When your insurance company underpays, delays, or denies a Colorado property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Colorado leads the nation in hail damage claims year after year. From the Front Range corridor to the Western Slope, severe storm cells regularly cause significant roof, siding, and exterior damage that insurance companies routinely underestimate.
Common Colorado claim types we handle: hail damage in Denver, Colorado Springs, Boulder, and Fort Collins; wildfire losses in mountain communities; wind damage from severe summer storm cells.
Colorado's insurance commissioner has stated publicly what most Coloradans know: hail is the state's largest and most expensive insured catastrophe. Hailstorms have caused more than $5 billion in insured damage across Colorado in the last decade alone, and in eight of the last eleven years, hail — not wildfire — has been the dominant source of insured losses.
The weather patterns we see most:
The May 8, 2017 Front Range hailstorm. The single most expensive insured catastrophe in Colorado history. Final insured losses reached approximately $2.3 billion across roughly 167,000 auto claims and 100,600 homeowners claims. The storm pummeled Wheat Ridge, Golden, Lakewood, and the western Denver metro with golf ball- and baseball-sized hail. The hardest claims from this event are still being supplemented today.
The June 2018 Colorado Springs hailstorm. Another major Front Range event affecting tens of thousands of homes and vehicles.
Ongoing Front Range hail season (April through mid-September). Denver's metro hail history includes a record stone of 5.25 inches in diameter. The Eastern Plains receive even more hail than the Front Range, with frequent events affecting Yuma, Wray, Akron, and the agricultural communities. Claims from these areas often involve substantial commercial agricultural buildings.
The 2021-2022 Marshall Fire. The most destructive wildfire in Colorado history. The fire destroyed 1,105 homes in Boulder County (Louisville, Superior, and unincorporated areas) and produced more than $2 billion in insured losses. Three years later, two-thirds of the destroyed homes have been rebuilt — but underinsurance gaps averaging more than $100,000 per household have left many homeowners struggling to fully recover. Marshall Fire claims continue to require representation as policyholders contest extended living expense coverage, code-upgrade coverage, and replacement-cost calculations.
Mountain wildfire risk. The Lake Christine, Cameron Peak, East Troublesome, and other major fires have demonstrated that wildfire exposure now extends into communities previously considered safe. Wildfire claims are technically complex — coverage interacts with smoke contamination, additional living expenses, code upgrades, ordinance and law, and total-loss replacement-cost calculations.
Hail damage to roofs, siding, gutters, AC condenser fins, and exterior fixtures is the most common Colorado claim. Recoveries on Colorado hail claims often hinge on matching provisions, code upgrades, and accurate documentation of soft-metal damage.
Marshall Fire and other wildfire claims expose the most common Colorado coverage gap: underinsurance. Many homeowners discover after a total loss that their dwelling coverage is far below current rebuilding costs. We help policyholders maximize recovery from existing coverage while documenting code-upgrade coverage, additional living expenses, and personal property losses that carriers regularly underpay.
Even homes that survive a wildfire often have substantial smoke and ash damage that carriers attempt to handle as cleaning rather than restoration. Smoke contamination affects HVAC systems, soft contents, insulation, and structural components in ways that require professional restoration, not surface cleaning.
Hail and wind events on the Eastern Plains affect grain bins, agricultural buildings, equipment, and commercial properties. These claims require specialized scope and often involve business interruption coverage that carriers undervalue.
Several Colorado carriers have moved to actual cash value (rather than replacement cost) settlements on older roofs, or applied steep depreciation. These determinations are often more aggressive than the policy actually allows, and successful challenges restore replacement-cost coverage.
Colorado building codes have changed significantly in recent years, particularly for wildfire-resilient construction in mountain communities and for ice and water shield in the Front Range. Replacement claims must include code-required upgrades, but carriers often omit them from initial estimates.
Colorado regulates public adjusters under Colorado Revised Statute §10-2-417, enforced by the Department of Regulatory Agencies (DORA) Division of Insurance. The key requirements:
Colorado's conflict-of-interest rules are stricter than most states. A roofing contractor who shows up after a hail event offering to "handle the claim" is engaging in unauthorized practice unless they hold a Colorado public adjuster license — and even then, they cannot have a financial interest in the repair work. Verify any adjuster's license through DORA's public lookup before signing.
Colorado's largest homeowners insurance writers include:
Following the Marshall Fire and successive hail events, Colorado has seen rate increases averaging 27% from 2023, with several carriers tightening wildfire underwriting in mountain communities and increasing wind/hail deductibles statewide. The Colorado Division of Insurance has been actively engaged in efforts to stabilize the market, including proposals for state reinsurance programs.
If your prior claim settled for less than the actual cost to repair, supplemental claims are often available within the policy's deadlines. The 2017 Front Range storm and subsequent major events continue to generate supplemental claim activity. We've successfully reopened older Colorado claims when the original settlement missed scope items, code upgrades, or matching considerations.
Most Colorado property insurance policies have a suit-limitation provision of 1-2 years from the date of loss, though specifics vary by policy. The policy's notice requirement (often "prompt" or "as soon as reasonably possible") is separate from the suit-limitation deadline. If you're approaching either deadline, this is the time to act — extensions aren't typical.
Many Marshall Fire claims have been underpaid or underdocumented, particularly on additional living expenses (ALE), code-upgrade coverage, contents, and personal property. ALE benefits expired for many households in early 2024, but supplemental claims for the underlying covered losses may still be available. If you haven't fully recovered, send us your settlement documentation and we'll review whether more is recoverable.
Most Colorado carriers have moved to percentage-based wind/hail deductibles — typically 1%, 2%, or 5% of the dwelling coverage. On a $500,000 dwelling at 2%, that's $10,000 of out-of-pocket exposure before coverage applies. Some Front Range carriers now use 5% deductibles, which can mean $25,000 or more on a typical home. Check your declarations page.
Carriers in Colorado can decline to renew a policy at the end of its term, subject to state notice rules. Some Colorado carriers have been more aggressive about non-renewing policies on older roofs after hail claims. Non-renewal doesn't release the carrier from the active claim — that obligation continues regardless. If you've been non-renewed, we help with the claim resolution and can suggest carriers still writing in your market.
For claims arising from a governor-declared catastrophic disaster, Colorado caps public adjuster fees at 10%. For non-catastrophic claims, fees are negotiated by contract. Resolution Claims Consulting works on contingency — no upfront fees, no fee owed if no recovery, percentage agreed in writing before work begins.
Generally yes — smoke damage from a covered cause (typically wildfire is covered under standard homeowners policies in Colorado) is itself covered. Carriers regularly underpay smoke claims by treating them as cleaning rather than restoration. Smoke contamination requires specialized restoration affecting HVAC systems, contents, soft goods, and structural components. Don't accept a $5,000 cleaning estimate when the actual restoration cost is $30,000.
Important Colorado disclosure
This page is an advertisement and a solicitation for public adjusting business by Resolution Claims Consulting, LLC. If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
Resolution Claims Consulting, LLC holds Colorado firm license #803346; William J. Addis holds Colorado individual public adjuster license #559485.
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Colorado law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Colorado requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is a public adjusting firm; we are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Colorado insurance regulator. License lookup links and contact information for the Colorado insurance department are available on our Legal Disclaimers page.
The Colorado-specific information on this page draws on the following authoritative sources. Regulations, statutes, and market data are accurate as of publication; verify current rules with the linked regulators before relying on this information for a specific claim.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
