Insurance Claim Inspection Services
Experienced Insurance Claim Inspection Broomfield
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Insurance Claim Inspection Services
Experienced Insurance Claim Inspection Broomfield
We’ve conducted insurance claim inspections across Broomfield and Westminster for 7 years, documenting storm damage on hundreds of homes. Our inspections follow the same methodology insurance adjusters use, which means we find damage they’ll recognize as valid. We photograph impact marks from angles that show depth and severity. We measure damage distribution across roof elevations. We document everything in formats insurance companies require for claim approval.
What We Inspect
We inspect all roof penetrations: chimneys, skylights, plumbing vents, and exhaust vents. Metal flashing around these areas shows hail dents clearly. Plastic or composite vents crack from impact. We check valleys where two roof slopes meet because these areas concentrate water flow and show damage patterns insurance adjusters look for.
We examine gutters, downspouts, and all metal trim. Hail dents metal components easily, and these dents prove storm severity. If your gutters are dented but your shingles aren’t, either you got lucky or the hail wasn’t large enough to damage roofing. If both are damaged, that’s strong evidence supporting your claim.
We inspect siding on all four elevations of your home. Fiber cement cracks from hail impact. Vinyl dents or cracks. Wood shows divots and split grain. We photograph siding damage from multiple angles showing impact patterns that match roof damage.
Ground-level components matter too. We check fence posts, deck railings, air conditioning units, and outdoor light fixtures. If hail was severe enough to dent your AC condenser, it definitely damaged your roof. This supporting evidence strengthens claims when adjusters question roof damage severity.
We inspect attics from inside when accessible. Water stains on decking or rafters indicate active leaks. Wet insulation shows where water is penetrating. Sometimes exterior damage looks minor but interior evidence proves the roof is failing. We’ve found hidden damage in Broomfield Heights and Aspen Creek attics that homeowners didn’t know existed.
Our Inspection Process
Our inspection process for insurance claim inspections in Broomfield starts with scheduling. After storms sweep through, we’re booked solid for weeks. Call immediately after damage occurs because insurance claims have time limits, usually one year from date of loss. The sooner you document damage, the stronger your claim.
We arrive with professional equipment: high-resolution cameras, drones for hard-to-reach areas, measuring tools, and tablets loaded with inspection software. We don’t rush. Most inspections take 45-60 minutes depending on home size and damage extent. Compare that to insurance adjusters who spend 15-20 minutes and miss half the damage.
We walk the entire roof, not just visible areas from the ground. We check every slope, every penetration, every valley. We use test squares to count impact marks per 10×10 foot area, which is exactly how insurance adjusters determine replacement approval. The “Rule of 8” or “Rule of 10” means 8-10 impacts per test square qualifies that elevation for replacement.
We document everything with photos and notes. Each impact mark gets photographed showing its location and severity. We take wide shots showing damage distribution across the roof. We photograph from multiple angles so depth and compression are visible. We’ve learned through experience which angles insurance companies accept as valid evidence versus which ones they dispute.
We inspect from the ground using high-powered zoom lenses and drones when roof access is unsafe. Steep slopes, wet conditions, or structural concerns sometimes prevent walking the roof. Technology lets us document damage without risking injury. We’ve inspected homes across Willow Run, Northmoor Estates, and Brandywine safely regardless of roof pitch or access challenges.
We explain what we find as we go. You’ll know whether you have claim-worthy damage before we leave. We point out impact marks, show you damaged components, and explain what insurance adjusters will look for when they inspect. Education matters because you’re the one dealing with your insurance company, not us.
Working With Your Insurance
Working with your insurance company starts after our inspection is complete. We provide you with a comprehensive damage report including all photos, measurements, and notes. This documentation is yours to submit with your insurance claim or hold for when the adjuster visits.
Some homeowners file claims before getting our inspection. Others get our inspection first, then file if damage warrants it. Either approach works, but having professional documentation before filing strengthens your position. You walk into the claim process with evidence already prepared.
When your insurance company schedules an adjuster visit, we can attend that meeting. This is separate from the inspection service but highly recommended. Adjusters work fast and sometimes miss damage or undercount impacts. Having us present ensures nothing gets overlooked. We know what adjusters look for and can point out damage they might miss.
Our inspection report helps you understand what to expect from your claim. If we documented severe damage across all elevations, you’re probably looking at full roof replacement approval. If damage is isolated to one slope, expect partial replacement. If impact counts fall below threshold, your claim might get denied for insufficient damage.
We help you avoid filing claims that will get denied. Not every storm causes claim-worthy damage. Filing frivolous claims wastes your time and can affect your insurance relationship. We’ve inspected homes in Cotton Creek, Countryside, and across Broomfield Country Club where storms caused minor damage that didn’t meet replacement thresholds. We told homeowners honestly that filing wasn’t worth it.
Insurance companies sometimes request re-inspection when they dispute our findings. We’ll come back and photograph additional evidence if needed. We’ve had claims initially questioned and then approved after we provided supplemental documentation showing damage the adjuster’s quick visit missed.
After the Inspection
After the inspection is complete, you receive a detailed report within 24-48 hours. Digital delivery means you have documentation immediately available for your insurance company. The report includes organized photos sorted by component and location, written damage assessment noting impact counts and severity, measurements of affected areas, and recommendations on whether damage warrants filing a claim.
You’re under no obligation to hire us for repairs. The inspection is free regardless of whether you use ATS Exteriors for the work. We provide this service because properly documented claims close faster and at full value, which benefits everyone. Homeowners with good documentation are more likely to get approved, and approved claims mean they need contractors to do the work.
Most homeowners who get our inspections do hire us for repairs because they’ve already seen our professionalism and expertise. But the inspection stands alone as a valuable service even if you choose another contractor. We’ve provided inspection reports to homeowners who used our documentation to get claims approved and then handled repairs themselves or hired other companies.
The inspection report helps you make informed decisions. If damage is severe, file immediately and start the repair process. If damage is borderline, you can wait and monitor whether problems develop. If damage is minimal, you saved yourself from filing a claim that would have been denied anyway.
We stay available for questions after inspection. Insurance companies sometimes call with questions about our documentation. Adjusters might want clarification on photo locations or damage descriptions. We respond quickly to any follow-up requests because we want your claim approved correctly.
Some homeowners use our inspections for preventive purposes. After storms hit nearby neighborhoods, they want to know if their home sustained damage even if they haven’t noticed problems yet. Early detection prevents small damage from becoming major leaks. We’ve found hidden damage on homes across Broomfield and Westminster where owners had no idea anything was wrong.
Why Get a Professional Inspection
Professional insurance claim inspections in Broomfield dramatically increase approval rates compared to homeowner-submitted claims. Insurance companies know most people don’t understand what constitutes valid damage documentation. They count on poor evidence to deny claims.
Our inspections use the same methodology adjusters use, which makes our findings credible. We speak their language. We document in formats they recognize. We count impacts the way they count impacts. When our report says a roof qualifies for replacement under the Rule of 8, adjusters can’t easily dispute it because we used their own criteria.
Time matters in Colorado’s insurance market. Hail damage that goes unrepaired for months becomes disputed. Did it happen in the recent storm or an earlier one? Was there really that much damage or has it worsened from normal wear? Professional inspection immediately after storms timestamps evidence that proves damage resulted from specific events.
Rebecca and Jeff Stakes personally conduct or oversee every inspection. Their 15+ years of roofing experience means they recognize damage patterns and failure modes that matter for insurance purposes. They know what’s storm damage versus aging. They know what adjusters approve versus deny.
Ready to Document Your Storm Damage?
Call ATS Exteriors today to schedule your free insurance claim inspection. We’ll thoroughly document all damage, provide professional photo evidence, and give you an honest assessment of whether filing a claim makes sense. Whether you hire us for repairs or not, you’ll have the documentation you need for insurance approval.
Your satisfaction is guaranteed. If you’re not happy, we’ll make it right.
Broomfield Insurance Claim Inspection Questions Answered
Questions & Answers
Our inspections take 45-60 minutes and document every detail with professional equipment. Insurance adjusters spend 15-20 minutes and work for the company paying the claim, not you. We use high-resolution cameras with macro lenses that capture impact depth and material compression. We walk the entire roof checking every slope, penetration, and valley. We use test squares to count impacts the same way adjusters do. We photograph from angles that show three-dimensional damage, not just surface marks. We organize documentation by component and elevation matching how estimates get written. Adjusters work fast because they’re juggling dozens of claims. They miss damage that’s not obvious from quick visual inspection. We find everything because we’re invested in thorough documentation. Our inspections follow adjuster methodology but with more time and better equipment. When adjusters see our reports, they can’t easily dispute findings because we used their own criteria.
We use professional-grade cameras with macro lenses for detailed impact photography, drones for hard-to-reach areas and steep slopes, measuring tools including laser distance finders for accurate square footage, tablets loaded with inspection software that organizes photos and notes, test squares for counting impacts per 10×10 foot area, and ladders rated for professional roofing work. We don’t use cell phone cameras. The detail required for insurance documentation demands professional equipment. We photograph each impact mark with rulers or coins for scale. Wide-angle shots show damage distribution across elevations. Drones let us inspect safely when slopes are too steep or wet conditions make walking dangerous. Everything gets time-stamped with metadata proving when documentation occurred. We’ve invested thousands in equipment because proper documentation requires professional tools. Cell phone photos from the ground don’t cut it when insurance companies are looking for reasons to deny claims.
Yes, when is it nessecary, we can inspect from the ground using high-powered zoom lenses and drones when roof access is unsafe. Steep slopes, wet conditions, structural concerns, or certain roof materials sometimes prevent walking. Technology lets us document damage without risking injury to our team or additional damage to your roof. Drones provide close-up photography from angles that show impact severity. Zoom lenses capture detail from ground level. We’ve inspected homes across Broomfield and Westminster safely regardless of roof pitch or access challenges. Walking the roof is preferred when safe because hands-on inspection catches details cameras might miss. But we never compromise safety. If conditions are unsafe, we use alternative methods that still provide thorough documentation. Insurance companies accept drone photography and ground-based zoom documentation when properly done. The key is capturing detail that proves damage severity regardless of inspection method.
Get inspections as soon as possible after storms, ideally within days or weeks. Insurance claims have time limits, usually one year from date of loss, but waiting months weakens your claim. The sooner you document damage, the stronger your evidence that it resulted from specific weather events. If you wait six months and then file, adjusters scrutinize whether damage is actually from the reported storm or from normal wear that developed later. Early documentation timestamps evidence proving damage existed immediately after the event. After major hail storms sweep through Broomfield, we’re booked solid for weeks. Call immediately after damage occurs to get on the schedule. Don’t wait until you decide whether to file a claim. Get the inspection done, receive documentation, then make informed decisions about filing. Waiting until adjuster visits are scheduled often means scrambling for evidence when you should have had it ready weeks earlier.
Our inspection reports include organized photos sorted by component and location, written damage assessment noting impact counts per test square, measurements of affected areas including roof square footage and siding elevations, material type identification for accurate estimating, damage severity ratings for each component, pre-existing condition documentation separated from storm damage, recommendations on whether damage warrants filing claims, and time-stamped metadata proving when inspection occurred. Photos are sorted by elevation matching how adjusters write estimates. Impact counts are noted for each test square. Measurements feed directly into Xactimate software adjusters use. Everything is organized professionally so insurance companies can easily use the documentation. We deliver reports digitally within 24-48 hours after inspection. You get files you can email to insurance companies or print for adjuster meetings. The report is comprehensive enough that adjusters take it seriously but organized enough they don’t ignore it because it’s confusing.
No, you’re under no obligation to hire us for repairs. We provide this service because properly documented claims close faster and at full value, which benefits everyone. Homeowners with good documentation are more likely to get claims approved, and approved claims mean they need contractors. We’re confident our professionalism during inspection will make you want to hire us, but the inspection stands alone as valuable service even if you choose other contractors. We’ve provided inspection reports to homeowners who used our documentation to get claims approved and then handled repairs themselves or hired other companies. We’d rather you have good documentation and hire someone else than have poor documentation that gets your claim denied. Most homeowners who get our inspections do hire us because they’ve already seen our expertise, but it’s never required.
Yes, we can attend adjuster meetings, but that’s separate from the initial inspection service. The inspection gives you documentation to submit with claims or hold for later. Attending adjuster meetings is part of our insurance claim assistance service. We highly recommend having us present because adjusters work fast and sometimes miss damage or undercount impacts. We know what they’re looking for and can point out damage they might overlook. We speak their language and understand their estimating methodology. Some adjusters appreciate contractor presence because it speeds their work. Others resent it because they can’t lowball estimates as easily. Either way, having us there ensures nothing gets missed. We’ve attended hundreds of adjuster meetings across Broomfield and Westminster. We know the adjusters who work this area and their typical approaches. Our presence often means higher initial estimates and fewer supplements needed later.
Adjusters sometimes find additional damage we missed or interpret damage severity differently. That’s fine. Our inspections are thorough but not infallible. If adjusters find more damage, that helps your claim. If they find less damage or dispute severity, we compare their findings to our documentation and discuss differences. Sometimes adjusters are right and we overcounted. Sometimes we’re right and they undercounted. Professional disagreement gets resolved through evidence. We photograph impact marks with scale references. We count impacts using the same test square method they use. We note locations clearly. When disputes arise, we reference our documentation and ask adjusters to explain their reasoning. Usually differences get resolved through conversation. Occasionally we need to submit supplements with additional photos proving damage they missed. The point of professional inspection isn’t that we’re always 100% right. It’s that we provide credible documentation adjusters must address rather than dismiss.
We determine claim-worthiness by comparing documented damage to insurance company thresholds and your deductible. If we count 8-10 or more impacts per test square on a roof elevation, that typically qualifies for replacement under most carriers’ rules. If impact counts fall below threshold, claims usually get denied for insufficient damage. We look at damage extent across all elevations. Sometimes one slope has claim-worthy damage while others don’t. We consider your deductible. If repairs cost $3,000 and your deductible is $2,500, filing might not be worth it. We assess whether damage is sudden and unexpected versus normal wear. Insurance covers storms, not aging. We’ve inspected homes in Broomfield where storms caused minor damage that didn’t meet replacement thresholds. We told homeowners honestly that filing would waste time and probably get denied. We’ve also found severe damage where homeowners weren’t sure if filing made sense. We give honest assessments based on 15+ years of experience with Colorado insurance claims.
Nothing happens. You keep the documentation for your records. Maybe damage is minor and doesn’t warrant filing now. Maybe you decide to monitor whether problems develop. Maybe you’re close to selling and don’t want claims on your record. Whatever the reason, the inspection report is yours to use or not use. Some homeowners get inspections after storms for peace of mind. They want professional confirmation that their roof is fine or that damage exists. The documentation stays on file. If you later notice leaks or problems, you have timestamped evidence proving when damage occurred. If you sell the home, you can provide inspection reports showing roof condition. If future storms cause additional damage, you have baseline documentation separating old from new damage. The inspection has value beyond just filing claims. It’s a professional assessment of your property’s condition after a weather event. What you do with that information is entirely your choice.
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