COLORADO
Roofing supplement and appraisal clause resources for Colorado contractors and homeowners.
APPRAISAL CLAUSE IN COLORADO
Colorado requires an appraisal clause in homeowner's insurance policies. The Colorado Division of Insurance oversees the process, and appraisal decisions are binding on both parties regarding the amount of loss. Colorado has seen significant litigation around appraisal rights, generally favoring policyholders' right to invoke the clause.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN COLORADO
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Colorado:
Mountain region labor rates in Xactimate don't reflect actual costs in resort areas
Hail damage to composite shingles is often undervalued or denied
Ice dam damage is frequently excluded despite being covered
High-altitude building requirements add costs that adjusters often miss
COMMON STORM TYPES
COLORADO TIPS
- Colorado's Front Range is one of the most hail-prone areas in the country
- Document ice dam damage separately from general water damage
- Steep-slope roofing in mountain areas requires additional safety equipment costs
- Colorado has specific regulations about contractor licensing - verify compliance