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How To: File an Insurance Claim in Colorado

With Colorado ranking second in the U.S. for hail-related insurance claims, it’s no surprise that homeowners are familiar with the damage caused by extreme weather. After severe storms, such as those producing golf ball-sized hail, it’s common for roofing contractors to begin cold calling or going door-to-door.


We’ll walk you through the steps to file a roofing insurance claim in Colorado, emphasizing the importance of choosing a reputable roofing company. We’ve broken down the process into simple, actionable steps to guide you and ensure a smooth claims experience.



The Basics


Before diving into the steps for filing a roofing insurance claim, it's essential to familiarize yourself with the basics:


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


  • Make sure your homeowner's insurance policy covers roof damage caused by weather-related incidents.


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





Filing a 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.


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


Tips for Hiring a Reliable Contractor & Filing a Claim

Hold off on putting pen to paper right away

Jumping into a contract at the onset of discussions with a roofing contractor might tie your hands. It can prevent you from gathering other estimates, potentially locking you into a deal with this contractor, regardless of their charges, reputation, or skill set.


Take a step back & do your homework

Yes, credible roofing businesses might be swamped after a major storm, and that's perfectly fine. If your roof isn't experiencing leakage, it can usually hold up until you can book the contractor you feel most secure with for your repair or re-roofing job.


If your roofing contractor or insurance adjuster uncovers signs of hail-induced damage, it's up to you to hire the roofing contractor in charge of repairing your roof.

It's wise to reach out to more than one roofing company for estimates, as these might differ from the adjuster's evaluation.

The roofing company you eventually go with will collaborate with your insurance adjuster to make sure your quote includes everything your project needs. At this point, it's crucial to understand what the insurance company is covering and what charges will end up on your tab (your deductible, any upgrades, and so forth).

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.



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.

Source: The Colorado Roofing Association (https://www.coloradoroofing.org/news/filing-a-roofing-insurance-claim-in-colorado)

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