Guide
Hail and wind claims in Colorado
Hail claims have their own rules of thumb. The Division of Insurance publishes advice after storms; its page is linked below.
Calling early helps.
A separate deductible
Many Colorado homeowners policies carry a wind and hail deductible apart from the regular one. It can be a percentage of the home's insured value or a set amount. Find it on your declarations page before a storm.
If the repair estimate falls under the deductible, the insurer will not issue a payment.
Who assesses the damage
The insurer's adjuster assesses the damage. A contractor can give an estimate, but the policy decides what is paid. If you hire a public adjuster, verify the license with the state.
After a storm, be careful with solicitations
Be cautious with roofers and other contractors who knock on doors or phone after a storm. Check references and get everything in writing.
Water inside is still water damage
If hail opened the roof and water came in, the ceilings and walls below need drying. The storm and hail page covers that part.
Water is spreading. Call now.
The call goes to an independent restoration contractor who serves Douglas County. Calling early matters because wet drywall and subfloor start to break down quickly.