Colorado ranks among the top states for roofing insurance claims due to frequent hailstorms. Understanding the claims process, your rights as a policyholder, and common pitfalls can help ensure you receive fair compensation for storm damage.
The Claims Process
After documenting roof damage, contact your insurance company to file a claim. An adjuster will be assigned to inspect the damage and prepare an estimate. You have the right to be present during the inspection and to hire a public adjuster or contractor to provide an independent assessment.
Colorado-Specific Laws
Colorado has consumer protection laws that affect roofing insurance claims. Contractors cannot pay or waive your deductible, and doing so is illegal. You are entitled to a replacement of like kind and quality, and insurers must process claims within specific timeframes established by state law.
Common Claim Challenges
Disputes over the scope of damage, depreciation calculations, and material matching are common. If you disagree with your adjuster's assessment, you can request a re-inspection, invoke the appraisal clause in your policy, or file a complaint with the Colorado Division of Insurance.
Supplemental Claims
Often, the full extent of roof damage is not apparent until work begins. Your contractor can file supplemental claims for additional damage discovered during the repair process. This is a normal and accepted part of the claims process.