Hailstorms are no strangers to Colorado. From spring to early fall, sudden hail can leave your roof bruised, cracked, or even leaking. One of the first questions homeowners ask after a storm is: “Will my insurance cover the damage?”
The answer is usually yes, but it depends on your policy, the extent of the damage, and how quickly you act. Here’s what you need to know if you suspect your roof has been hit by hail.
In Colorado, hail damage is a common claim and is typically covered under a standard homeowners insurance policy. The policy usually helps pay for:
However, the level of coverage can vary depending on your insurance provider and policy type. Some policies only cover the actual cash value of the roof, which factors in depreciation, while others cover the replacement cost.
Most insurance companies require that claims be filed within a certain timeframe after the damage occurs. Waiting too long can result in denied claims or further deterioration that’s no longer covered.
Here’s what to do after a hailstorm:
Hail damage isn’t always easy to spot from the ground. Sometimes the damage can be subtle but still serious, cracked shingles, bruised underlayment, or granule loss that compromises protection.
That’s why it’s crucial to schedule a roof inspection after any major hailstorm, even if everything looks fine from the outside. A small problem now can turn into a leak or structural issue later.
Even if your claim is approved, you’ll likely still be responsible for your policy’s deductible. In some cases, insurance may only cover a portion of the replacement costs if your roof was already aging or if you have limited coverage.
Knowing your policy details in advance can help avoid surprises during the claims process.
Yes, insurance often covers hail-damaged roofs, but timing, documentation, and the right contractor are key. If you think your roof has been hit by hail, don’t wait for the damage to get worse.
Contact Mile High Renovation to schedule your consultation and find out if it’s time for a roof replacement. We’ll give you honest answers and a clear path forward, no pressure, just professional help.
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