We work with all insurance providers and are the trusted and preferred contractor of choice.

Your first step after experiencing a significant loss is to determine whether the damage is substantial enough to warrant a claim. Only a local, licensed contractor has the expertise and qualifications necessary to make this assessment accurately.  At Kivori, we will evaluate the extent of the damage, the repairs needed according to local building codes, and the approximate cost of those repairs, to help you determine if filing a claim aligns with your specific insurance policy coverage and financial needs. Better yet, this service is completely free of charge.

Every situation is unique, and even if the damage appears to warrant a replacement, filing a claim may not always be the best choice. 

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide an expert recommendation tailored to your specific needs.

Unfortunately, insurance providers do not inspect your home for damages; they simply settle claims and adjust payouts based on the damage reported. If your damage is less than your deductible, you might end up paying for repairs out of pocket, receive no financial assistance from insurance, have a claim recorded on your property, and face increased insurance premiums.

At Kivori, our experts specialize in assessing the necessary repairs and associated costs, ensuring you avoid any unexpected surprises. We believe that a claim should only be filed if it genuinely benefits you and aligns with your financial and insurance circumstances. Our team is dedicated to providing you with a clear and thorough understanding of your options, so you can make an informed decision about whether to proceed with a claim.

Our goal is to guide you through the process seamlessly, minimizing any potential impact on your insurance premiums and ensuring you achieve the most favorable outcome for your situation. If you need help evaluating your damage and determining the best course of action, our team is here to assist you every step of the way. 

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

At Kivori Construction, our goal is to deliver roofing excellence—simplified! While the insurance claim process can involve numerous complicated steps, we’ve streamlined your responsibilities as the property owner into just 5 simple steps.

1. Schedule a FREE Inspection with Kivori – We will evaluate your unique situation and offer the best course of action based upon your unique situation and immediate needs.
2. File a Claim – If recommended by our professionals, a claim can be filed with most carriers through their phone app, website, or directly by phone.
3. Send us The Estimate – Your insurance company will send you an estimate outlining the cost we must charge, if there are any missing line items or errors in the scope, the estimating team at Kivori will supplement your claim on your behalf, ensuring that you are fully covered.
4. Pick Your Products – Pick out the brand, color, and style of your new products. Always wanted to change the color? Now is the perfect time. We will sit down with you and discuss product options and colors covered by insurance, and offer additional alternatives if you would like to upgrade.
5. Install Day – Sit back and relax while the experts at Kivori handle the intricate process of installation. Most of our projects are completed in a single day.

In addition, Kivori will handle all logistics outside these parameters, and provide you with access to a Customer Portal available on the web, phone, and tablet. Our customer portal puts all the intricate details of your project at the tips of your fingers, so you are always in the loop.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide an expert recommendation tailored to your specific needs.

At Kivori, we recommend repairs only when necessary, such as addressing active leaks or preventing future issues. In our region, wind and hail are the most common sources of damage from natural events. These types of damages can be particularly tricky, as they may not immediately cause visible leaks but can lead to serious problems over time.

For asphalt shingle roofs affected by hail, we frequently observe that the top layer of granules has been dislodged, leaving the underlying layers fractured. Granules serve to protect the shingle layers beneath from UV damage. As these granules wear away, UV rays can deteriorate the lower layers, eventually creating significant leak points prone to water intrusion.

Wind damage, on the other hand, often causes the tar line on shingles to become detached and filled with debris, preventing proper resealing. This can lead to shingles detaching from the roof, potentially resulting in the complete loss of that shingle course and exposing your roof to the elements.

Every situation is unique, so a comprehensive on-site assessment is essential to determine your specific needs as a property owner. 

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

Surprisingly, your insurance premiums may increase even if you don’t file a claim. Unlike auto insurance, which primarily considers your individual claims history, homeowner’s insurance premiums are determined through a broader risk assessment. This assessment takes into account the overall number of claims and loss events in your region, rather than focusing solely on your property's claims history.

If there are a high number of weather-related claims or other significant events in your zip code, you may see an increase in your rates, regardless of whether you have made a claim yourself. This regional risk factor can impact your premiums, making it essential to understand how these broader dynamics affect your insurance costs.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

For cash projects not involving insurance, it's generally advisable to get three bids, discard the highest and lowest, and then evaluate the bid in the middle. However, insurance claims require a different approach to remain compliant under current Colorado laws.

When dealing with insurance claims, focus on interviewing contractors who are highly qualified, licensed, and have an excellent reputation. It’s crucial to choose a contractor who is well-versed in the intricate legal requirements of the insurance claims restoration process. Your goal should be to find a contractor that can provide a superior service and a streamlined stress-free process, all while remining in complete legal compliance. Ultimately, in Colorado, contractors will all offer the exact same pricing if they adhere to the law. Therefore, you should select the professional with the most experience who can deliver a seamless, legally compliant, and stress-free experience.

At Kivori, we bring extensive experience to the table, handling everything from small single-family home restorations to large loss multi-million-dollar claims. We are committed to providing exceptional service while ensuring full compliance under Colorado’s current laws.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

When dealing with insurance claims, your out-of-pocket expense will always be limited to your deductible—nothing more, nothing less. Previously, homeowners had to obtain quotes, vet contractors, and choose the most cost-effective option within their insurance budget. However, since the passage of SB38 in Colorado in 2012, the laws have changed. Now, contractors are responsible for determining the necessary scope of work based on current codes and manufacturer requirements, while insurance companies set the final cost based on the contractor’s required scope.

Additionally, Colorado law now makes it a felony for property owners to profit from an insurance claim or evade paying their deductible. Soliciting bids on a cash basis for insurance claim repairs after 2012 could be interpreted as attempting to profit from a claim or circumventing your deductible, both of which are considered felonies in the state of Colorado.

At Kivori, we handle insurance claims on a "proceeds basis", meaning you will only pay what your insurance company allocates for the scope of work we perform, plus your deductible. This ensures complete transparency, and full compliance with current laws.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

At Kivori, we bring extensive experience to the insurance claims process, navigating its complex legal and technical requirements with ease. Our strategies are designed to make the entire process seamless and stress-free for you.

We won’t collect any payment until you have selected your products and we’re ready to start construction. We cover the costs of any necessary supplements, represent you at adjuster appointments, handle emergency mitigation, and ensure that payments are received from your insurance before requesting any payment from you.

This approach not only protects you from future loss but also ensures that you fulfill your legal Duty to Mitigate under your policy provisions.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide an expert recommendation tailored to your specific needs.

Your chosen contractor has a fiduciary duty to act in your best interests. In contrast, your insurance company’s fiduciary duty is to its shareholders, aiming to maximize profits.

While your contractor and insurance company will collaborate to manage the claims process with minimal involvement from you, your contractor serves as your personal advocate, prioritizing your needs first. Conversely, while there are laws in place to protect policyholders from malicious practices, the insurance company’s primary focus remains on profit. Nevertheless, there have been documented instances where insurance companies have inadequately addressed legitimate claims properly.

Based on our experience, insurance companies generally adhere to the law when handling claims. However, if issues arise, it’s crucial to have a contractor who is well-versed in the claims process to ensure the insurance company fulfills its legal obligations and holds them accountable.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

Not all door-to-door solicitors are scammers. While some may be questionable, many are reputable local companies simply seeking business. To ensure you're dealing with a legitimate contractor, verify their credentials through the Pikes Peak Regional Building Department’s contractor search, on PPRBD's website. This resource provides information on their license status, insurance, and years in business. If a contractor is not a licensed D-1 Roofing contractor with PPRBD, it is illegal for them to solicit work in our jurisdiction.

 https://www.pprbd.org/Search/Contractor#SearchJump 

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

The good news is that, in most cases, insurance companies will cover the cost of roof replacements, with the exception of your deductible. Your deductible is the amount you're legally responsible for paying, as outlined in your policy. If a warranted, your only out-of-pocket expense should be your deductible.

There are rare instances where homeowners may be underinsured, such as with Actual Cash Value (ACV) policies, lack of code upgrade coverage, or insufficient policy limits. It’s crucial to have someone who understands both the construction and insurance aspects of your claim. This is why filing a claim after a storm may not always be the best option.

Our experts are skilled at evaluating your specific situation and tailoring our recommendations to meet your specific needs.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.

The duration of each project can vary significantly, and every customer's experience is unique to their specific needs. At Kivori, our goal is to ensure that your project is completed correctly, the first time. This requires meticulous scheduling and project management to guarantee that your construction is executed flawlessly and performs as intended for years to come.

Here are the typical active on-site construction times for our residential projects:

Reroofing - 1-2 day(s)

Gutters - 1 day

Full Exterior Painting – 5 days

The total duration of a project can vary significantly, with our fastest projects moving from claim filing to completion in just one week, while more complex projects may take up to three months. Our priority is to complete your project both efficiently and timely, all while maintaining our high standards for quality, safety, and customer service.

Click the link at the top of this page to schedule a FREE, no-obligation inspection. One of our experts will assess your individual circumstances and provide a recommendation tailored to your specific needs.