Insurance Claim Specialists
Hail damage in Colorado Springs? You pay your deductible. That's it.
Colorado Springs averages 3–4 damaging hailstorms per year. We've handled thousands of claims since 2010 — and we make the process painless from inspection to final invoice.
How our claim process works
No paperwork burden on you. No surprise charges. No out-of-state storm-chaser shenanigans.
1. Free inspection
We climb the roof, check siding, windows, and gutters, and document every spot of hail or wind damage with photos.
2. Claim documentation
You get a full photo report you can send your insurance carrier. We help you file if you haven't already.
3. Adjuster meeting
We meet the insurance adjuster at your home so nothing legitimate gets denied or undervalued.
4. Rebuild
Once approved, our crew handles the work — usually 1–2 days for a roof replacement.
5. Direct billing
We bill your insurance carrier directly. You pay only your deductible — nothing more.
What will your hail claim actually cost you?
Two Colorado homeowners pay the same premium and walk away with wildly different payouts. The difference is buried in your policy: ACV vs. RCV roof coverage, percentage deductibles (1–2% of dwelling can mean $8k–$15k out of pocket), and code-upgrade exclusions.
Before we meet your adjuster, we recommend running a free policy check with RateMyPolicy — an independent tool that flags hidden coverage gaps in 60 seconds. No upload, no email required to see results.
RateMyPolicy is an independent third-party service. Jax Roofing receives no compensation for this referral.
Common Colorado coverage traps
- 2% wind/hail deductible on a $500k home = $10,000 out of pocket per storm.
- ACV roof endorsement — carrier pays depreciated value, not replacement cost.
- Cosmetic damage exclusion — denies metal roofs and gutters dented but "functional."
- Missing code upgrade coverage — you eat the cost of ice-and-water shield, drip edge, etc.
FAQ
- Will filing a claim raise my rates?
- Hail and wind claims are weather-related — Colorado law generally prevents insurers from raising your individual rates for an act of God. Your agent can confirm.
- What if my insurance denies the claim?
- We'll re-inspect with you, document what was missed, and request a re-inspection from the carrier. We've had many denials overturned.
- How long do I have to file?
- Most Colorado carriers give you 12 months from the date of the storm, but the sooner the better — evidence weathers away.
- Do you handle siding, windows, and gutters too?
- Yes. One claim, one contractor — we restore everything the storm damaged.