If you’ve lived in the Denver Metro area for more than a summer, you know the drill: clear skies one minute, golf-ball-sized hail the next. Colorado’s Front Range sits squarely in “Hail Alley,” and every year homeowners in Westminster, Arvada, Broomfield, Commerce City, Erie, and beyond are left wondering the same thing after a bad storm — is my roof okay, and what do I do now?
Here’s your game plan.
Step 1: Document the Damage Immediately
Before you call anyone, walk your property (safely) and take photos and video of:
- Dented or dinged gutters, downspouts, and vents
- Damaged window screens or siding
- Any visible bruising, granule loss, or cracked shingles on the roof
- Dents on outdoor AC units, patio furniture, or vehicles — these help establish storm severity
Insurance adjusters look for corroborating evidence around the property, not just the roof itself. The more documentation you have day-of, the stronger your claim.
Step 2: Get a Professional Roof Inspection — Before You File
Hail damage isn’t always visible from the ground. A professional inspection identifies the difference between cosmetic damage and damage that compromises your roof’s integrity — and that distinction matters when it’s time to talk to your insurer.
This is also the point where having a contractor who understands the insurance restoration process pays off. We inspect, photograph, and document damage in the format adjusters expect, so your claim starts strong instead of getting kicked back for “insufficient evidence.”
Step 3: File Your Claim (and Know What to Expect)
Once you’ve confirmed damage, contact your insurance company to open a claim. A few things to keep in mind:
- Most Colorado policies have a specific window for filing after a hail event — don’t wait months to report it.
- An adjuster will schedule a visit to assess the damage themselves.
- Having your contractor present during the adjuster’s inspection (or available to compare notes) often leads to a more accurate scope of work and fewer disputes.
Step 4: Choose a Contractor Who Works With the Insurance Process
This is where a lot of homeowners get burned — either by storm-chasing companies that vanish after the check clears, or by contractors who don’t know how to work within insurance scope and pricing, leaving homeowners to cover the gap out of pocket.
At Elite Property Innovations, we manage the full restoration process from documentation through final walkthrough, working directly with your insurance company to make sure the scope of work reflects the actual damage — not a shortcut version of it. We’re local, established in the Denver Metro area, and here long after the storm season ends.
Don’t Wait Until the Next Storm
Colorado’s hail season typically runs from April through September, with peak activity in late spring and early summer. If your roof took a hit this season — or you’re not sure — a free inspection is the fastest way to find out where you stand.
Think your roof might have hail damage? Contact Elite Property Innovations for a free inspection. We’ll walk your property, document what we find, and help you navigate the insurance process from start to finish. Call (720) 655-2164.
