Shingle Roofing Insurance Claim Help for Colorado Homeowners

When a hailstorm hits your Colorado home, your shingle roof is the first line of defense—and often the first thing damaged. If you're dealing with roof damage, understanding the insurance claim process can save you time, money, and frustration.

Here’s how to make sure you get the coverage you’re entitled to.

Step 1: Know What Roof Damage Looks Like

Not all damage is obvious from the ground. After a storm, look for signs such as:

• Missing, lifted, or creased shingles

• Granule loss (check your gutters)

• Dents on vents, flashing, or gutters

• Water stains in your attic or ceiling

According to Haag Global, 3-tab shingles are more likely to suffer functional damage from hail, while laminate and architectural shingles may only show cosmetic marks. But cosmetic damage can still reduce lifespan and resale value.

Step 2: Schedule a Professional Roof Inspection

Call a licensed roofing contractor before you call your insurance company. Roof Nuts provides free storm damage inspections. We document:

• The extent and type of damage

• Whether repairs or full replacement is needed

• Photos and detailed reports for your claim

We’re trained in Haag-certified damage assessment, which many insurance adjusters reference.

Step 3: Understand Your Policy Coverage

Key things to check in your homeowner’s policy:

• ACV vs. RCV: Actual Cash Value policies pay out based on depreciation, while Replacement Cost Value pays for a new roof at today’s prices.

• Hail/Wind Deductibles: In Colorado, many policies have higher deductibles specifically for hail damage.

• Code Upgrade Coverage: Roof repairs must meet modern code. Does your policy cover those upgrades?

Step 4: File Your Insurance Claim

Once you have documentation and an estimate, file your claim:

• Contact your insurance company

• Schedule the adjuster visit (we’ll meet them on-site)

• Compare their estimate with ours

If there are gaps or missed damage, we’ll help you dispute the findings and provide supplemental evidence.

Step 5: Choose a Local Roofing Contractor You Trust

Avoid storm chasers. Choose a company that:

• Is based in Colorado

• Is licensed and insured

• Has experience working with insurance companies

Roof Nuts has helped hundreds of Colorado homeowners in cities like Denver, Colorado Springs, Aurora, and Fort Collins navigate roofing claims and full replacements.

FAQs

How do I know if I have hail damage on my shingle roof?
Look for bruised shingles, missing granules, or dents on roof accessories. A professional inspection is best.

Will my insurance cover a full roof replacement?
If the damage is functional (not just cosmetic) and widespread, your policy may cover replacement rather than just repairs.

What if the insurance estimate is too low?
You have the right to a second opinion. We’ll review your claim and work directly with the adjuster to submit a revised estimate.

How long do I have to file a claim?
Most policies allow 6–12 months from the date of loss. Check your specific policy for the deadline.

Need Help with Your Shingle Roofing Claim?

Call Roof Nuts Colorado at 303-276-2403 or request a free inspection at RoofNutsCO.com.

Our team will walk you through the insurance process from start to finish—and make sure your roof is fully covered and properly restored.