Colorado Public Adjusters
Get help with your insurance claim today.
From the Front Range to the Western Slope, we help you recover the full insurance payout you're owed after hail, storm, wind, or wildfire damage. When the carrier underpays, delays, or denies, we step in. No upfront cost. We only get paid when you do.
We specialize in complex commercial claims that others won't touch. But you'll get the same effort on any type of claim, big or small.
We serve all of Colorado.
Choose your city for details. We have decades of insurance claim experience waiting to help.
What a Colorado public adjuster does.
A public adjuster represents you, never the insurance company. We read your policy, document every covered loss, and negotiate with the carrier. In Colorado, where hail and wildfire drive complex claims, that's the difference between a lowball check and the full payout you're owed.
Your Public Adjuster
Works only for you, not the insurance company. We step in when the carrier delays, underpays or denies your claim. We review the policy, document the full loss, file or reopen the claim, and negotiate for the maximum recovery you're owed.
The Insurer's Adjuster
Works for the insurance company, not you. They assess your loss in the carrier's interest only. Their first offer is almost never the fair offer. You often need to push back to get what's rightfully owed to fix your damage.
Recently recovered for Colorado property owners.
This is just a sample of outcomes from across the state, from Denver to Grand Junction.
Underpaid, delayed, or denied?
Insurance carriers reach for the same three moves across Colorado. We fight all three.
Did they underpay you?
Lowball estimates, missed damage, and depreciation games. We rebuild the number from the actual loss.
Is your claim stuck?
Silence, re-inspections, endless requests. We keep the file moving, request a case reassignment to restart the clock, and hold the carrier to Colorado's timelines.
Were you denied?
A denial isn't the end. We review the policy, document what's covered, and push back with evidence.
A name Colorado owners trust.
We work for you, not the insurance company.
We represent property owners only. Never carriers. We quarterback everything so you get what's rightfully owed.
Commercial policies are our strength.
Complex commercial and HOA policies are where carriers underpay most. We read the fine print and document the full loss.
Headquartered in Denver.
Colorado is home. We're based in Denver, our leadership owns commercial property in the metro, and we know Colorado carriers, weather, and claims firsthand.
No upfront cost.
No retainer. No hourly bills. We work on contingency and only get paid when you recover what's owed.
Want a team that works only for you?
Get a Free Claim ReviewThe damage we handle across Colorado.
From the Front Range hail belt along the I-25 corridor, Denver to Colorado Springs to Pueblo, to wildfire exposure on the Western Slope and the foothills, we handle the full range of Colorado property damage.
Smoke, ash, and structural loss from Colorado's growing wildfire risk.
Colorado ranks among the worst states in the country for hail. We document every dent the carrier misses.
Chinook winds and severe storms tear up roofs and siding across the Front Range.
Office, retail, industrial, and multi-family claims with complex policies.
Master policy versus unit-owner disputes that leave associations underpaid.
Burst pipes and freeze events cause hidden damage carriers love to underpay.
Not sure if your damage qualifies?
Get a Free Claim ReviewHow Colorado owners work with JustClaims.
Free claim review
We assess your policy and your damage at no cost and tell you straight whether you need a public adjuster.
Documentation
A licensed Colorado adjuster inspects and documents every covered loss, with AI-assisted tools so nothing is missed.
Filing and negotiation
We file or reopen your claim and negotiate directly with the carrier on your behalf.
You recover
Once the claim settles, our fee comes out of the recovery. No recovery, no fee.
Ready to start? We don't get paid unless you recover.
Get a Free Claim ReviewHow Colorado protects policyholders.
→ Public adjusters are licensed by the state.
Colorado public adjusters are licensed and regulated by the Colorado Division of Insurance under C.R.S. § 10-2-417. You can verify any adjuster's license at doi.colorado.gov.
→ Know what's in your contract.
A Colorado public adjuster contract must disclose the fee, list the adjuster's license number, give you a 3 business day right to cancel, and be signed by both parties.
→ Fees are capped and contingency-based.
Public adjuster fees in Colorado generally run 5% to 15% of the settlement. For state-declared catastrophic disasters, the fee is capped at 10%. No recovery means no fee.
→ Carriers owe you good faith.
Colorado law requires insurers to handle claims fairly and in good faith. When a carrier underpays, delays, or denies without a reasonable basis, you have the right to push back.
Think your claim was handled in bad faith?
Get a Free Claim ReviewThis is general information, not legal advice. Statutes and fees change. Confirm the specifics for your situation.
Meet our Colorado General Manager
Taylor Bezek
As General Manager at JustClaims, Taylor Bezek leads our Colorado claims practice from our Denver headquarters. A licensed Colorado public adjuster (#769172), he has handled complex hail, wildfire, wind, and water claims across the state, from the Front Range to the Western Slope, with deep experience in commercial and large-loss property. Taylor founded his own firm before joining JustClaims to scale a tech-forward approach for Colorado policyholders, pairing local claims expertise with AI to drive faster, clearer, and fuller settlements. He is also licensed in Texas, Florida, and 10 additional states.
Common Questions About Colorado Insurance Claims
You send us the owner and the claim details, we take the insurance side, and you stay focused on the work. We keep you in the loop at every step and make sure the approved scope matches what the job actually requires.
No. We handle the carrier and the claim, not the customer relationship or the build. The owner stays yours. Our job is to get the claim funded properly so your scope gets approved and paid.
No. We are not a lender, and we do not pay for the work. We negotiate with the carrier so the settlement covers the full, proper cost of repair. Payment flows through the owner and their carrier, not us.
Yes. Scope cuts are exactly what we fight. We document the full extent of the damage, justify the line items the carrier removed, and negotiate to get the scope and pricing restored.
Often, yes. When a job is complex enough to need a general contractor, overhead and profit are typically owed. Carriers leave it off and hope no one pushes. We make the case for it where the job warrants it.
Yes. Supplements are a core part of what we do. We document the added or hidden damage, submit it, and negotiate it with the carrier so you are not stuck chasing payments after the work is underway.
The opposite. A stuck or underpaid claim is what stalls a job. We keep the file moving, hold the carrier to Colorado's timelines, and get the scope approved so you can build.
We work on contingency from the owner's recovery. Fee-sharing between a public adjuster and a contractor is restricted by law, so we keep the arrangement clean and compliant. We are happy to walk you through how partnering works.
Roofers, restoration companies, and general contractors across Colorado. If you work on storm, hail, water, fire, or wildfire losses, there is a natural fit.
Reach out with the property and the basics of the loss. We will review it, tell you straight whether a public adjuster adds value, and coordinate with you from there.
A low first offer is the carrier's starting point, not the ceiling. We re-document the full loss, including damage their adjuster missed or undervalued, and negotiate the number up to the real cost of repair or replacement.
Often, yes. Commercial policies frequently include business interruption and extra-expense coverage for lost income, lost rents, and the added cost of operating during repairs. It is one of the most underpaid parts of a commercial claim, and it has to be documented carefully.
Yes. On complex or disputed claims we engage independent forensic engineers, building consultants, and forensic accountants to document the full scope and stand up to the carrier's experts. Any outside expert costs are explained and approved before they are incurred.
Yes. For portfolios, funds, and property managers we run claims across multiple buildings and locations under one point of contact, with consistent documentation and reporting so nothing slips through.
Replacement cost pays what it takes to repair or replace today. Actual cash value subtracts depreciation, so it pays less. Which one applies, and whether you can recover the held-back depreciation, is one of the biggest dollar swings in any claim.
No. A denial can be reopened. We review the policy language, document what is covered, and challenge the denial with evidence. Many denied commercial claims are really scope or interpretation disputes.
Not necessarily. Many commercial policies include ordinance-or-law coverage that pays for code-required upgrades during a covered repair. Carriers routinely leave it out of the estimate. We make sure it is claimed where your policy allows.
Brokers sell and service the policy. Property managers run the building. Neither represents you in valuing and negotiating the claim. A public adjuster works only for the owner, to document the full loss and push for the full payout.
Yes, and it is a strength. HOA and multi-family master policies are complex and heavily underpaid. We read the fine print, document common-area and unit damage, and handle the board and carrier communication.
Very. Commercial roofs along the Front Range hail belt take repeated impact, and Western Slope and foothill properties carry real wildfire and smoke exposure. Whether your policy fully covers it comes down to the language.
A public adjuster is a licensed professional who represents you — the policyholder — in the insurance claims process. They inspect your property, review your policy, document all damage, and negotiate directly with the insurance company on your behalf. They work exclusively for you, not for the insurer.
Public adjusters in Colorado work on contingency, meaning there is no upfront fee. Their compensation is a percentage of the final insurance settlement — generally between 5% and 15% depending on the claim size and complexity. For losses tied to a state-declared catastrophic disaster, Colorado law caps public adjuster fees at 10% of the settlement amount. If there is no recovery, there is no charge.
Yes. Public adjusters in Colorado must be licensed by the Colorado Division of Insurance (CDOI) under C.R.S. § 10-2-417. Licensing requires passing a state exam, a background check, and maintaining an active surety bond. You can verify any adjuster's license at doi.colorado.gov.
Yes. You can engage a public adjuster at any stage of the claims process — including after a denial or a low initial payment. A public adjuster can reopen the claim, re-document damages that were missed or undervalued, and negotiate for a supplemental settlement.
Colorado public adjusters regularly handle hailstorm damage (one of the most common losses along the Front Range and I-25 corridor), wildfire damage, wind and storm damage, roof damage, water damage from frozen or burst pipes, smoke damage, and commercial property losses.
Under Colorado law, a public adjuster contract must clearly disclose the fee amount or percentage, include a description of services to be provided, state the adjuster's license number, provide a 3-business-day right to cancel, and be signed by both parties. Always request a written contract before work begins.
The insurance company's adjuster is employed by the insurer and works in the insurer's interest. A public adjuster is hired by and works exclusively for you — the property owner — to make sure the full scope of your damage is documented and that your settlement accurately reflects your policy coverage.
For most property owners dealing with a significant or complex claim, yes. Insurance policies are detailed legal documents, and the claims process involves documentation, negotiation, and deadlines that are easy to mishandle on your own. A licensed public adjuster manages the entire process on your behalf, works to document all covered damage, and negotiates directly with the insurer. Because public adjusters work on contingency, there is no upfront cost — you only pay if there is a recovery.
Avoid speculating about the cause of damage if you are not certain, admitting fault or minimizing the loss, agreeing to a settlement before all damage has been fully documented, or signing any release without reviewing it with someone working on your behalf. The insurer's adjuster represents the insurer's interests, while a licensed public adjuster represents yours — handling those conversations on your behalf throughout the process.
Still have questions? We're here to help.
Get a Free Claim ReviewFind out what your Colorado property claim is really worth.
It only takes a few minutes. No upfront cost. We only get paid when you do.
Licensed in Colorado · Contingency fee, no upfront cost · Serving the Front Range and expanding statewide