Public Adjusters serving Denver & the Front Range

Up Front Settlements

We Work for You — Not the Insurer

Water, wind, fire, and storm damage — we handle your Colorado property claim from first inspection to final settlement.

Two people review paperwork inside a fire-damaged room with charred walls and debris.
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Water

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Wind

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Fire

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Vandalism

Colorado Client Success Stories

When the first offer doesn't cover the damage, we go back and fight for what your policy actually owes you.

Aurora, CO

Hail damage

Initial offer

$12,400

Final settlement

$58,900

The UFS difference

+$46,500

Boulder, CO

Wildfire & smoke

Initial offer

Denied

Final settlement

$142,000

The UFS difference

+$142,000

Littleton, CO

Wind & roof

Initial offer

$9,800

Final settlement

$47,600

The UFS difference

+$37,800

We've Been There

We Understand What You're Going Through

After property damage or a disaster, dealing with your insurance company can feel like a second disaster. That's why Up Front Settlements exists — to take that weight off your shoulders.


Founded by Ed Benavides, our team brings decades of insurance-industry experience to Colorado homeowners and businesses. We know how carriers value claims and how to document damage so nothing gets left on the table.

Colorado Public Adjuster Services

Whether the damage is to your home or your business, we manage the entire claim so you get the maximum settlement you're owed.

Residential Claims

Water, wind, fire, or vandalism — if your home has been damaged, our proven inspection and documentation process makes sure your claim is fully valued.


  • Water and storm damage
  • Fire and smoke restoration
  • Wind and structural damage
  • Vandalism and interior losses

Commercial Claims

Commercial losses carry unique challenges — business interruption, code upgrades, and complex policies. We handle the details so your operation gets back online.


  • Water, fire, and storm damage
  • Business interruption and lost income
  • Vandalism and multi-unit losses
  • Large-loss and complex claims

Our Difference

One Team, Entirely on Your Side

At Up Front Settlements, we have the resources, experience, and commitment to maximize your claim. Your Public Adjuster. works tirelessly on your behalf and keeps you informed at every step.


  • We only work for you.
    The carrier's adjuster works for them. We level the field.
  • No recovery, no fee.
    We're paid a percentage of what we recover for you.
  • Local to the Rockies.
    We know Colorado weather, building codes, and carriers.
Two people review paperwork at a table inside a fire-damaged room with soot-blackened walls.
Free homeowner guide

What to Do When Disaster Strikes

Ten quick moves that protect your claim from the moment damage happens. Tap through the guide below — then download the full PDF.

01

Make sure everyone is safe

Get people and pets out of harm's way before you deal with the property.

Download the guide (PDF) Instant download · No email required
PDF FREE
Colorado Homeowner Guide

10 Steps After Disaster Strikes

Every Colorado Claim We Handle

From spring storms to winter freezes, we cover the losses Colorado property owners face most.

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Water Claims

Burst pipes, ice dams, and storm flooding — fully documented and pushed for full value.

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Wind & Storm

High winds and severe storms across the Front Range — roof, gutter, and structural damage.

Fire/Smoke

From minor smoke issues to total losses — we document every layer of the damage.

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Vandalism

Break-ins and intentional property damage, interior and exterior, fully itemized.

Public Adjusters based in Denver — proudly serving all of Colorado & the Rocky Mountain region.

What Our Clients Say

Frequently Asked Questions

  • What does a Public Adjuster do?

    A public adjuster is a licensed insurance professional who works for you — the policyholder — not the insurance company. We inspect the damage, document your loss, interpret your policy, and negotiate directly with the carrier to get you the settlement you're actually owed.

  • How is a Public Adjuster different from the adjuster my insurance company sends?

    The insurance company's adjuster works for the insurance company and their bottom line. We work only for you — making sure nothing is overlooked and that your claim is valued fairly and fully.

  • Do you handle storm and weather damage?

    Yes — wind, storm, and weather-related damage, including hail, as part of your broader Colorado claim.

  • Do you handle fire and smoke damage claims?

    Yes. We handle fire and smoke damage — from minor smoke issues to total losses — including wildfire-related claims, fully documented.

  • What areas of Colorado do you serve?

    We're based in Denver and serve the entire Front Range and Rocky Mountain region — including Aurora, Boulder, Littleton, Colorado Springs, Fort Collins, and surrounding communities.

  • When should I contact a Public Adjuster?

    The sooner the better — ideally before you file, or as soon as you receive an offer that feels low. Contact us before you file your property insurance claim in Colorado and we'll make sure it's handled right from day one.

Up Front Settlements, LLC

Contact Us Today

If your property has been damaged, don't wait — reach out to learn how we can help. We're proud to serve Colorado by maximizing your claim and getting you back home or in business as quickly as possible.


Phone

(720) 654-9686


Email

ed@upfrontsettlements.com


Office

2921 W 38th Ave, #315, Denver, CO 80211

Request Your Free Claim Review