Denver Codes. Colorado Contractors.
Public Adjuster in Colorado. Denver Office.
A public adjuster in Colorado is a licensed adjuster who represents you, the policyholder, on a property insurance claim. Blue Star Adjusters holds Colorado firm license No. 969283, with our Denver office at 2301 Blake Street, Ste 100. We read the whole policy, measure hail, wind, fire and water damage across the Front Range and statewide, and negotiate the claim with your insurer.
- No upfront cost
- You always have final say on any settlement
- CA DOI License No. 6015234
Denver
COAddress
2301 Blake Street, Ste 100, Denver, Colorado 80205
Phone
Hours
Monday to Friday, 9 AM to 5 PM Pacific. Closed Saturday and Sunday. We call back the same business day.
License
Colorado firm license No. 969283, Blue Star Adjusters LLC
On Front Range hail and wildfire claims, the gap between a spot-repair estimate and a code-compliant rebuild often comes down to roof assemblies, sheathing, and local municipal code.
Colorado bars public adjusters from holding any financial interest in the repair or mitigation of a claim they adjust, and bars upfront fees before settlement.
We measure and negotiate. Your contractor builds.
Colorado bars public adjusters from holding any financial interest in the repair or mitigation of a claim they adjust, and bars upfront fees before settlement.
We measure and negotiate. Your contractor builds.
Colorado Rules Every Public Adjuster Must Follow
Colorado regulates public adjusters under C.R.S. § 10-2-417 and Division of Insurance rules. Four consumer protections stand out before you sign with anyone.
No financial interest in the repairs. Under C.R.S. § 10-2-417(1)(d), a public adjuster may not hold a direct or indirect financial interest in any other aspect of the claim, including mitigation, remediation or building repair. A roofer or contractor can’t negotiate your insurance claim unless licensed as a public adjuster, and your public adjuster can’t profit from the rebuild.
No upfront fees or retainers. Under C.R.S. § 10-2-417(4), a public adjuster cannot demand or accept any fee, retainer or deposit prior to the settlement of your claim.
No solicitation while a loss is under way. Colorado prohibits soliciting a policyholder during the progress of a loss-producing occurrence, such as an active fire or storm.
72-hour right to rescind. Colorado rules give you 72 hours after signing a public adjuster contract to rescind it in writing.
Hiring a Public Adjuster in Colorado: What to Check
- The license. Verify every public adjuster with the Colorado Division of Insurance before you sign. Ours is Colorado firm license No. 969283, Blue Star Adjusters LLC. Verify a license with the Colorado Division of Insurance
- Who they represent. A public adjuster represents only you, the insured. The carrier’s desk and field adjusters represent the insurer.
- The fee, in writing. Confirm the contingency percentage in writing before work starts. Ours: No upfront cost. We’re paid a percentage of what we recover.
- Who leads the file. With Blue Star, a senior adjuster leads every claim from the initial inspection through final settlement.
- Who decides. You do. You always have final say on any settlement.
Hail, Wind and Wildfire Claims Across the Front Range
Along the Front Range—from Denver, Aurora and Lakewood to Boulder, Fort Collins and Colorado Springs—hail and high wind drive thousands of disputed residential and commercial roof claims every season.
Carrier field inspections often price isolated shingle or tile patches, omit damaged flashing, gutters, window cladding and mechanical units, or apply cosmetic-damage and wear-and-tear exclusions without testing the roof assembly. Local building departments across Colorado also enforce ice-barrier, ventilation and sheathing rules that turn a partial repair into a full code-compliant replacement.
On wildfire and smoke losses, we pair physical structural scoping with industrial-hygienist testing and full contents inventories so hidden smoke and heat damage aren’t written off as routine cleaning.
Wind, hail and tree damage claims · Wildfire insurance claims · Commercial claims
When We’ll Tell You Not to Hire Us.
Some claims don’t need a public adjuster. If the damage is small, sits close to your deductible, or the carrier’s offer already covers the full repair, our fee would cost you more than we could add. We’ll tell you that at the free review.
Claims We Handle in Denver and Across Colorado
Denver & Colorado Public Adjuster Questions
Where is Blue Star’s Colorado office?
Our Denver office is at 2301 Blake Street, Ste 100, Denver, Colorado 80205, and our local Denver phone number is (720) 741-7858. We handle residential and commercial claims across the Denver metro, the Front Range and statewide.
Does Colorado require public adjusters to be licensed?
Yes. Public adjusters in Colorado must be licensed and bonded through the Colorado Division of Insurance under C.R.S. § 10-2-417. Blue Star Adjusters LLC holds Colorado firm license No. 969283.
Can my roofer negotiate my hail claim in Colorado?
A contractor can discuss construction scope and repair costs, but negotiating policy coverage and claim settlements for compensation requires a public adjuster license. Conversely, Colorado law bars a public adjuster from having any financial interest in the repair work (C.R.S. § 10-2-417(1)(d)).
How much does a public adjuster cost in Colorado?
No upfront cost. Colorado law prohibits upfront fees or retainers before settlement (C.R.S. § 10-2-417(4)), and caps fees at 10% on catastrophic disaster claims. Our percentage is written into the contract before we begin.
Can I cancel a public adjuster contract in Colorado?
Yes. Colorado rules provide a 72-hour rescission window after you sign a public adjuster contract.
Can you help if my hail or fire claim was denied or underpaid?
Often, yes. If your carrier blamed hail damage on wear and tear or issued a partial payment that won’t cover a code-compliant rebuild, send us the estimate or denial letter for a free review.
Call Before the Carrier Sets the Narrative.
Your insurance company has an adjuster protecting their interests. You have the right to one too.
