The Complete Guide to Roof Insurance Claims in Colorado
Navigating a roof insurance claim in Colorado can feel overwhelming — especially after a damaging hailstorm. But understanding the process and your rights as a homeowner can make the difference between a smooth repair and a stressful battle. Here’s a comprehensive guide to help you through every step.
Step 1: Understand What’s Covered
Most standard homeowner’s insurance policies in Colorado cover sudden and accidental damage, including hail, wind, and fallen trees. Coverage may usually includes:
Roof repair or replacement
Water damage caused by roof failure
Damaged flashing, vents, gutters, or skylights
Not typically covered:
Normal wear and tear
Improper maintenance
Previous unreported damage
Step 2: Document the Damage
After a storm, walk around your home (safely) and photograph:
Shingle debris or hail in your yard
Dented gutters and downspouts
Siding or window screen damage
Interior leaks or ceiling stains
This evidence will support your claim and create a timeline.
Step 3: Schedule a Roof Inspection
Before calling your insurer, contact a reputable local roofing contractor like Ideal Roofing and Solar. We’ll perform a free inspection and document storm damage with photos and a detailed report.
Why this matters: Roofing professionals are trained to identify hail and wind damage.
Step 4: File Your Insurance Claim
Call your insurance company or submit a claim online. You’ll receive a claim number and a visit will be scheduled with an adjuster to inspect your property.
Pro Tip: Ask your roofer to meet with the adjuster on-site to ensure accurate damage documentation and support your claim.
Step 5: Review the Insurance Estimate
After the adjuster visit, your insurer will send an estimate based on their findings. Be sure to:
Compare their scope with your roofer’s report
Confirm code upgrades and permit costs are included
Understand depreciation and deductible calculations
Your policy may be ACV (Actual Cash Value) or RCV (Replacement Cost Value) — this affects how much you’re paid.
Step 6: Get the Work Done
Once your claim is approved, your contractor can begin repairs. Most roofing companies can begin work once the first insurance payment (ACV check) is issued.
Ideal Roofing and Solar will:
Pull permits
Schedule and complete work
Document the process with photos
Handle supplements for additional missed items
Step 7: Final Inspection and Payment
After the project is complete, your insurance provider may require a final inspection. Then they’ll release the remaining funds (recoverable depreciation).
You’ll pay your deductible directly to the contractor.
Why Choose Ideal Roofing and Solar
We’ve helped hundreds of Colorado homeowners through the insurance claim process. Our team advocates for you every step of the way — from documentation to final payment.
Call today for a free inspection and expert guidance on your roof insurance claim.