šļø Insurance says your roof deck isnāt covered? Guess what: theyāre wrong⦠again. šØš
You replace your roof after hailāand suddenly your decking is "too spaced" to be nailed down. The insurer says ānot our problem,ā because the decking wasnāt damaged by the storm. But if code says it must be replaced, and your policy includes Ordinance & Law coverage... they *owe* for it. š°
Thatās where *the but-for doctrine* kicks in: But for the hailstorm, we wouldnāt need to touch that unstable decking. So why is your insurance company trying to skip out on their responsibility? š¤
Insurers LOVE to play dumb when Colorado building code steps ināespecially in hail-heavy zones like Denver. We see it *all the time.* If you're a property owner, contractor, or commercial roofer facing decking arguments with adjusters, your clientās claim could be thousands underpaid... or outright denied. You need a Colorado public adjuster who knows how to fight thisābecause we do it every day. š„
Don't let your claim be dead before it starts. Grab a steak in that kitchen, and let's get your file cooking. š„©š
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