Storm Damage & Insurance

Insurance Claim Specialists


Storm damage to your home or business? We work directly with your insurance company from the first claim to the final nail — and we employ our own adjuster, so you never have to take the carrier's word for it.

Why It Matters

Most Contractors Wait on the Carrier

We don't. Three things separate a claim we handle from one you're left to manage yourself.

We Employ Our Own Adjuster

You don't have to rely strictly on what the insurance company tells you. Our adjuster looks at your loss independently and represents your side of it.

We Write Our Own Estimates

Using the same industry-standard software the carriers use — so the numbers are directly comparable and you get every dollar the project actually requires.

We Chase the Supplements

Projects turn up complications no one could have predicted. We pursue every supplement with the carrier so that work doesn't come out of your pocket.

Scope of Work

What a Storm Claim Covers

Hail and wind rarely stop at the roof. We inspect and document the whole envelope.

Roofing
Siding
Fascia
Gutters
Skylights
Windows

We take the turmoil and the headaches away from our clients.

— Refined Contracting LLC
Worth Knowing

What Gets Left Off a Claim

Most insurance companies have good intentions. That doesn't mean the first estimate is complete.

Code Upgrades Many adjusters don't include the code upgrades your municipality requires — work that isn't optional once the permit is pulled.
Specialty Roofing Requirements Steep pitch, complex valleys, specific underlayment systems — details a general estimate often misses but the job genuinely needs.
Damage Beyond the Roof Siding, fascia, gutters, skylights, and windows take the same hail. All of it belongs in the claim, documented properly.
What Tear-Off Reveals Rotted decking and structural damage don't show up until the shingles come off. Those become supplements — and we file them.
Side by Side

Who's Doing the Work

The difference isn't the shingles. It's who handles the paperwork and who argues the details.

 
On Your Own
With Refined Contracting
Who assesses the damage
The carrier's adjuster alone
Our adjuster, on staff
Who writes the estimate
Whatever the carrier sends
We do, in their own software
Code upgrades
Frequently left off
Identified and pursued
Supplements for hidden damage
You file them yourself
Handled on your behalf
Who talks to the carrier
You, every time
Us, claim through completion
Two Markets

Call for a Free Inspection

Storm damage inspections are free and carry no obligation. Reach the office nearest you.

Minnesota

Minneapolis / St. Paul

Twin Cities metro and surrounding communities

(612) 242-4213
Colorado

Denver Area

Denver metro and the Front Range

720-561-9000

Start With a Free Inspection

No pressure, no obligation — just an honest look at your property and a clear explanation of your options.

Denver Area · 720-561-9000
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