Storm Damage Restoration

From the ground, look for dented gutters or downspouts, damaged window screens, and granules piling below downspout outlets — those are strong indicators the shingles took hits too. Actual shingle bruising is usually invisible from the ground, which is why we chalk-mark and photograph every strike during a free inspection. Don't climb the roof yourself; hail-bruised shingles are also slippery shingles.

You report the storm date to your insurer and they assign an adjuster to inspect. Before that inspection happens, get your own documentation — our free storm inspection chalk-marks and photographs every strike, and we'll meet the adjuster on the roof to walk the evidence together. If the claim is approved, you typically receive an initial payment (actual cash value), we do the work, and the insurer releases the recoverable depreciation. You pay your deductible — in Colorado, a contractor offering to 'cover' or rebate your deductible is breaking the law.

Hail claims in Colorado are typically filed as 'act of God' catastrophe claims, which insurers treat differently from negligence claims — your individual rate usually isn't singled out for one storm claim, though region-wide rates rise after big hail years regardless of whether you filed. What does affect you: skipping a legitimate claim can leave damage undocumented, and unrepaired hail damage can complicate coverage or a future home sale.

Yes. Most Colorado homeowner policies require claims within one year of the storm date, and some have shorter windows — check your policy's 'duty after loss' language. Separately, supplement items and depreciation recovery have their own deadlines once a claim is open. If a storm hit your area months ago and you never got an inspection, do it now; we date-stamp the documentation against the storm's weather record.