What Should I Be Thinking About if My Roof is Damaged by a Colorado Hail Storm?

If you have sustained roof damage from recent Colorado storms, please know that we are here to help. Here are some tips when going through the process:

  • When getting bids on your roof, make sure the bids include the scope of the work to be completed. You might consider upgrading your shingle to an impact resistant material, which may qualify you for additional discounts on your homeowner’s policy.
  • Make sure your roofer has pulled the proper permits, and do not tender final payment for your roof until your roof has received final approval from a local inspector. Make certain the proposed roof and materials meet local building ordinance codes before the work is performed.
  • Research your potential contractors. Things to consider before hiring a roofing company are their Better Business Bureau rating, the length of time they have been in business, and the size and quality of the company. 
  • Ask the contractor for a “certificate of insurance” before they begin work that shows the roofer carries general liability and workers compensation insurance. Also, make sure the general liability policy covers “products and completed operations”-coverage for defects in workmanship. If the roofer doesn’t properly install your roof and then goes out of business, you might be able to file a claim on the roofer’s insurance policy.
  • Once your claim is approved, you will receive an initial check for “actual cash value” (less your deductible), which represents the depreciated value of your roof (based, in part, on the age of your roof). Most home policies contain “replacement cost coverage”. Once the new roof is installed and you submit the final invoices to your claims adjuster (with labor and materials), your adjuster will send you a check for the difference, and this represents the replacement cost coverage in your home insurance policy.
  • Most carriers require you to report property damage within six months, from the loss date. Please make sure you have the work performed and your roof replaced within one year from the date the claim was filed in order to receive the replacement cost payment. 
  • Lastly, once your roof is installed, please call or forward your new shingle information to us so we can update your insurance policy and apply any eligible discounts.  

As always, we are here to help you, so please call us with any questions or concerns. 720-420-7900