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The Colorado Hail Claim Playbook
Exactly what to do in the first 14 days after a hailstorm — written by Colorado roofers for Colorado homeowners.
What's inside
- 1What 'hail damage' actually means to an insurance adjuster
- 2The first 48 hours: what to do (and what to leave to the pros)
- 3When NOT to file a claim (and how to tell)
- 4Choosing a contractor: 7 questions that filter out storm chasers
- 5What your deductible really covers
- 6Adjuster meeting: what to say, what not to say
- 7Supplements & code upgrades — money most homeowners leave on the table
- 8Timeline: from claim filed to new roof installed
Why we wrote this: Most Colorado homeowners file a hail claim once or twice in their life — and lose thousands by not knowing the process. We've walked hundreds of Colorado homeowners through it. This is what we tell each one.
Before you file — check your policy
Your out-of-pocket cost depends on whether your policy has an ACV roof endorsement, a percentage wind/hail deductible, or a cosmetic damage exclusion. Run a free 60-second policy check at RateMyPolicy to see your exposure before an adjuster ever shows up. (Independent third party — we don't get paid for the referral.)