After a major property loss, you will have to make many decisions that will ultimately affect your final insurance recovery.




Insurance adjusters who are looking out for the interests of their company may be hard at work setting the groundwork to pay you as little as possible. While these company adjusters can be pleasant and friendly, first and foremost they represent the insurance companies interests, not the homeowners or business owners. Insurance adjusters are trained to minimize the value of property claims. The more insurance companies can save on paying out losses on claims, the more profit they earn.




Insurance Restoration Salesmen may be pressuring you to sign open-ended emergency repair authorizations that are actually full contracts to repair in disguise. Be careful!!! Although it is mandated under the insuring agreement to mitigate your loss, you will need to make sure all necessary steps are taken to preserve your damaged property for proper documentation. Contractors are not licensed to prepare and or negotiate your loss. Just because your insurance company referred them to help, doesn't mean they have your best interests in mind. Call us for immediate advice and assistance with your property claim before entering into any agreement with a Contractor.



If your residential or commercial property has been damaged, you may need to have everything tested for hazardous materials. Don't allow the reconstruction to proceed without proper testing of multiple material samplings. Many property owners fail to realize that disclosure of the loss is mandatory when it becomes time to sell your property. If testing and abatement haven't been performed properly and documented, your property could become significantly devalued.


Gary D. Morris & Associates can assist in determining all coverage available, obtaining accurate & detailed repair estimates, make sure your property is properly tested for hazardous materials, provide a complete inventory service including current replacement costs and actual cash values, and help interview and negotiate with qualified contractors to make sure your property is repaired or replaced with your best interests in mind. We can explain all of your options and help create a plan moving forward. Most importantly, we have the ability to appraise, adjust, negotiate and settle your property claim in a satisfactory and timely manner. We represent the interests of the insured exclusively and can be a very powerful partner in the claims process!!
























“We are so thankful that our neighbors referred
us to Gary! We had no idea that we could simply
purchase a new home instead of rebuilding in order to collect our full replacement cost benefits.”

K. & V. Sloan








After our home was destroyed by fire, we retained Gary Morris to represent our interests. Gary skillfully avoided problems which could have occurred and guided the insurance process masterfully. We have since referred his services to other fire victims in our area and will continue to do so.

H. & B. Hisgen








Our only regret is that we didn’t retain Gary sooner. We are still amazed not only at how much he recovered, but how detailed and prompt he was. Itemizing our entire personal property loss with current pricing would have been impossible without Gary and his team.

C. & V. Martinez








I have been asked by a lot of people what is the first thing they should do if their house catches on fire. I always tell them to call 911 and then call Gary. Gary was ultimately able to negotiate another $80 thousand on the rebuild of our house and we went from $73 thousand to $160 thousand on our personal property settlement.

G. & M. Tunnell


Gary Morris came to the rescue after our home was gutted by fire. When the insurance company dug their heels in, Gary took our claim through the appraisal process and was successful in obtaining an additional $44K. I believe so strongly in his abilities and services offered that I often go out of my way to refer him to other folks who have had a fire.

L. Lee


It was a real relief to have Gary on the job. He was confident that we had a good case and he argued our case with the skill and cunning of an attorney. All of our dealings were courteous, polite, timely and efficient. Obviously, I highly recommend Gary D. Morris and Associates. They did an awesome job for us and we are very grateful. If you have had a fire loss or any other type of disaster, do yourself a favor and call Gary.

L. LaPenna


If you're looking for a public adjuster to represent you, I would strongly suggest Gary Morris. After fighting with my insurance company for over 6 months, I realized that I needed experts to help substantiate our loss. Gary took over and nearly doubled the offer that was on the table. I should have saved the aggravation and hired Gary directly after our fire, I will next time.

B. Quintana


We were so impressed with the representation of Gary Morris on our house fire 10 years ago, that we hired him to handle our major hail loss last year. He is the best kept secret in Colorado.

T. & S. Lindsey