Filing a roofing insurance claim in Colorado can be complex, but understanding the process helps you get the compensation you deserve. This December 2025 guide covers everything Denver homeowners need to know about roof insurance claims.
Colorado Insurance Claim Deadlines
Understanding claim deadlines is critical for protecting your rights:
- Notification Period: Most policies require reporting damage "promptly" or within 60-90 days
- Filing Deadline: Colorado law generally allows 1-2 years from the date of damage
- Statute of Limitations: Legal action against insurers must typically begin within 2 years
The Insurance Institute for Business & Home Safety (IBHS) reports that 53% of homeowners wait too long to file claims, reducing approval rates significantly. File promptly for best results.
Step-by-Step Claims Process
Step 1: Document Everything Immediately
After discovering damage, document before any temporary repairs:
- Take dated photos and videos from multiple angles
- Photograph both exterior damage and any interior water stains
- Save weather reports confirming storm dates
- Note the date, time, and conditions when damage occurred
Step 2: Prevent Further Damage
Your policy requires you to mitigate additional damage. Take reasonable protective measures:
- Place tarps over exposed areas or request emergency tarping service
- Collect water with buckets to prevent interior damage
- Keep receipts for any emergency supplies purchased
These emergency costs are typically reimbursable under your policy.
Step 3: Contact Your Insurance Company
File your claim by calling your insurer's claims line:
- Obtain a claim number and adjuster contact information
- Ask about your deductible and coverage limits
- Request a copy of your policy if you don't have one
- Ask about claim timeline expectations
Step 4: Get a Professional Roof Inspection
Before the adjuster visits, have a licensed roofing contractor inspect your roof:
- Professional inspectors often find damage homeowners miss
- You'll have documentation to compare against adjuster findings
- Your contractor can explain damage severity in technical terms
We provide free, comprehensive inspections with detailed photo documentation.
Step 5: Meet with the Insurance Adjuster
When the adjuster arrives, be prepared:
- Have your contractor present to point out all damage
- Share your photos and inspection documentation
- Walk the property together if safely possible
- Take notes on what the adjuster says and measures
Adjusters may miss damage—having your contractor present helps ensure complete assessment.
Understanding Your Coverage
What's Typically Covered
- Hail damage to shingles, tiles, metal, and flashing
- Wind damage and missing shingles
- Fallen tree and debris damage
- Fire and lightning damage
- Vandalism damage
What's Usually Excluded
- Normal wear and tear
- Gradual deterioration and aging
- Neglected maintenance issues
- Pest or animal damage
- Flood damage (requires separate policy)
Understanding Deductibles in Colorado
Colorado policies typically have one of two deductible types:
- Flat Deductible: Fixed amount ($500-$2,500 typical)
- Percentage Deductible: 1-2% of home value (common for hail/wind)
For a $500,000 home with a 2% hail deductible, you'd pay $10,000 before insurance kicks in. Check your policy to understand your specific deductible.
What If Your Claim Is Denied or Underpaid?
Don't accept unfavorable decisions without challenging them:
- Request Written Explanation: Insurers must provide reasons in writing
- File a Supplement: Submit additional documentation showing missed damage
- Request Reinspection: Ask for a second adjuster to reassess
- Invoke Appraisal Clause: Most policies allow independent appraisal if you disagree
- Contact Colorado Division of Insurance: File a complaint if you believe the insurer acted unfairly
December 2025 Tip: Year-End Claims
If you experienced hail or wind damage earlier in 2025, December is an important time:
- Claim deadlines may be approaching
- Insurance adjusters are often less busy in winter
- Document any damage before winter weather causes additional deterioration
- Complete repairs before spring storm season begins
We Handle Insurance Claims for You
Navigating insurance claims is stressful. We provide complete claims assistance including:
- Free comprehensive damage inspections
- Professional photo and video documentation
- Detailed damage reports for your adjuster
- On-site meetings with insurance adjusters
- Supplement filings if initial estimates are low
- Communication with insurance companies on your behalf
Call (720) 443-5386 for your free inspection and claims consultation. We've helped thousands of Denver homeowners maximize their insurance settlements since 2003.