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.
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.
Why We Do Things Differently
The roofing industry has a reputation problem. Fixins was built around the exact opposite of stormchaser tactics.
Fixins Roofing
Typical Stormchaser
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
Claim Management Process
Free Inspection
We document all damage before you file, building your evidence package.
Claim Filing
We help submit a complete claim with photos and measurements.
Adjuster Advocacy
We meet your adjuster on-site to ensure nothing legitimate is missed.
Approved Restoration
Once approved, we restore your home for the cost of your deductible.
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.
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.
SOLA and wind/hail policies are offered by independent insurance providers. Fixins Roofing and Restoration does not sell insurance.
Insurance Claim Reviews
We Handle the Claim.
You Get Your Roof.
Free inspection. We will tell you honestly what your insurance covers and exactly what to expect.