Colorado Public Adjuster
Licensed Public Adjusters for Fire, Smoke and Large Loss Claims in Colorado
Remember, These Insurance Companies Are Not Your Friends
Public Adjuster in Colorado
As public insurance adjusters, we handle residential and commercial property insurance claims for homeowners, landlords, HOAs and businesses across Colorado. Our focus is fire, smoke and large loss claims, where the insurer’s first estimate and the real cost of rebuilding are often far apart. We work for you, not the insurance company: we document the damage, read your policy and present the claim to your insurer.
AllCity Adjusting LLC is licensed as a public adjuster in Colorado (license 731851), and Andy Gurczak holds Colorado public adjuster license 729960.
Get a free claim review or call 844-692-3587.
Fire and Wildfire Claims in Colorado
Colorado fire claims come in two kinds. Some start inside: a kitchen, a furnace or an electrical fault in a Front Range home or business. Others come from outside, when a grass or forest fire reaches a neighborhood, and wind-driven smoke and ash settle into houses blocks away from any flames. Both kinds tend to be underestimated in the same places:
- Smoke and soot pulled through vents, attics and HVAC systems
- Ash and smoke odor in homes near a wildfire, even when the house is still standing
- Soaked drywall, insulation and flooring from the firefighting water
- Building code work a city or county requires before a permit is issued
- Every damaged belonging, which must be listed and priced
- Months of rent, hotel and meal costs while you’re out of the home
After the 2021 Marshall Fire in Boulder County, Colorado changed its homeowners insurance law for homes lost in a wildfire. If the home you own and live in is a total loss in a wildfire disaster the governor declares, your insurer has to offer at least 65% of your contents limit without a written inventory, and additional living expense coverage has to last at least 24 months, with two possible 6-month extensions if rebuilding is delayed for reasons beyond your control. We make sure those rights are used in your claim.
Large Loss and Commercial Fire Claims
We handle large loss claims across Colorado, including fires in restaurants, warehouses, offices, retail centers, churches, apartment complexes and HOA communities. These claims are rarely about the building alone. A business needs its lost income and extra expenses proven, its stock and equipment priced, and its landlord, lender and every applicable policy lined up. Whether the commercial insurance claim is for one store or a group of buildings, we assemble the experts a large claim calls for, from structural engineers to industrial hygienists and contents teams, and keep each part of the commercial claim on the same schedule.
Colorado Claim Rules to Know
- Public adjusters must be licensed. In Colorado, nobody may act as a public adjuster without a license from the Division of Insurance, and a company needs its own license too.
- The contract has to be in writing. It must state the fee, and you must get a separate disclosure about the claim process before you sign.
- You can cancel within 72 hours. Colorado lets you rescind a public adjuster contract in writing within 72 hours of signing.
- Wildfire total losses have extra protections, as described above.
Your policy adds its own deadlines for notice of loss, the proof of loss and any lawsuit. We note them at the start of every claim so none is missed.
How a Colorado Claim Runs With Us
- Inspection. We see the damage in person, wherever it is in Colorado, and record it in photos, video and measurements.
- Coverage. We read your full policy, endorsements included, and tell you what we expect it to pay for.
- Pricing. We write the repair estimate in Xactimate, the software most carriers use, at Colorado labor and material rates.
- Proof of loss. We prepare the contents inventory and, for a business, the income and extra expense figures.
- Settlement. We submit the claim and deal with the insurer’s adjuster until it’s resolved.
Cities We Serve in Colorado
We work across the state. Our city pages cover Denver, Colorado Springs, Aurora, Fort Collins, Lakewood and Thornton, and the full list is below. In Boulder County we also handle claims in Boulder, Lafayette, Louisville and Superior. More on how a fire claim works: fire damage insurance claims.
Your Ally vs. The Insurance Company’s Adjusters
Hiring one of our public insurance adjusters ensures you have an expert on your side. The insurance adjusters and insurance representatives sent by your carrier work for them. Their job is to protect the insurance company’s bottom line.
Our Certifications / Our Experience / Our Integrity
We document the loss in full, read your policy against it, and negotiate your claim with the insurer.
You approve every position before it is sent.
YOUR CLAIM, ARGUED PROPERLY.
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Reviews & Testimonials From Our Clients
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Colorado Public Adjuster FAQ
Is AllCity Adjusting licensed in Colorado?
Yes. AllCity Adjusting LLC holds Colorado public adjuster license 731851, and Andy Gurczak holds license 729960. You can confirm both with the Colorado Division of Insurance.
What does a public adjuster do?
A public adjuster works for you, not your insurer. We document the damage, prepare the estimate and the contents list, and present and negotiate the claim with your insurance company.
My home was damaged by wildfire smoke but didn't burn. Can I still claim?
Often, yes. Smoke, soot and ash damage can be covered even when the house is standing. We inspect the home and read your policy to see what applies.
Do you handle commercial and HOA claims in Colorado?
Yes. We handle commercial fire and large loss claims for businesses, landlords and HOAs, including lost business income and extra expense where the policy covers them.
Is a public adjuster the same as an independent adjuster?
No. Independent adjusters are hired by insurance companies to handle claims for them. A public adjuster is licensed to represent you, the policyholder, and works only for you.
We had to evacuate for a wildfire. What should we keep track of?
Keep every receipt for hotels, meals, mileage and other costs from the day you left, and take photos and video when you’re allowed back in, before any cleanup. Report the claim to your insurer as soon as you can.
The insurer has already made an offer. Is it too late?
No. We can review an open claim, a low offer or a denial letter at any point before the claim is settled, and tell you what we think the offer leaves out.
How do I start?
Fill in the free claim review form on this page, or call us at 844-692-3587.
Contact Our Public Insurance Adjusters Today
Our Service Areas Across Colorado
Get Your Free Claim Review: Secure, Simple, and Swift
Our public insurance adjusters serve property owners across the states we are licensed in. Call us at 844-MY-ADJUSTER for a free review of your insurance claim.
