Apex Adjusting Group is a licensed public adjuster serving homeowners and commercial policyholders across the Denver area and throughout Colorado. Working exclusively on contingency — no recovery, no fee — Apex Adjusting Group handles every step of the claim: damage inspection, scope of loss documentation, carrier communication, and settlement negotiation.
Get in touch
Tell Apex Adjusting Group about your claim. Most inquiries get a reply the same day.
Common services offered by public adjusters — Apex Adjusting Group’s exact scope is confirmed in your free consultation.
How Apex Adjusting Group works with homeowners
1
Free consultation
Share what happened. Review your policy and damage. No cost, no pressure.
2
Inspection & documentation
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
3
Claim filing & negotiation
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
4
Settlement recovery
You only pay if you recover — a percentage of what's collected. No recovery, no fee.
Service area
Denver, CO
Denver
Denver metro area
Colorado statewide
Why hire a licensed public adjuster in Colorado
Works for you, not the carrier
A licensed public adjuster is the only claims professional legally allowed to represent you — the policyholder. Field adjusters and independent adjusters work for the insurance company.
Documents losses the carrier takes seriously
Claims move faster and pay fairer when the paperwork, photos, and scope of loss are prepared the way carriers expect. That's the whole job.
Only gets paid if you recover
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Handles denials, underpayments, and supplements
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
Representative outcomes
Typical public adjuster results on common claim types in Colorado. Actual outcomes depend on policy language, damage, and timing.
$14K → $62KWater damage
Burst supply line, kitchen ceiling collapse
A Denver homeowner came home to a ceiling already on the floor — an upstairs supply line had failed overnight. The carrier's field adjuster scoped cosmetic drywall repair and a fraction of the flooring. Reopening the claim with proper moisture mapping, cabinet box damage documentation, and code-required electrical work moved the settlement from roughly $14K to $62K — enough to replace the full affected floor and bring the home back to pre-loss condition.
Post-storm roof denial reversed
Hail damage
After a CO hail event, a homeowner's carrier denied roof replacement, calling the damage cosmetic. Fresh inspection with calibrated roof-test squares, shingle mat cross-sections, and NOAA storm-data pairing established a supportable replacement case. The denial was reversed and the homeowner received a full roof replacement plus matching gutters and screens.
Reopened claim, corrected scope, better recovery
Reopen & supplement
An initial carrier estimate missed several covered line items. Careful scope review, supporting photographs, and code-required documentation resulted in a supplemental payment materially larger than the original offer — returning the policyholder closer to whole.
Carriers public adjusters commonly handle
If your policy is with any of these, Apex Adjusting Group can help.
State FarmAllstateFarmersTravelersUSAALiberty MutualNationwideProgressive
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Questions people ask
What does a public adjuster actually do?
A licensed public adjuster works for you — the policyholder — not the insurance company. They document your damage, interpret your policy, and negotiate directly with the carrier so you recover the full amount you're owed. Apex Adjusting Group handles the paperwork, inspections, and calls so you can focus on getting your life back together.
How does a public adjuster get paid in Colorado?
Public adjusters in Colorado work on contingency — a percentage of the settlement they recover. There's no upfront cost. If you don't recover, you don't pay. Fee percentages are regulated by state law and disclosed in writing before any work begins.
When is the right time to hire a public adjuster?
The earlier the better. Bringing Apex Adjusting Group in before you file (or right after you file) means the damage gets documented properly from the start. But even after a denial, delay, or lowball settlement, a public adjuster can re-open the claim and pursue a supplement — Colorado law allows it.
Will hiring a public adjuster slow down my claim?
The opposite, usually. Carriers respond faster when there's a licensed professional managing the paper trail, deadlines, and inspections. Apex Adjusting Group knows what documentation the carrier needs and how to move the claim forward without the back-and-forth that stalls most homeowners.
What's the difference between a public adjuster and a field adjuster?
A field adjuster works for the insurance company — they come out to assess damage on the carrier's behalf. A public adjuster works only for you. Same job title — opposite sides of the table.
Answers based on public adjuster best practices in Colorado. Apex Adjusting Group can speak to your specific situation in a free call.
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