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Getting Estimates for Insurance Claims By Colorado Superior Roofing & Exteriors Home Insurance Storm Damage Claims Should I Get Multiple Estimates for My Hail Damage Insurance Claim? When it comes to hail and storm damage, getting estimates for insurance claims is not necessary. At Colorado Superior Roofing & Exteriors we’ve dealt with thousands of wind and hail damage insurance claims over the past two decades. This is probably the most misunderstood aspect of the entire process. Insurance agents and adjusters will often tell clients that you’re “pre-approved” for a certain amount and then ask you to go get estimates. What most people don’t understand is that only benefits your insurance company and may not be in your best interest. After your insurance adjuster comes out and approves your claim, they will provide you with a detailed document called an insurance scope. The insurance scope lists line by line everything the insurance company has agreed to pay for. Each line item will also have a payment amount associated with it. However, regardless of the total amount of the insurance scope, insurance companies will only pay for expenses you actually incur. What that means is that they will pay the lesser of (i) the total insurance scope amount and (ii) what you actually pay to have the work done.