers insurance agent, for questions about coverage. [Get a SOLA Hail Quote](https://www.solainsurance.com/get-quote/kholt@farmersagent.com) SOLA and wind/hail policies are offered by independent insurance providers. Fixins Roofing and Restoration does not sell insurance. Customer Experiences ## Insurance Claim Reviews “ Mike is wonderful, very knowledgeable and easy to work with. Very helpful to check through insurance claims to make sure items were not missed and help amend for insurance to include in claims. Christian Brothers Landscape Five-star Google review · Insurance Claim “ I had a wonderful experience with Fixins Roofing. From the start to completion, everyone I worked with was friendly, knowledgeable, professional and responsive. They worked with my insurance company to ensure that I got the best possible outcome from my claim which was great since I don’t know roofing…or insurance. I also needed some painting done on the soffits and trim as well as new gutters. Fixins coordinated both so that they… Nancy Prieve Five-star Google review · Insurance Claim “ We recently had our roof replaced by Fixin Roofing & Restoration, and we couldn’t be happier with the experience. Matt and his team were professional, worked quickly, and did a great job cleaning up afterward. Communication was excellent throughout the entire process, both Matt and Mike were quick to respond to texts and kept us informed every step of the way. One thing we especially appreciated was how they handled the insurance… Kristy Butterfield Five-star Google review · Insurance Claim “ I wanted to recommend a roofer for those who may need one. We waited a while to get our roof done after the storm last year, and we went with Fixins Home Services, the roofer recommended by our insurance agent. The whole team was very responsive and did quality work. They were also able to work with our insurance company to get us upgraded to Class 4 shingles at no extra cost to us, which will get us a discount on our home insurance… Dave Grim Five-star Google review · Insurance Claim “ I have used Tony and Brittany and team at Fixins twice over a period of many years and both times they have preformed superior. They come to the challenge everytime meeting with insurance companies handling claims and getting the job done. They keep the work site clean and hire employees that are professional, respectful and courteous. I have never had any concerns or problems with anyone of them on the job. I would recommend them… Cathy Orlando Five-star Google review · Insurance Claim 01 / 05 ## We Handle the Claim. *You Get Your Roof.* Free inspection. We will tell you honestly what your insurance covers and exactly what to expect. [Schedule Free Inspection](/contact/)[(719) 641-5969](tel:+17196415969)