Filing a Roofing Insurance Claim in Colorado: A Step-by-Step Guide

With Colorado ranking second in the United States for hail-related insurance claims, it’s no surprise that homeowners are familiar with the damage that can occur with extreme weather. In fact, it is common for homeowners to start receiving phone calls and door-to-door solicitation from roofing contractors after severe weather events, such as golf ball-sized hail.

In this blog, we will discuss the steps involved in filing a roofing insurance claim in Colorado, emphasizing the significance of working with a reputable roofing company. We've broken down the process into clear, actionable steps to guide you through the process and ensure a smooth claim experience. 

Roofing Insurance Basics in Colorado

Before diving into the claims process, here are a few key things to know about roofing insurance:

• Colorado is prone to hailstorms, high winds, and other severe weather conditions, which can cause significant damage to your roof. 

• Check your homeowner's policy to make sure weather-related damage is covered, and note your deductible and coverage limits.

• Review your policy's deductible and coverage limits to understand the extent of your roof's protection.

• Be aware of evolving insurance trends, such as restrictions on coverage for older roofs. Many insurers now consider roofs 20 years old or older too risky, especially those made of materials like asphalt, which have a shorter lifespan compared to metal or tile.

• It’s also important to understand two types of coverage: Replacement Cost Value (RCV) and Actual Cost Value (ACV):

• RCV: Pays the full cost of replacing your damaged roof with a new one of similar kind and quality, minus your deductible.

• ACV: Factors in depreciation based on your roof's age and condition. It pays the current market value of your roof, which may not cover the cost of a full replacement. 

Steps to File a Roofing Insurance Claim

1. Inspect the damage: After a storm or other roofing damage-causing event, inspect your roof for any visible damage. Note any missing or damaged shingles, dents, or other issues. 

2. Document the damage: Take clear photos of the damaged areas from different angles. These photos will serve as evidence when filing your claim. If your roof suffered hail damage, take a picture of the size of a hail stone next to a tape measure.

3. Contact your insurance company: Reach out to your insurance company to report the damage and initiate the claim process.

   • Make sure to clarify replacement cost value vs. actual cost value in your policy.

   • Check with your agent to see what your deductible amount is and what mortgage company is listed on your account, if applicable.

4. Schedule an appointment with an insurance adjuster: Arrange for an adjuster to inspect your roof and assess the damage. They will determine the extent of the damage and estimate the repair costs.

5. Hire a reputable roofing contractor: Select a reliable, licensed, and insured roofing contractor to work on your claim. The contractor will perform a thorough inspection, provide a written estimate, and work with the insurance adjuster to ensure you receive a fair claim settlement. 

   • Severe weather often attracts storm-chasing contractors who use high-pressure tactics and make false promises, always take precautions to avoid roofing scams.

6. Review the settlement offer: Compare the adjuster's estimate with your contractor's evaluation. If you disagree with the adjuster's assessment, your contractor can help negotiate a better settlement.

7. Finalize the claim: Once you and your insurance company agree on the settlement, sign off on the paperwork, and your roof repairs can begin

Commonly Asked Questions: 

Should You Call a Roofer or Your Insurance Company First After Discovering Roof Damage?

If the damage needs urgent repair, call a roofer first to prevent more damage. Otherwise, check with your insurer, as some policies require that they’re contacted first. Working with a reputable roofer who knows the insurance process can help make things easier.

Want to dive deeper into this topic? Read our full blog for more guidance.

How Long Do You Have to File a Claim?
The time frame to file a claim varies by insurance company, but the average is around one year. After large storms, some insurance companies extend this period. Always check with your insurer for specific timelines.

Do Roofing Contractors Work with Insurance Companies?

Yes, many reputable roofing contractors assist with negotiating to help you get the best settlement, ensuring you get the coverage you deserve.

Tips for Hiring a Roofing Contractor and Filing Insurance Claims Following Severe Weather 

Take your time before signing a contract.

Avoid rushing into an agreement with a roofing contractor at the start of your discussions. Signing too soon can limit your options and leave you locked into a deal, even if the contractor's pricing, reputation, or skills don’t align with your needs. Instead, gather multiple estimates to make an informed decision.

Do your research and prioritize quality.

Reputable roofing companies are often busy following a storm. If your roof isn’t leaking, it’s usually fine to wait until you can hire a contractor you trust. Take the time to investigate their credentials, reviews, and past work to ensure quality service.

Get estimates and compare.

If your roofing contractor or insurance adjuster identifies hail damage, it’s your responsibility to hire a contractor for the repairs. Once you receive the adjuster’s evaluation, request quotes from several contractors to ensure fair pricing and quality workmanship.

Understand your insurance coverage.

The contractor you choose will work with your insurance adjuster to ensure the quote includes everything required for the project. Review the details carefully, and make sure you know what your insurance covers and what costs you’ll need to pay, such as deductibles or optional upgrades.

The Importance of Working with a Reputable Roofing Company

A trustworthy roofing contractor can:

• Ensure a thorough inspection: A reputable roofer will identify and document all the necessary repairs, strengthening your claim.

• Provide expert guidance: Your contractor will assist you through the claims process, helping you avoid missteps that could delay or reduce your settlement.

• Work with insurance adjusters: An experienced contractor will communicate and negotiate with your insurance adjuster, improving the likelihood of obtaining a fair settlement.

• Offer quality workmanship: Hiring a professional company guarantees the best materials and installation techniques, ensuring your roof remains durable and long-lasting.

For more information, check out our guide for Selecting a Professional Contractor. 

Video: Hiring a Roofer & Filing an Insurance Claim

We’ve created a video to walk you through the importance of understanding your policy, contacting your agent, and how the Colorado Roofing Association can help you find a trusted contractor.

Benefits of Hiring a Professional Roofer for Your Insurance Claim

• Peace of mind: Trustworthy roofers will handle the claims process, saving you time and stress.

• Efficient repairs: Reputable contractors complete projects on time, minimizing disruptions to your daily life.

• Warranty coverage: Many professional roofing companies offer warranties on their work, giving you confidence in your roof's long-term protection.

Filing a roofing insurance claim can be overwhelming. Still, by following these steps and working with a reputable roofing contractor, you can secure the best possible settlement for the damage to your roof while ensuring quality repairs and lasting protection.

For more guidance on roof maintenance or to find a reliable roofing contractor in Colorado, check out the Colorado Roofing Association’s member directory and connect with a trusted professional to make sure your home stays protected.

For expert guidance on roof maintenance, explore our guide: Roof Maintenance, Repair, and Replacement. To find a trusted roofing contractor in Colorado, visit the CRA member directory and connect with a reliable professional to keep your home protected.