Custom materials priced as standard
Higher-value homes often have custom millwork, stone, slate or tile roofs and specialty finishes. An estimate built on standard materials can miss much of the cost to restore like kind and quality.
PUREClaim guide · independent
Texas and Colorado public adjusters · PURE claims
PURE denied or underpaid your claim?
PURE denied your claim or paid less than it takes to restore your home? Higher-value homes often involve custom materials and specialty contractors. We review the policy and the damage for free and tell you honestly what we see.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Privilege Underwriters Reciprocal Exchange (PURE Insurance). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About PURE
PURE Insurance is written by Privilege Underwriters Reciprocal Exchange, a reciprocal insurer owned by its members (policyholders). According to PURE, it is managed by an attorney-in-fact, PURE Risk Management, which runs day-to-day operations such as issuing policies and handling claims.
Privilege Underwriters Reciprocal Exchange is 27th on the Texas Department of Insurance’s 2024 company-level homeowners list (0.78% of premium) and 24th in the Colorado Division of Insurance’s 2025 homeowners data (0.67%).
Why PURE claims get denied or underpaid
General reasons homeowners in these states report for denied or short-paid claims, with any carrier (not a description of PURE’s internal rules):
Hail damage called cosmetic
Dents in metal roofing, gutters or siding are sometimes treated as cosmetic, and some Texas and Colorado policies carry endorsements that limit cosmetic hail damage to certain roof types. Read the endorsement, then document functional damage such as fractured shingle mats, granule loss and cracked tiles.
Wildfire smoke and ash
Smoke and ash can get into HVAC systems, insulation and soft goods even when a home doesn’t burn. Testing and a room-by-room cleaning scope help document it.
Mismatched repairs
Replacing a few shingles or siding panels that no longer match can leave a visible patchwork. How matching is handled depends on your policy wording, so ask how the insurer applied it.
Additional living expenses cut short
If the home isn’t livable, loss of use coverage should pay reasonable extra costs while repairs are made. Keep receipts and ask how long the insurer expects repairs to take.
Tip: Ask for the estimate and photos
Ask the insurer in writing for its adjuster’s estimate, photos and any engineer or contractor reports it relied on. Compare them line by line with the damage before you accept a payment or sign a release.
What to do after a PURE denial or low offer
In Texas
- 1
Get the decision and the reasons in writing
A Texas insurer must accept or reject a claim in writing within 15 business days after it receives everything it asked for, or within 45 days if it notifies you why it needs more time. A rejection must state the reasons (Tex. Ins. Code § 542.056).
- 2
Know the other prompt-payment deadlines
Acknowledgment and information requests within 15 days of notice (§ 542.055); payment within 5 business days after the insurer says it will pay (§ 542.057). After a commissioner-declared weather catastrophe, deadlines get 15 more days (§ 542.059).
- 3
Read the exact policy language cited
Find the exclusion or condition the letter relies on, plus your deductibles (often a percentage for wind and hail) and any cosmetic-damage or roof endorsements.
- 4
Use the policy’s appraisal clause
Appraisal is for disputes about the amount of the loss, not coverage. Each side hires an appraiser, and an umpire decides differences; TDI describes the umpire’s decision as binding.
- 5
Mind the complaint and pre-suit steps
You can complain to TDI in writing. According to TDI, if the damage was caused by a disaster, you must notify the insurer in writing at least 61 days before suing. Coastal wind claims under TWIA have a 1-year filing deadline.
More on Texas claims: Texas public adjusters
In Colorado
- 1
Request your policy right away
A Colorado homeowner’s insurer must make a copy of your policy, with declarations and endorsements, available within 3 business days after you ask, and a certified copy within 30 calendar days after a written request to its registered agent (C.R.S. § 10-4-110.8(10)).
- 2
Get the decision and the reasons in writing
Ask for the specific policy provision the denial or reduction relies on, the adjuster’s estimate and any reports. Colorado law prohibits unreasonable delay or denial of covered benefits (C.R.S. § 10-3-1115); whether that applies is a legal question for an attorney.
- 3
Know your contents and ALE rights
After a total loss of a furnished primary home’s contents, insurers must offer at least 30% of the contents limit without an inventory and allow at least 365 days to submit one. Replacement-cost dwelling policies must include at least 12 months of ALE (C.R.S. § 10-4-110.8(6), (11)).
- 4
Use the policy’s appraisal clause
If the disagreement is about the amount of loss, the appraisal clause may resolve it without court. Read its exact steps and deadlines.
- 5
Don’t rely on a shortened suit deadline
A Colorado homeowner’s policy can’t require you to sue within a shorter time than the statute of limitations (C.R.S. § 10-4-110.8(12)). Ask a Colorado-licensed attorney about legal deadlines.
More on Colorado claims: Colorado public adjusters
Real results
Claims we’ve handled in Texas and Colorado
Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as PURE claims.
HailInitial payment $967.33$125,000final recoveryLauraDallas, TexasRead the case →Plumbing leakInitial payment $4,294.32$78,000final recoveryLouisaColorado Springs, ColoradoRead the case →CommercialInitial payment $40,382.43$450,000final recoveryJoe & LuisHouston, TexasRead the case →
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
PURE claim FAQ
PURE is a reciprocal exchange. Does that change my rights?
Your rights come from the policy and the law of the state where the home is. The attorney-in-fact manages the exchange and its claims; Texas prompt-payment rules and Colorado’s homeowner protections apply to the claim the same way.
The estimate uses standard materials, but my home has custom finishes. What can I do?
Document the original materials with photos, invoices, plans or contractor records, and ask how the estimate priced like kind and quality. Specialty trades such as stone, millwork or slate often need their own bids.
How long does a Texas insurer have to accept or reject my claim?
Under the Texas Prompt Payment of Claims Act, an insurer generally must acknowledge a claim within 15 days (Tex. Ins. Code § 542.055) and accept or reject it in writing within 15 business days after receiving everything it asked for, or up to 45 days if it tells you why it needs more time (§ 542.056). Once it agrees to pay, payment is due within 5 business days (§ 542.057). After a weather catastrophe declared by the commissioner, these deadlines get 15 more days (§ 542.059).
How do I get a copy of my policy in Colorado?
Ask your insurer. Under C.R.S. § 10-4-110.8(10), a homeowner’s insurer must make a copy of your policy, including the declarations page and endorsements, available within 3 business days after you request it, and a certified copy within 30 calendar days after a written request to its registered agent.
Can you guarantee the insurer will change its decision?
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
What does the review cost?
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources
- PURE Insurance, The Strength of PURE’s Model (reciprocal exchange and attorney-in-fact)
- Texas Department of Insurance, Top 40 list of insurers in Texas: Homeowners (company level)
- Colorado Division of Insurance, 2025 Colorado Insurance Industry Statistical Report (data as of Dec. 31, 2025), Homeowners Multiple Peril, written premium and market share by company
- Washington Office of the Insurance Commissioner, 2025 market information report, Appendix E: Top 40 authorized companies by line of business, Homeowners Multiple Peril (NAIC data, market share of 2025 direct premiums earned)
- Texas Insurance Code, Chapter 542, Subchapter B (Prompt Payment of Claims), §§ 542.055–542.060
- Texas Department of Insurance, Home insurance guide (claims deadlines, appraisal, complaints; updated June 1, 2026)
- C.R.S. § 10-4-110.8 (Colorado homeowner’s insurance: required practices, policy copies, contents, suit limitations), as amended by HB 25-1322
- C.R.S. § 10-3-1115 (Colorado: improper denial or delay of claims)
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Privilege Underwriters Reciprocal Exchange (PURE Insurance). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.