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

Your first step after experiencing a significant storm event is to determine whether the damage is substantial enough to warrant a claim. A local, licensed contractor has the hands-on expertise necessary to make this assessment accurately.

At Kivori, we evaluate the exact extent of the damage, cross-reference it with local building codes, and calculate the approximate cost of repairs. This helps you determine if filing a claim genuinely aligns with your financial needs and policy guidelines—before you call your carrier. Best of all, this initial digital assessment and inspection is completely free of charge.

Every property is unique. Even if storm damage is present, filing a claim is not always the smartest financial choice. Insurance providers do not inspect your home to look out for you; they simply process the claims reported. If your actual damage totals less than your deductible, filing a claim can result in zero financial assistance, a permanent claim recorded against your property history, and potentially increased premiums. We believe a claim should only be filed if it explicitly benefits you.

 Surprisingly, your insurance premiums can increase even if you have a spotless claims history. Unlike auto insurance, which is based heavily on individual driver history, homeowner’s insurance premiums are determined by broader regional risk assessments.

If your specific zip code experiences a high volume of weather-related losses, carriers adjust rates across that entire territory to balance their risk. Because these regional dynamics impact your costs regardless of what you do, it is essential to have an expert evaluate your specific roof before adding to your property's file.

While the insurance process involves numerous technical hurdles, we have streamlined your responsibilities as a property owner into five simple steps:

1. Schedule a FREE Inspection with Kivori – We perform a comprehensive evaluation of your property to determine the absolute best course of action for your immediate needs.
2. File the Claim – If our professionals explicitly recommend moving forward, you can quickly file the claim with your carrier via their mobile app, website, or phone line.
3. Send Us the Estimate – Your insurance company will send you an initial scope of work. Our estimating team reviews it line-by-line. If there are missing items or building code errors, we handle the supplement process directly with your adjuster to ensure your build is fully funded.
4. Pick Your Products – This is the fun part. You select the brand, profile, and color of your new roof. If you have always wanted to upgrade your style or change colors, this is the perfect time. We will walk you through standard options covered by your policy, as well as premium alternatives.
5. Install Day – Sit back and relax. Our crews handle the entire installation process safely and efficiently. The vast majority of our residential roof projects are completed in a single day.

Additionally, Kivori manages all back-end logistics outside these steps. You will receive access to our digital Customer Portal on your phone, tablet, or computer, keeping live updates and project documentation right at your fingertips.

We recommend repairs or replacements only when structurally necessary—such as addressing active leaks or preventing inevitable future failures. In our region, wind and hail are the primary threats to residential structures, and this damage can be incredibly deceptive because it rarely leaks immediately.

• Hail Damage: When hail strikes an asphalt shingle, it dislodges the top layer of protective ceramic granules and fractures the underlying fiberglass mat. Granules are your roof's only shield against UV radiation. Once they are gone, the sun rapidly deteriorates the exposed asphalt, creating brittle areas that inevitably turn into major water intrusion points.

• Wind Damage: High winds break the factory sealant strip (the tar line) that bonds shingles together. Once broken, dirt and storm debris seal into the sticky tar, preventing the shingle from ever re-sealing itself. This allows shingles to flap, crease, and eventually blow completely off the roof, exposing the bare underlayment to the elements.

For retail, cash-paid projects, getting three bids is excellent practice. However, insurance claims require a completely different approach to remain strictly compliant with Colorado law.

When dealing with an insurance claim, searching for the "lowest bid" is irrelevant because all legitimate contractors will ultimately charge the exact same price—the price established by the insurance carrier's software parameters. Under Colorado Senate Bill 12-038 (SB38), contractors must charge the exact scope of work required to complete the project up to code, and insurance sets those exact market rates.

Furthermore, Colorado law explicitly states it is a felony for a policyholder to profit from a property claim or evade paying their legal deductible. Soliciting cash bids to find a cheaper price to "absorb" or "waive" your deductible can be legally interpreted as insurance fraud.

At Kivori, we work strictly on a proceeds basis. You pay what the insurance company allocates for the scope of work performed, plus your mandatory legal deductible—ensuring 100% legal compliance and total transparency. 

With Kivori, your out-of-pocket expense is limited to your deductible: nothing more, nothing less.

As your chosen contractor, we have a professional and contractual obligation to act strictly in your best interests, serving as your personal advocate to ensure your home is fully restored to a safe, pre-storm condition. Conversely, an insurance carrier’s primary obligation is to its corporate bottom line and shareholders.

While a majority of claims are handled professionally, there are well-documented instances where legitimate damage is initially overlooked or under-scoped by adjusters. Having a contractor who is deeply well-versed in insurance mechanics ensures your carrier is held completely accountable to their policy obligations.

To protect you completely, Kivori does not collect a single dollar out of pocket until your materials are selected and we are ready to build. We fund the upfront costs of any necessary supplements, represent you directly during adjuster meetings, and handle emergency mitigation to satisfy your policy's legal "Duty to Mitigate".

Not everyone knocking on doors after a storm is a scammer, but verifying who you are letting onto your roof is critical. In our jurisdiction, it is illegal for a contractor to solicit or perform roofing work unless they hold an active D-1 Roofing License issued by the Pikes Peak Regional Building Department (PPRBD).

Before signing anything, protect your home by checking their credentials directly on the official PPRBD Contractor Search to verify their license status, years in business, and active general liability insurance.

The timeline for a restoration project depends heavily on the complexity of your property and your insurance carrier's response times. Our fastest projects move from the initial claim filing to complete installation in just one week, while complex or heavily contested claims can take up to three months.

However, the actual active on-site construction times for our typical residential projects are incredibly fast:

• Re-Roofing: 1 to 2 days
• Gutters: 1 day
• Full Exterior Painting: 5 days

Our absolute priority is executing your build efficiently and flawlessly without ever cutting corners on safety, quality, or local building compliance.