Frequently asked questions.

Hail damage signs include dented or cracked shingles, granule loss (dark spots on shingles), dented metal vents or flashings, cracked skylights, and dented gutters. Most hail damage is not visible from the ground — a professional inspection is the best way to know. Total Restoration & Roofing offers free inspections.

Most Colorado homeowner's insurance policies cover hail damage under dwelling coverage. Your policy will pay the Replacement Cost Value (RCV) minus your deductible. Some policies have a separate wind/hail deductible — check your declarations page or call your agent.

Most Colorado insurance policies require you to file within one year of the storm date. However, we strongly recommend filing as soon as possible — the longer you wait, the harder it is to prove the damage was from a specific storm event.

Our inspector examines your entire exterior: roof (shingles, flashings, vents, ridgecap), gutters, downspouts, siding, and windows. We document all damage with photos and measurements. The inspection takes about 30–45 minutes and you'll receive a detailed report.

Most residential roof replacements are completed in 1–2 days. Larger or more complex roofs (steep pitch, multiple levels, tile) may take 2–3 days. We always aim to have your roof watertight before leaving each day.

Colorado law prohibits insurance companies from raising your rates solely because you filed a weather-related claim. Hail is considered an "Act of God" — it's not your fault. Filing a legitimate claim should not affect your rates.

UL 2218 Class 4 impact-resistant shingles are the top choice for Colorado's hail exposure — they pass a 2-inch steel-ball impact test without cracking the back mat (real-hail survivability varies with stone shape, wind, and roof age). Many Colorado carriers offer an impact-resistant roof discount on the wind/hail portion of your premium — amounts vary by carrier and policy. We also install architectural shingles, metal roofing, and tile.

Yes. The Pikes Peak Regional Building Department requires a roofing permit for all replacements and most major repairs. Total Restoration & Roofing handles all permitting as part of your project — you don't need to visit the building department.

If damage is limited to a small area (a few shingles, one leak point), repair is usually sufficient. If damage is widespread (multiple areas of missing granules, multiple leaks, age over 15 years), replacement is the better investment. We'll always give you an honest recommendation.

RCV (Replacement Cost Value) is the full cost to replace damaged property with new materials. ACV (Actual Cash Value) is the depreciated value. Your insurance typically pays ACV first, then the remaining depreciation (called "recoverable depreciation") after you complete the work.

A typical residential roof replacement in Colorado Springs ranges from $8,000 to $25,000 depending on size, material, and complexity. If your carrier confirms a hail claim under your policy, your out-of-pocket generally comes down to your deductible plus any non-covered upgrades. Use our Roof Calculator for a quick estimate.

Yes. Roof replacement is noisy but you can stay in your home during the work. We recommend keeping children and pets inside during active work. There may be vibration from removing old shingles, and temporary debris on the ground around the house.

Total Restoration & Roofing provides a lifetime workmanship warranty (owner's lifetime, non-transferable unless registered under the manufacturer's enhanced program). Additionally, as a certified installer for major manufacturers, we offer manufacturer material warranties (25–50 years depending on product) — read the full terms and exclusions here.

If the initial adjuster estimate misses damage we documented, we provide additional photos and measurements to your adjuster; any supplement request goes from the adjuster to your carrier for review. Whether the supplement is approved — and at what amount — is entirely your insurer's call.

As soon as possible. We recommend getting a professional inspection within 30 days of a hail storm. This gives us the best chance of documenting fresh damage and keeping your claim within the insurance company's reporting window. Use our Storm Check Tool to see if your address was in a storm path.