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After a Colorado thunderstorm rips through your neighborhood, you might notice a few shingles in the yard, or worse, a leak forming in your attic. If your roof takes a hit, knowing how to navigate Colorado roof insurance claims is essential for protecting your home and finances.
Roof repairs after hail, wind, or snow damage can add up quickly. The insurance claim process exists to help, but it can be confusing and frustrating to handle alone. That’s where this guide comes in.
Not sure where that leak is coming from? Mile High Roofing Services can help with a free inspection and expert claim support.
What Is a Roof Insurance Claim (and Why It Matters)?
In plain terms, a roof insurance claim is a request you file with your homeowners insurance company to cover the cost of repairs after your roof is damaged. In Colorado, hailstorms, high winds, and heavy snow are common causes of roof damage, which is why storm damage roofing claims are so frequent here.
But filing a claim doesn’t guarantee approval. Insurance companies often challenge whether damage was caused by the storm, or argue that wear and tear or improper installation is to blame.
Colorado ranks second in the U.S. for hail-related insurance claims. That means local insurers are cautious, and homeowners need to be informed and proactive to get the full payout they deserve.
If you don’t act fast after a storm, you risk missing your window to file. Most policies require claims to be filed within one year, and some counties have strict rules about documentation. That’s why working with a reputable, licensed roofer in Colorado, like Mile High Roofing Services, can make all the difference.
Before You File a Claim: What You’ll Need
Getting your paperwork in order ahead of time saves stress and increases your chances of a successful outcome.
Here’s what you should prepare:
- Photos and video: Take multiple angles of any visible damage (shingles, gutters, interior leaks).
- Roof inspection: Schedule a pro inspection with a licensed contractor to uncover hidden damage.
- Policy details: Know your deductible, your coverage type (ACV vs. RCV), and any exclusions.
- Repair history: If your roof was previously repaired or replaced, keep records on file.
- Mortgage info: Insurance checks may be co-issued with your mortgage company.
Filing a claim without this information could lead to delays or a lower settlement than you deserve.
Step-by-Step: Navigating Colorado Roof Insurance Claims
1. Inspect and Document the Damage
After the storm clears, safely walk around your home and photograph any visible damage. This includes missing shingles, dented vents, fallen limbs, and interior leaks.
2. Get a Professional Roof Inspection
Contact a trusted roofing contractor for a full inspection. At Mile High Roofing Services, we provide thorough assessments, including photos, damage reports, and repair estimates.
3. Review Your Insurance Policy
Understand what’s covered and how your claim will be processed. Policies typically pay either Replacement Cost Value (RCV) or Actual Cash Value (ACV).
- RCV: Covers full replacement cost, minus your deductible.
- ACV: Pays current market value after depreciation.
4. File the Claim
Call your insurance company or file online. Be prepared to submit your documentation and provide a date of loss (the date of the storm).
5. Meet with the Insurance Adjuster
Your insurer will send their adjuster to assess the damage. Having your roofing contractor present helps ensure nothing is overlooked.
6. Compare Estimates
Your contractor’s estimate may differ from the adjuster’s report. A good contractor can help you negotiate fair reimbursement.
7. Approve Work and Begin Repairs
Once the claim is approved, you’ll receive the first payment (usually ACV). After the work is completed, the remaining funds are released.
The Risks of Going It Alone (and the Value of a Trusted Roofer)
Trying to navigate Colorado roof insurance claims without expert support can leave homeowners vulnerable to underpayments, missed damage, or even claim denials.
Insurance companies may reject a claim if:
- The damage is considered cosmetic only
- The roof is over 20 years old
- The damage is deemed pre-existing or due to poor maintenance
With Mile High Roofing Services on your side, you get:
- A full damage report to support your claim
- In-person adjuster support to advocate for a fair payout
- Honest advice on whether a claim is even necessary
- Licensed repair work that meets code and warranty standards
In storm-prone cities like Denver, Castle Rock, and Colorado Springs, our team has helped hundreds of homeowners successfully navigate storm damage roofing repairs from start to finish.
Quick Reference: Insurance Claim Essentials
- Document everything: Photos, videos, receipts, prior maintenance records
- Understand your policy: Know your deductible and RCV vs. ACV terms
- Don’t delay: Most insurers have 6–12 month deadlines
- Hire a pro: Choose a licensed roofer to inspect and support your claim
- Attend the adjuster’s visit, And bring your contractor with you
Colorado Roofing Insurance Claim FAQs
What’s The First Step After Storm Damage?
Start by taking photos of visible damage, then schedule a roof inspection before contacting your insurer.
How Do I Know If My Policy Covers Storm Damage?
Most homeowner policies in Colorado cover storm damage roofing, but the payout depends on your roof’s age and your policy type. Check for exclusions and depreciation.
What If The Insurance Company Denies My Claim?
You can appeal the decision with additional documentation or seek help from a public adjuster or attorney. Mile High Roofing Services can help you evaluate your next steps.
Can I Start Repairs Before The Claim Is Approved?
Only perform temporary repairs to prevent further damage (like tarping). Don’t begin full repairs until the claim is approved, or you risk coverage issues.
Should I Meet With The Insurance Adjuster?
Yes. Being present ensures your concerns are heard, and having your contractor there adds credibility and technical insight.
Secure Your Roof, and Your Claim, with Mile High Roofing Services
Storms in Colorado can strike fast, but recovery doesn’t have to be overwhelming. With the right plan and the right people on your side, filing a roofing insurance claim can be smooth and stress-free.
At Mile High Roofing Services, we’ve earned the trust of homeowners by combining skilled workmanship with expert claim support. We’ll help you assess the damage, understand your policy, and work directly with your insurer, so you get the full coverage you’re entitled to.
Schedule your free estimate today and take the first step toward a stronger, storm-ready roof. We’re here to help, before, during, and after the claim.
