Got hail? Here is what to do next.
The Front Range sits in one of the most active hail zones in the country. Damage is not always visible from the ground, and insurance policies have deadlines. Get it inspected.
Your first 72 hours
Stay safe
Do not climb on a wet or damaged roof. If water is coming in, move valuables and call us for emergency tarping.
Document
Photograph dented gutters, downspouts, window screens, vehicles, and outdoor furniture. Note the date and time of the storm.
Get inspected
We walk every slope and photograph hail hits, bruising, granule loss, and damaged vents and flashing. Free.
Decide
If there is damage worth claiming, you file with your insurer. If there is not, we tell you that too.
We help you document. You stay in control.
Insurance claims are between you and your carrier. Our job is to give you and your adjuster accurate, complete information so the scope matches the real damage.
- Photo damage report with slope-by-slope documentation and measurements.
- Adjuster meeting. We meet your adjuster on site to point out the damage we found.
- Scope review. We compare the insurance scope against the code-required work and show you any gaps in writing.
- Code items called out. Ice and water shield, drip edge, and ventilation requirements documented.
Your rights under Colorado law
Colorado's residential roofing law (SB 12-038, C.R.S. 6-22-101 and following) protects homeowners. Here is how we follow it:
- Written contract with scope of work, materials, price, and estimated schedule.
- 72-hour cancellation right if your insurer denies all or part of your claim.
- No deductible games. It is illegal for a roofer to pay, waive, or rebate your deductible. We never do, and you should walk away from anyone who offers.
- We do not act as your public adjuster or negotiate your claim for you. That is your call, and your right.
How to spot a storm chaser
After a big storm, door knockers show up fast. Protect yourself.
- No local address or out-of-state plates and phone numbers.
- Offers to cover your deductible or "make the roof free." That is insurance fraud in Colorado.
- Pressure to sign today, or a contract assigning your insurance benefits before anyone inspects.
- Large cash deposit up front before materials are ordered.
- No proof of insurance or no local contractor license where one is required.
Straight answers
Is the inspection really free?
Yes. Storm inspections and replacement estimates are free with no obligation. You keep the photo report either way.
How do I know if hail damaged my roof?
Common signs include dented gutters, downspouts, and vents, cracked or bruised shingles, and heavy granule loss in your gutters. Many hits are only visible up close, which is why an on-roof inspection matters.
How long do I have to file a claim?
It depends on your policy. Many policies set a time limit from the date of loss, so check yours or call your agent as soon as you suspect damage.
Will filing a claim raise my rates?
Weather claims are usually treated differently from at-fault claims, but every carrier is different. Ask your agent. We will give you the facts about your roof so you can decide.
Can you pay my deductible?
No. Colorado law prohibits roofing contractors from paying, waiving, or rebating an insurance deductible. Any roofer who offers is breaking the law and putting your claim at risk.
Should I upgrade to Class 4 shingles?
On the Front Range it is often worth it. Class 4 impact-rated shingles resist hail better, and many insurers offer a premium discount for them. We will price both options side by side.
How long does a replacement take?
Most homes are torn off and re-roofed in one to two days once materials are delivered, weather permitting. Commercial projects are scheduled with you in phases.
Is there a Colorado grant for hail-resistant roofs?
Colorado passed SB26-155 in 2026, creating a state enterprise funded by a fee on homeowners insurers starting in 2027, with most of the money earmarked for grants to help homeowners install resilient roofs. Program rules and timing are still being set. Ask us for the current status when you schedule your inspection.
Does Fort Collins or Larimer County require Class 4 shingles?
Yes. Fort Collins has required UL 2218 Class 4 impact-resistant asphalt shingles since January 2019, and unincorporated Larimer County requires Class 4 shingles and a Class A covering on new and replacement roofs. We install Class 4 as standard across Northern Colorado.
Storm just hit?
Call or text now. Emergency tarping available.