Short answer: almost certainly yes — if the damage came from hail or wind, a standard Colorado homeowner's policy covers it. The details below decide how much you actually collect.
What your policy covers
Colorado homeowner policies treat hail and wind as covered perils. That means roof replacement or repair caused by a storm is an insurance claim, not an out-of-pocket project. You pay your deductible; the carrier pays the rest of the covered scope.
RCV vs. ACV — the difference worth thousands
Replacement Cost Value (RCV) policies pay what it costs to replace your roof today. Actual Cash Value (ACV) policies subtract depreciation for age — a 12-year-old roof on an ACV policy can leave you paying $8,000–$15,000 out of pocket. Check your declarations page before you file, and if you're on ACV, ask your agent what switching costs.
The one-year window
Most Colorado policies give you about 12 months from the storm date to file. Not sure if your home was in a storm path? Our free storm check runs your address against 5,972 mapped Colorado storms in seconds.
Five things to check before you file
- Confirm real damage first. A claim with no damage burns a claim slot on your record. Get a free inspection before calling the carrier.
- Know your deductible — flat dollar vs. percentage makes a big difference on Colorado's newer policies.
- Know your policy type (RCV vs. ACV, above).
- Ask about the Class 4 discount. Under C.R.S. § 10-4-110.8, Colorado insurers must factor impact-resistant roofing into rates — most give 20–30% off the roof portion of your premium for a Class 4 roof.
- Sometimes the smart move is not to file. If the repair costs $1,200 and your deductible is $1,000, paying the $200 gap keeps a claim off your record.
What a good contractor does for your claim
We inspect and photo-document every component, meet your adjuster on the roof, and file supplements when the first estimate misses items — our supplement work averages 30–50% above the carrier's initial number. You pay your deductible; Colorado law (SB12-038) prohibits any contractor from waiving it.