Think your bathroom remodel is just about picking tile and faucets? Think again. Across Denver Metro, dozens of homeowners are waking up to unexpected costs, city code violations, and worse—insurance cancellations—because they didn’t know what to ask their contractor before demolition began.
“I thought we were just doing a basic update…”
That’s what Claire B., a homeowner in Centennial, said before her remodel turned into a nightmare. Her contractor didn’t account for plumbing that wasn’t up to code. When the city inspector flagged it mid-project, her insurance company got involved—and ultimately dropped her policy until the issue was resolved. She paid an extra $8,400 and went uninsured for 43 days.
Your Insurance Company Is Watching—Even If You Think They Aren’t
Since last summer’s Marshall Fire, insurers across Colorado have cracked down. They’re sending adjusters, increasing inspections, and pulling historical permit records. If you remodel without the right permits, with substandard work, or fail to upgrade outdated electrical and plumbing systems, your policy can be canceled or denied at renewal. And you won’t find out until it’s too late.
It’s Not Just About Compliance—It’s About Protecting Your Biggest Asset
Most Denver homeowners assume their contractor will “handle everything.” But many don’t. In fact, very few contractors understand how to properly navigate remodels while staying within both code and insurance policy requirements. The result? Thousands in hidden costs and unnecessary risks.
Here’s The Truth: Cheap Contractors Cost More In The End
Those too-good-to-be-true quotes often skip crucial line items like water damage repair, code compliance, asbestos mitigation, or permit handling. They may also use unlicensed subcontractors who cut corners on waterproofing—a huge red flag in Denver’s dry-to-humid seasonal cycles.
“Most of our work is fixing what someone else messed up.”
That’s what our senior project manager at Peak Builders & Roofers of Denver says all the time. We’ve had to step in and rescue projects where walls were already open, water was leaking behind improperly sealed tile, and the city had issued a stop-work order. The homeowners were furious—but also scared. Their insurance company had been notified. Their bathroom wasn’t usable. Their home value was dropping.
We’ve Become The Remodelers That Insurance Companies Trust
At Peak Builders, we’ve worked with every major insurance carrier in the Denver Metro area. We know how to document upgrades, photograph stages, meet compliance guidelines, and avoid red flags that trigger audits or cancellations. Very few remodelers in Denver can say the same.
There’s A Reason So Many Of Our Clients Refer Us To Their Neighbors
When the stakes are high, people rely on who they know has done it right before. That’s why over 60% of our new business comes from direct referrals and repeat clients. We’re known not just for making bathrooms beautiful, but for making the process bulletproof.
Remodeling Today Is Not Like It Was 5 Years Ago
With rising material costs, tighter city regulations, and a volatile insurance market, it’s never been more important to work with experienced, licensed professionals. One misstep can lead to a chain reaction—permit fines, delays, denied claims, or even lawsuits during resale.
Here’s What To Do Before You Lift A Hammer:
Ask your contractor how they handle code upgrades
Request proof of license and insurance (not just verbal)
Require itemized bids—not vague lump sums
Confirm they’ve worked with insurance carriers before
Get a timeline and permit plan in writing
Don’t Let A “Small” Remodel Put Your Home And Coverage At Risk
We’re urging Denver homeowners to act now—not just because remodeling prices are rising, but because fewer and fewer insurance carriers are renewing policies on outdated homes. If you’ve been meaning to upgrade your bathroom, now’s the time to do it right, with the team that’s done it hundreds of times before.