Homeowner guide
Hail and roof insurance claims in Colorado
General info only. Check with a licensed pro and your local building department.
If in doubt, stop and call a licensed professional.
What the Colorado Division of Insurance says to do after hail damage.
| Topic | What the source says | Source |
|---|---|---|
| Start fast | Contact your insurance company or agent as soon as you can to start the claim. | Official page checked 2026-10-30 |
| Document and protect | When safe, take photos. Tarp roofs and cover broken windows to stop more damage. | Official page checked 2026-10-30 |
| Deductible | Many homeowners policies have wind/hail deductibles that are a percentage of coverage (the DOI gives 1%, 2% or 5% as examples). If damage is below your deductible, the insurer will not pay. | Official page checked 2026-10-30 |
| Ask questions | Ask the adjuster for an itemized explanation of the offer. If denied, get a written letter with the policy language. | Official page checked 2026-10-30 |
| Don't rush | You can negotiate a settlement. Get several contractor quotes. | Official page checked 2026-10-30 |
| Public adjusters | They are licensed by the DOI and often charge a percentage of the claim. You don't have to hire one. | Official page checked 2026-10-30 |
| More damage found | Tell your insurer before repair work continues; they review and may issue a supplement. | Official page checked 2026-10-30 |
| Matching siding | No law requires the insurer to match siding or paint on undamaged sides. | Official page checked 2026-10-30 |
| Non-renewal | No law addresses non-renewal after hail, but multiple losses may lead an insurer to non-renew. | Official page checked 2026-10-30 |
| Help | DOI Consumer Services: 303-894-7490. | Official page checked 2026-10-30 |
Not confirmed yet
- Unknown Claim filing deadlines (depend on your policy; not stated on these pages).
Checked 2026-10-30. General information, not legal or tax advice. Rules change — confirm with the source. Report an error.