Insurance Claims Without the Runaround.
10+ years of claims experience, Xactimate-certified estimates, and the honesty to tell you when you don't have a claim.
Your Insurance Company Has Experts. You Should Too.
When you file a roof damage claim, your insurance company sends a trained adjuster with Xactimate software, years of experience, and a financial incentive to minimize your payout. Most homeowners face that process alone — or with a contractor who's never seen an Xactimate estimate.
Sterling has been on the other side of that table for 10+ years. He uses the same Xactimate software, speaks the same technical language, and is in your corner advocating for your best interest every step of the way. The difference? He's working for you.
What Sets Our Claims Process Apart
Xactimate-Certified Estimates
We write our estimates in the same software and pricing database your insurance company uses. No translation needed. No pricing disputes.
On-Site Adjuster Meetings
Sterling meets your insurance adjuster at your property to walk through the damage together. Nothing gets missed, nothing gets glossed over.
Supplemental Claims
If your adjuster misses damage or undervalues the repair, we file detailed supplemental claims with photographic evidence and line-item documentation.
Honest Damage Assessment
We won't manufacture damage to create a claim. If your roof has 5 hail hits on a test square when it needs 8, we'll tell you. Our reputation matters more than one job.
Insurance Claim Myths — Busted
Misinformation costs homeowners thousands. Here's the truth.
Myth: "Filing a claim will raise my rates."
Truth: In Colorado, insurance companies cannot raise your rates for weather-related claims. It's state law. Your premium is based on your area's risk profile, not your individual claims history for acts of nature.
Myth: "My insurance company will take care of everything."
Truth: Your insurance company's job is to minimize what they pay out. They're not your advocate — they're a business. Having a contractor who speaks their language and uses their software levels the playing field.
Myth: "I should get multiple estimates before filing."
Truth: Insurance claims don't work like regular estimates. Your claim payout is based on Xactimate pricing, not contractor bids. What matters is having someone who can accurately document the damage in the format your insurance company expects.
Myth: "The cheapest contractor saves me the most money."
Truth: On an insurance claim, you're not paying the difference — your insurance is. Choosing a cheap contractor means you're leaving money on the table and getting inferior materials. Your policy covers quality work.
Frequently Asked Questions
How long do I have to file a hail damage claim in Colorado?
Most policies give you one year from the date of the storm. However, we strongly recommend filing as soon as possible. The longer you wait, the harder it becomes to prove the damage was storm-related rather than wear and tear.
What is Xactimate and why does it matter?
Xactimate is the industry-standard software used by insurance companies to estimate repair costs. It costs thousands of dollars annually — which is why most contractors don't have it. We do. This means we can write estimates in the exact format and pricing your insurance company uses, which dramatically reduces disputes and delays.
Will I have to pay anything out of pocket?
You will be responsible for your deductible — this is required by your insurance contract and is paid directly to RMC Exteriors, not to your insurance company. Beyond that, a properly documented claim should cover the full cost of restoration with quality materials. We never ask you to pay the difference between cheap materials and good ones.
What if my insurance company denies my claim?
If we've documented legitimate damage and your claim is denied, we'll help you through the appeals process. We've been through this hundreds of times and know how to present the evidence effectively. That said, if we don't think you have a valid claim, we'll tell you upfront.
Do you handle the entire insurance process?
We handle the documentation, Xactimate estimate, adjuster meeting, and any supplemental claims. You'll need to file the initial claim with your insurance company (we'll walk you through it), and you'll need to sign off on the work. But the heavy lifting? That's on us.
Think You Have Storm Damage?
Don't wait until your 1-year filing window closes. Get a free, honest inspection from someone who'll tell you the truth — whether that truth makes us money or not.
"I've told more homeowners they don't need a new roof than most contractors have told them they do. That's not bad business — that's how you build a business that lasts."
— Sterling Clark
Request Claims Assistance
Free inspection. Honest assessment. No obligation.