When severe weather strikes in Colorado—especially hailstorms, wind gusts, or heavy snowfall—your roof often takes the brunt of the damage. Therefore, filing a roof insurance claim might seem daunting, but understanding the roof damage claim process can help you recover faster and protect your property value.
Whether you’re a homeowner in Lakewood or managing rental property in Aurora, this guide breaks down everything you need to know: what’s covered, how to file, when to call your insurance, and why working with a trusted Denver roofing company like A-Denver Roofing is essential.
🌀 What Causes Roof Damage in Colorado?
Colorado is no stranger to extreme weather. In fact, according to the National Weather Service, Colorado sees dozens of hail events annually, especially in the Front Range and Eastern Plains. These storms often lead to:
Cracked or missing shingles
Granule loss on asphalt roofs
Water leaks and ceiling stains
Structural damage to decking or flashing
If you’re unsure whether your home in Arvada, Highlands Ranch, or Colorado Springs has storm damage, don’t wait—get a free inspection today.
👉 Schedule a Free Roof Assessment »
🧾 Understanding Your Insurance Coverage
Most homeowners insurance policies in Colorado cover roof damage from:
Hail
Windstorms
Fallen trees or debris
However, coverage can vary depending on:
Your roof’s age
Depreciation clauses
Policy limits and deductibles
💡 Tip: Check whether your policy is ACV (Actual Cash Value) or RCV (Replacement Cost Value). RCV policies pay for full replacement minus your deductible, while ACV factors in depreciation and usually pays less.
🧑🔧 Why Call a Roofer Before Filing a Claim
Homeowners often make the mistake of calling their insurer before speaking to a roofing contractor. However, here’s why calling A-Denver Roofing first is better:
We identify damage insurance adjusters might miss
We provide a professional estimate that can be submitted with your claim
We meet the adjuster onsite to advocate for a full and fair payout
👉 Learn more about our storm damage inspection process
📝 How to File a Roof Insurance Claim in Colorado
Filing your claim the right way can mean the difference between approval and denial. To begin, follow these steps:
First, document the damage (photos, videos, and written notes)
Next, contact A-Denver Roofing for a certified inspection
Then, call your insurance provider and open a claim
Schedule an adjuster inspection
Share your roofer’s estimate with your adjuster
Get claim approval and start the repairs
Meanwhile, keep all documentation organized and respond quickly to any requests from your insurer.
At A-Denver Roofing, we help clients with the entire roof damage claim process, from initial inspections to final invoicing.
⚠️ Common Insurance Claim Mistakes to Avoid
To avoid delays or denial, make sure you don’t fall for these pitfalls:
Waiting too long: Most policies require prompt reporting (within 30–90 days)
DIY repairs: Can disqualify you from full coverage
Using out-of-state contractors: Many are uninsured and disappear after storms
Not reading your deductible: Some hailstorm deductibles are percentage-based and higher than expected
📚 For a legal update on timelines, read this Colorado Supreme Court ruling, which recently made it easier for some delayed claims to be processed.
🔧 What Happens After Approval?
Once your insurance claim is approved:
We’ll review the insurance scope of work
Plan and schedule your repairs or full roof replacement
Handle permitting and cleanup
Submit final paperwork to your insurance company
As a result, you’ll be reimbursed completely and your roof will be brought up to code.
✅ We work with all major insurance companies, including State Farm, Allstate, USAA, and Farmers.
📍 Serving the Entire Denver Metro Area and Beyond
We proudly provide roof inspections, repairs, and full replacements for storm-damaged roofs in:
Denver
Lakewood
Thornton
Westminster
Aurora
Colorado Springs
Golden
Parker
So, if you need fast help, call us now for urgent Denver roof repair.
❓ Frequently Asked Questions (FAQs)
Q: Will my premium go up if I file a roof claim?
A: Not necessarily. Storm-related claims are usually considered “acts of God” and don’t affect your rates the same way as liability claims.
Q: How long does the roof claim process take?
A: It can take anywhere from 2 to 6 weeks, depending on your insurer and the adjuster’s timeline.
Q: Can I choose my own roofer?
A: Yes! You’re not required to use the insurer’s suggested contractor. Instead, always hire a licensed local company like A-Denver Roofing.
📣 Get Help With Your Roof Damage Claim Today
Navigating the roof insurance claim process doesn’t have to be stressful. At A-Denver Roofing, we guide you through every step—from free inspections to meeting with adjusters and finishing the job right.
🛠️ Don’t wait for another storm.
📅 Book Your Free Roof Inspection Now »
📞 Or call us at 303-455-3185 for immediate support.
