Property insurance claims are won with documentation.
Prime Public Adjusting represents homeowners, business owners, HOAs, and commercial policyholders after fire, hail, water, roof, and complex property losses. We inspect the damage, prepare the claim, review the insurance company estimate, and pursue the benefits owed under the policy.
Claim Review Snapshot
Illustrative only. Final valuation depends on coverage, scope, and documentation.
Colorado Public Adjusters for Fire, Hail, Water and Commercial Claims
Insurance claims are not paid simply because damage exists. The damage must be inspected, measured, documented, estimated, and presented under the policy. Prime Public Adjusting helps policyholders build that claim file from the beginning or step in when the insurance company estimate, denial, or payment does not match the actual loss.
9,000+ Claims Handled
Experience across residential, commercial, fire, hail, water, roof, smoke, and complex property claims.
Losses Up to $7M
We assist with small property losses, major residential claims, and large commercial damages.
Policyholder Representation
We work for the insured policyholder — not the insurance company.
Hail & Storm Damage Claims
Colorado hail claims often involve roofing, gutters, siding, windows, soft metals, matching disputes, and repair-versus-replacement issues. We document the entire loss—not just the obvious roof damage.
Learn about Hail Claims →
Fire & Smoke Damage Claims
Fire losses often include smoke contamination, structural repairs, contents, demolition, code upgrades, cleaning, and temporary housing. We help document the full scope of the loss.
Learn about Fire Claims →
Water Damage Claims
Burst pipes, frozen pipes, appliance failures, roof leaks, mitigation disputes, mold concerns, cabinets, flooring, and hidden moisture all require careful documentation.
Learn about Water Claims →Commercial Property Claims
Apartment complexes, HOAs, retail buildings, offices, industrial properties, churches, and other commercial losses often require significantly more documentation than residential claims.
Commercial Claim Help →Insurance Appraisal
When the insurance company and policyholder disagree on the amount of loss, appraisal may provide a method for resolving the dispute. We help determine whether your claim is properly documented and ready for appraisal.
Insurance Appraisal →Free Claim Review
Not sure whether your claim has been properly handled? Send us your estimate, denial letter, payment history, photos, or claim documents for a professional review.
Request Your Free Review →Why Insurance Estimates Are Often Incomplete
Insurance estimates can miss damage, omit required repair steps, understate labor, ignore access, exclude code items, or price the work below what is reasonably required. In many claims, the dispute is not whether some damage exists. The dispute is whether the insurance company has included the full scope necessary to return the property to its pre-loss condition under the policy.
Prime Public Adjusting reviews the carrier estimate, photographs the damage, prepares a detailed scope, evaluates contractor documentation, and identifies items that may have been missed or improperly excluded.
Common Claim Problems We Review
- Denied or underpaid roof damage
- Missing interior water damage
- Smoke odor or soot not fully addressed
- Matching and uniform appearance disputes
- Engineering reports that do not address all damage
- Depreciation, supplement, and payment disputes
- Commercial scope and business interruption issues
Our Claim Process
1. Review
We review the policyholder’s documents, carrier estimate, photos, denial letters, payment history, and known damage concerns.
2. Inspect
We inspect the property, identify visible and related damage, and determine what additional documentation may be needed.
3. Document
We prepare the claim presentation with photographs, scope, measurements, estimates, supporting reports, and repair considerations.
4. Present
We communicate with the insurance company and submit the documentation needed to support the claimed damages.
5. Negotiate
We address scope differences, pricing issues, omitted items, depreciation concerns, and carrier requests for additional information.
6. Resolve
We help move the claim toward proper payment, supplement, appraisal, or the next appropriate claim-handling step.
Colorado Is Our Home Market
Prime Public Adjusting is based in Colorado and regularly assists policyholders with Front Range hailstorms, wind damage, fire losses, frozen pipes, water damage, roof disputes, and commercial property claims.
We serve Denver, Colorado Springs, Fort Collins, Greeley, Parker, Centennial, Aurora, Lakewood, Littleton, Castle Rock, Boulder, and surrounding communities.
Denver public adjuster · Colorado Springs · Fort Collins · Greeley
Also Serving California and Texas
Prime Public Adjusting also assists policyholders in California and Texas with property insurance claims involving fire, smoke, water, hail, storm, commercial, and complex building damage.
Resolving Property Insurance Claim Disputes
Many property insurance policies contain an appraisal provision that may be used when the policyholder and insurance company disagree on the amount of loss. Appraisal is commonly considered after disagreements involving roof damage, fire losses, water damage, commercial property claims, matching issues, repair scope, or pricing.
Prime Public Adjusting helps policyholders evaluate whether appraisal is the appropriate next step. Before appraisal is invoked, we review the claim documentation, carrier estimate, photographs, repair scope, policy language, and disputed items to determine whether additional adjustment should occur first.
A properly documented claim is often the strongest foundation for a successful appraisal. We assist policyholders by organizing the claim file, identifying disputed scope, preparing detailed estimates, and helping present the amount-of-loss disagreement clearly.
Future Knowledge Center Topics
These are the types of resources we are building next:
- Can insurance repair only part of my roof?
- What happens when shingles do not match?
- What does a public adjuster do?
- What is insurance appraisal?
- Is smoke damage covered?
- What if my water damage claim is denied?
Frequently Asked Questions
- What does a public adjuster do?
- A public adjuster represents the policyholder. We inspect damage, prepare or review estimates, document the claim, communicate with the insurance company, and help present the amount owed under the policy.
- When should I hire a public adjuster?
- You should consider hiring a public adjuster after a significant fire, hail, water, roof, or commercial loss, especially if the claim has been denied, delayed, underpaid, or the insurance estimate appears incomplete.
- Do you work for the insurance company?
- No. Prime Public Adjusting works for policyholders, not insurance companies.
- Can you help after the insurance company already inspected?
- Yes. Many claims come to us after the first carrier inspection, estimate, payment, or denial. We review what was issued and determine whether additional damage, scope, pricing, or documentation should be submitted.
- Do you handle both residential and commercial claims?
- Yes. We handle residential property claims, commercial building claims, HOA claims, apartment losses, and large complex property damage claims.
- How do I start?
- Send us the claim estimate, photos, denial letter, payment summary, or any documents you have. We will review the information and discuss the next step.
Start Your Free Claim Review
If your insurance claim involves fire, hail, water, roof, smoke, commercial damage, or an underpaid estimate, Prime Public Adjusting can review the file and explain the next step.