After a hailstorm
Eight steps, in order, and who does each
Hail does its damage in minutes and shows it slowly: a leak months later, a dented vent, shingle granules in the gutter. Here is the whole path, from the first call to a signed contract, with what is yours to decide.
Before anyone arrives
From the ground, photograph what you see. Please do not climb up.
Check ceilings and the attic for stains.
Read your policy for the claim deadline and the deductible.
Keep every letter, estimate and photo in one folder.
Inspection to contract
The eight steps, one at a time
You decide at every step where you decide. Where it is your insurer's turn, we say so.
- 01You
Step 1: You ask for an inspection
Call, text or send the form. Tell us when the storm was and whether water is coming in. We do not ask which insurer you have.
Say if anything is leaking now
Photos by text help, but are not required
- 02Us
Step 2: We inspect the roof
We walk the yard, go on the roof or fly a drone, and check the attic. We photograph what is there, hits and clean spots alike.
Roof surface, vents and flashing
Gutters, windows and siding
- 03Us
Step 3: You get a written report
Photos, what we saw, whether it is a repair or a replacement, and an itemized estimate. It is yours to keep and to share.
Repair and replacement priced apart
Impact-rated option shown beside the standard one
- 04You
Step 4: You decide about a claim
Filing is your choice. If you file, you deal with your insurer. Your deductible stays with you.
We are not public adjusters
We never file or negotiate for you
- 05Your insurer
Step 5: The adjuster visits
Your insurer sends an adjuster. If you ask us to, we meet them at the house and show them our photos.
You choose whether we are there
We point out what we photographed
- 06Your insurer
Step 6: The insurer decides, in writing
You get the decision on paper. After a written denial, Colorado law gives you 72 hours to cancel a contract signed for that claim.
Keep every letter you receive
Ask us about any line you do not follow
- 07Us
Step 7: We write the contract
Colorado law requires it in writing over $1,000. Ours names the work, the materials and the price, and carries the state's notices.
The 72-hour cancel notice
A bold trust-funds statement
- 08You
Step 8: You sign, then we schedule
Read it first and ask about any line. You sign nothing at the inspection. After you sign, we set a start date.
A copy for you before you sign
The start date goes in writing
What we do, and what we never do
This is how we work when an insurance claim may pay for the roof.
| What we never do | What we do | |
|---|---|---|
| Your claim | What we never doFile it, negotiate it or promise what an insurer will pay | What we doInspect, photograph and write an itemized estimate that you can share |
| Your deductible | What we never doPay it, waive it or hide it in a discount | What we doTell you in writing that it stays with you |
| The adjuster | What we never doSpeak to your insurer for you | What we doMeet yours at the house and show our photos, if you ask |
| First repairs | What we never doStart a full replacement before the adjuster has seen the roof | What we doA tarp or temporary patch, with photos |
| The contract | What we never doPress you to sign at the door | What we doCarry the notices Colorado requires, and give you a copy to read first |
C.R.S. 6-22
What Colorado puts in a roofing contract
The state's notices, in plain words. The contract carries the state's own wording in English.
Colorado law: in writing over $1,000
Under Colorado law, a roofing job over $1,000 needs a written contract. Ours names the work, the materials and the price before anything starts.
72 hours to cancel
If your insurer denies the claim in writing, you have 72 hours to cancel a contract you signed for that claim. The contract says so.
A trust-funds statement
The contract carries a bold line about the money you pay us, as the law requires. Ask us to point to it.
Your deductible is yours
We do not pay, waive or absorb it, and we will not offer to. It is the amount your policy leaves to you.
Plain-language notes, not legal advice. Read your contract: the state's wording is what counts.
About storms and insurance
How soon should the roof be looked at after hail?
Hail damage is easy to miss from the ground. Policies differ on when a claim must be filed, so read yours or ask your insurer. We can inspect as soon as we can reach the house.
Can you cover my deductible, or give a discount in its place?
No. We do not pay, waive or absorb a deductible, and we will not offer to. It stays with you, and our written estimate shows the full price of the work.
What if the adjuster and your estimate disagree?
That conversation is between you and your insurer. We can walk the roof with the adjuster and show our photos if you ask, and we explain every line of our estimate.
Do I sign anything at the inspection?
No. The inspection gets you a written report. A contract comes later, in writing, and you can read it at home before you sign.
What is the 72-hour notice?
If your insurer denies the claim in writing, Colorado law gives you 72 hours to cancel a contract you signed for that claim. Our contract carries the state's notice. Read it, and ask us about any line.
Want the roof looked at?
Request an inspection. We do not ask which insurer you have, and nothing here starts a claim.