Do You Have a Gap in Home Insurance Coverage?

Insurance makes us all feel safe. When you pay that check every month, you exhale knowing that your investment is protected. But could you have a gap in your coverage?  Many homeowners assume that they are protected against any unforeseen mishaps with their home or property, but then find they have been sadly mistaken when it comes time to make a claim.   There are many ways a gap in coverage could throw a wrench in your home repairs.  No matter where the gap is, the result will be the same: you will find insurance will not cover the full cost of the work you need done, and the rest will come from your pocket.

Protecting Everything Against Hail

As Coloradans, we all know that we need wind and hail protection in our policy.  What isn’t always obvious is that unless each individual structure on your property is specifically listed on your policy, it may not be covered.  If you have a tool shed, a guest house, or a picturesque gazebo in the backyard, it is of course subject to hail and wind damage but may not be subject to the same protections as your house.  Check your policy to ensure that when the storm passes, you can get everything back in order, whether it’s your house or an auxiliary structure.

Changing Building Codes

Another hidden gap that snags repairs pertains to changing building codes. Code coverage is an option that you may not know you need until your contractor tells you that your repairs actually require an upgrade.  Many policies only cover reinstating your home to its original condition, but the law in your area may require making the necessary improvements to bring it up to the current codes, regardless of what code the structure was originally built for.  Only code coverage ensures that your repairs will be covered no matter what additional upgrades are required.

Prevention, Prevention, Prevention

Your policy is meant to protect you in case of unfortunate events.  It will not protect you against preventable damages that set in over time.  Mold and other kinds of slow acting deterioration are the homeowner’s responsibility to prevent and stay on top of. Your policy will likely not offer any reimbursement for mold or rot damage, or even falling branches from an old or sickly tree.


Finally, one thing we can’t do anything about is depreciation.  The fine print of your insurance policy likely refers to ACV or RCV, which stand for actual cash value and replacement cost value, respectively.  These are just what they sound like: ACV protection takes into account how much your home or property has depreciated and subtracts that from what it costs you to actually replace your property.  RCV protection will give you the actual amount that you need to replace your property regardless of depreciation.   Insurance policies are certainly not light reading, but it is worth taking a close look at your own to make sure that you don’t have a gap in coverage that could catch you off guard later on.  A little research now can save you from a big headache later, or at least from a nasty surprise.

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Colorado’s Favorite Home Renovation Contractors

Since 1999, Genesis Total Exteriors has proudly served residents and businesses in and around Denver, including areas like Aurora, Boulder, Lakewood, Arvada, Evergreen, Highlands Ranch, and Golden, CO.  Our talented team of project managers shares 60 years of collective experience, all of which goes into making sure every client receives the quality exterior improvements they expect and the superior services they deserve....

Guaranteeing your satisfaction is about so much more than simply upgrading a roof or installing siding.  It has to do with your overall experience, from the moment you contact us for an estimate on your project, until we pack up and leave your property looking better than before.  When you partner with Genesis Total Exteriors, you’ll enjoy the end-to-end design and installation services that refresh your structure, boost property value, and deliver both beauty and peace of mind.

Convenient Exterior Renovation

When you’re seeking exterior remodel services, it’s only natural to worry about how long it will take and how much it will cost.  You want to upgrade your property to increase curb appeal, value, and function, but you don’t necessarily want the work to impact your family’s daily routine, or inhibit business operations.

At Genesis Total Exteriors, we understand that how smoothly a project runs and how quickly it’s completed can impact your overall experience, which is why we go out of our way to work with speed and efficiency and create minimal impact to your home or business throughout the renovation process.  We proudly offer competitive pricing on jobs of all sizes, and our reputation is built on meeting and exceeding expectations to ensure positive outcomes and customer satisfaction.

Valuable Exterior Remodel Solutions

Genesis Total Exteriors is pleased to offer a range of options for exterior renovation, designed to add value to your property, including:

  • Roofing
  • Painting
  • Siding
  • Windows
  • Gutters

We started out offering custom paint solutions and expanded to include services that enhance your entire exterior, and some that upgrade the interior, as well.  When you replace a roof, siding, or windows, you not only improve the look of your home and boost resale value; you also have the opportunity to make your structure more energy efficient, delivering savings and return on investment over time.

We’re also happy to help with insurance claims.  Filing a claim and dealing with adjusters can be a frustrating process.  At Genesis Total Exteriors, we have developed working relationships with a long list of providers and adjusters, and we’ll assist you in filing and completing your claim, even joining discussions to ensure that the process goes as smoothly as possible.

Your Trusted Full-Service Contractor in Golden, CO

Whether your older home could use a modern facelift, you’re fixing a hole where the rain gets in, or you’re trying to cut your carbon footprint, Genesis Total Exteriors is on the job with competitive rates, custom solutions, and superior services and support.  We take all the hassle out of exterior upgrades so you can get on with your life.

If your home or commercial exterior is in desperate need of an update, contact the experienced and talented team at Genesis Total Exteriors today at 303-679-8509 or online to schedule a consultation and discuss your remodeling project.

Contact Us


(303)674-1336 - Fax


Genesis Construction, Inc
15000 W 6th Ave, Suite 200
Golden, CO 80401

Genesis Construction, Inc
155 N. College Ave, Suite 221
Fort Collins, CO 80524
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