Complete step-by-step guide to filing successful hail and wind damage claims. We've helped 312+ Denver homeowners navigate the insurance process with a 97% approval rate.
Damage worsens over time, making it harder to prove storm causation. File within days, not months.
Photos and videos right after the storm are crucial evidence. Don't clean up before documenting.
Adjusters work for insurance companies. Have your contractor present to advocate for you.
Initial estimates often miss damage. Review carefully and request re-inspection if needed.
Unlicensed work may void your claim. Always verify contractor licensing and insurance.
Never sign documents giving contractors rights to your insurance proceeds without legal review.
Follow this proven process used by 312+ Colorado homeowners
As soon as safe after a storm, take photos and videos of your roof from ground level. Document any visible damage including missing shingles, dents, or debris. Note the date and time of the storm. Save weather reports showing hail size or wind speeds in your area.
Contact a licensed roofing contractor for a free inspection. A professional can identify damage you might miss, including hidden damage to underlayment and decking. Get a detailed written report with photos documenting all damage found.
Read your homeowner's policy to understand your coverage limits, deductible amount, and filing deadline. Colorado law requires claims to be filed within a specific timeframe (typically 1 year). Check if you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) coverage.
Call your insurance company's claims line or file online. Provide the storm date, type of damage (hail, wind), and your contact information. Request a claim number and ask about next steps. Note the name of every person you speak with.
Schedule the adjuster visit when your roofing contractor can also attend. Gather all documentation including photos, inspection report, and any estimates. Have your policy information ready. The adjuster will inspect the roof and document damage.
Carefully review the adjuster's damage assessment and compare it to your contractor's report. If items were missed, request a re-inspection with your contractor present. You have the right to dispute the findings if you believe damage was overlooked.
Once you accept the settlement, you'll typically receive an initial check for the Actual Cash Value minus your deductible. After repairs are completed, submit invoices to receive the depreciation holdback (if you have RCV coverage). Schedule your roof replacement with a licensed contractor.
We handle the entire process—from free inspection to meeting with your adjuster. No upfront cost, and we don't get paid until your claim is approved.
"After a hailstorm, I had no idea what to do. Best Roof And Gutter walked me through every step. They met with my adjuster and caught $4,000 in damage that was initially missed. My claim was approved for a full roof replacement. Can't recommend them enough!"
What to expect from filing to completion
Free inspection and damage documentation
Claim filed and adjuster scheduled
Adjuster visit and claim approval
Roof replacement completed
Get a free inspection and expert guidance through every step of your insurance claim. We've helped 312+ homeowners get their roofs replaced with insurance.