Insider’s Guide to Navigating Hail Damage Roof Insurance Claims

Filing an Insurance Claim for Hail Damage on Your Roof? Keep These Tips in Mind

For homeowners in Colorado, hail damage on your roof is one of the most common reasons to file an insurance claim. Before you start the insurance claims process, though, it’s important to ensure you’re fully informed when it comes to your policy, the damage to your roof, and the claims process.

At Elite Roofing & Solar, we’re one of the most trusted experts in Colorado for hail and storm damage repairs. We’ve seen time and again that many homeowners simply file a claim immediately without taking the time to ensure they’re going through the process properly to maximize the chances that they’ll receive a payment from their provider.

In today’s post, we’re sharing a handful of key tips to keep in mind when filing a roof insurance claim for hail damage.

Schedule a Roof Inspection Before Filing a Claim

One of the most important things to do when dealing with hail damage is to schedule a roof inspection from a reputable roofer immediately—even before you file an insurance claim. Completing a roof inspection beforehand will keep you informed as the homeowner, ensuring you know exactly the extent of the damage to your roof. 

In some cases, large hail may not deal enough damage to warrant a claim, as every storm, roof, and insurance policy is different. Scheduling an inspection beforehand will save you the headaches of going through the claims process unnecessarily.

Do Your Homework

Speaking of insurance policies, do you know the details of your homeowner’s insurance? This includes knowing the type of coverage you have—such as actual cash value vs. replacement cost—as well as which types of damage are covered. 

Here in Colorado, coverage for hail damage is fairly common for homeowner’s insurance. However, if you don’t know with 100% confidence what your policy covers, it’s essential to get in touch with your insurance provider and ask for the details you need.

Of course, if you suspect hail damage to your roof, you’ll also want to brush up on the process your provider requires for submitting an insurance claim.

Be Ready to Advocate for Yourself

As you go through the insurance claims process, it’s important to remember that you’ll need to build your own case. The best way to do this is by keeping your roof well maintained before storms arrive. Establishing a regular protocol for inspections and proactive repairs will help build your case when you’re faced with storm damage.

In some cases, insurance may approve only a partial repair—or deny your claim entirely. In these cases, you may need to follow up with your provider and advocate for yourself.

Partner with an Experienced Roofer

While navigating the insurance claims process can be stressful, you won’t have to do it completely alone. For example, it’s a good idea to have a professional roofer present during your adjustment with your insurance company’s representative. An experienced roofer like the experts at Elite Roofing will have a much better eye for damage, and if they’ve already inspected your roof, they’ll be able to point out any instance of damage to your adjuster and ensure nothing is missed. While your roofer cannot advocate on your behalf, they can certainly lend their expertise to help build a strong case for your claim.

Talk to Elite Before Filing an Insurance Claim for Roof Hail Damage!

At Elite Roofing, we specialize in hail damage inspections and repairs. We’ve seen hail damage of all kinds, from minor dings and dents to roofs completely destroyed by hail. With years of experience in Colorado roofing, our trained roofers will be able to complete a full, 12-point inspection of your roof to determine whether you should file an insurance claim—and to help build your case.

Were you in the path of recent hail storms along the Front Range? Contact us today for a hail damage inspection!


*Note: Elite Roofing & Solar is not a public adjuster and does not act as one when working on our clients’ behalf. 

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