Working With Your Insurance
Insurance Claim Help for Water & Fire Damage
A water or fire loss comes with a lot of paperwork. We document the damage the way adjusters need it, write the estimate in Xactimate, and bill most carriers directly, so you can focus on your family.
Stars and Bars Restoration works with all major insurance carriers on water, fire, smoke and mold claims across Southern Colorado. We photograph and log every step, take daily moisture readings, write estimates in Xactimate (the software most adjusters use), and bill your insurance company directly. You pay your deductible. Call (719) 676-2456.
How a Claim Usually Goes
1. Stop the damage — Call us for emergency mitigation. Your policy expects you to prevent further damage, and waiting to hear from the adjuster isn't required.
2. Report the claim — Call your carrier and get a claim number.
3. Documentation — We photograph the damage, map moisture, and record what was removed and why.
4. Estimate — We write the mitigation and repair scope in Xactimate and send it for review.
5. Adjuster review — The adjuster inspects and approves the scope. Differences get worked out line by line.
6. Work and payment — We complete the work and bill the carrier. You pay your deductible.
Your Rights as a Colorado Policyholder
You choose your restoration contractor. Your insurance company can suggest one, but you're not required to use it.
Before work starts, the property owner signs a work authorization. If you rent, the owner or landlord needs to authorize the work.
Keep copies of everything: photos, receipts for hotel and meals if you had to leave home, and every estimate.
Common Reasons Claims Get Delayed
• Damage wasn't photographed before cleanup started
• Waiting too long to report, so the carrier questions long-term leaks
• No moisture readings to show why drywall or flooring had to come out
• Estimates that don't match the adjuster's software line by line
Our documentation is built to prevent each of these.
Our Work
Why Choose Stars and Bars
24/7 emergency response, a live person answers
IICRC certified technicians (WRT, ASD, AMRT, FSRT, OCT)
Direct insurance billing with Xactimate estimates
Veteran owned, based in Colorado City
Photo and moisture documentation for your claim
You only pay your deductible on approved claims
IICRC Certifications
IICRC
WRT
IICRC
ASD
IICRC
AMRT
IICRC
FSRT
IICRC
OCT
Need Insurance Claim Help for Water & Fire Damage?
Send us the details and we'll call you back. Emergencies answered 24/7.
Insurance Claim Help for Water & Fire Damage Across Southern Colorado
Based in Colorado City, our crews cover Pueblo, Colorado Springs and the towns in between. Find your area:
Colorado Springs, COTrinidad, COWalsenburg, COPueblo, COColorado City, COCañon City, COPueblo West, COAlamosa, COLa Junta, CORaton, NMFountain, COWoodland Park, COLamar, CORye, COBeulah, COSan Isabel, COFlorence, COPenrose, COWestcliffe, COWetmore, COCuchara, COMonument, COSecurity-Widefield, CORocky Ford, CO
All Restoration Services
Frequently Asked Questions
Do I have to use the contractor my insurance recommends?
No. In Colorado you can choose your own restoration contractor.
Should I wait for the adjuster before starting cleanup?
No. Emergency mitigation should start right away to prevent more damage, and your policy expects it. We document everything before and during the work so the adjuster can see what was there.
Do you bill my insurance directly?
Yes. We bill most major carriers directly. You're responsible for your deductible and any upgrades you choose.
What if my claim is denied?
We'll give you our documentation and a straight cash estimate so you can decide what to do. Many repairs can be phased to spread out the cost.
I rent my home. Can I start a claim with you?
Your renters insurance covers your belongings. The building itself is the owner's claim, and the owner needs to sign the work authorization. Give us the owner's contact information and we'll coordinate with them.