Q: Should I call my insurance company or a local roofer first after a hail storm?

A: Always get a professional Roof & Siding Review (RSR) from a trusted contractor before opening an insurance claim.

Here’s why:

• Avoid unnecessary claim records: If a inspector finds only cosmetic wear or minimal damage below your deductible amount, you avoid placing an unnecessary claim inquiry on your insurance record.

• Documented evidence: Having a comprehensive RSR photo report ready when you file gives your insurance adjuster clear, documented proof of the storm damage right from day one.

Q: How long do I have to file a hail damage claim in Colorado?

A: Typically 12 months from the date of the storm, though exact deadlines depend on your insurance policy.

• Policy Deadlines: Most standard Colorado homeowners policies require claims to be reported within 1 year of the date of loss.

• Why fast action matters: The longer you wait, the harder it becomes to prove that leaks or missing shingles were caused by a specific hail event rather than normal wear and tear.

Q: Can a contractor pay or cover my insurance deductible in Colorado?

A: No. It is illegal for any contractor to pay, waive, or rebate your insurance deductible in Colorado.

Under Colorado law (C.R.S. § 6-22-105), covering a homeowner's deductible is classified as insurance fraud. Any roofing or siding company offering to "eat" or absorb your deductible is breaking the law and risking your claim.

Red Flag Alert: Be extremely cautious of out-of-state "storm chasers" who promise a "free roof with no deductible."

Q: Will my homeowners insurance rate go up if I file a hail claim?

A: Insurance companies generally cannot raise your individual rates solely for filing a hail claim.

• "Act of God" Protection: Hail and wind damage are considered unavoidable weather events (Acts of Nature).

• Regional Adjustments: Insurance premiums along the Front Range usually rise across an entire zip code or county after major storms—meaning your rates may adjust regardless of whether you personally file a claim. If your neighborhood is affected, you should file to get the repairs you're already paying for through your premiums.

Q: How do I know if I have hail damage if my roof isn't leaking?

A: Severe roof and siding damage rarely causes immediate interior leaks.

Hail damage is often invisible from the ground, but over time, unseen issues will compromise your home:

• Shingle Bruising & Granule Loss: Hail impacts knock away protective asphalt granules, exposing the underlying fiberglass to harsh Colorado UV rays, which leads to premature cracking and leaks months down the road.

• Collateral Indicators: Dented downspouts, cracked siding panels, chipped window trim, and battered outdoor AC units are clear signs your roof took a hit.

Q: What is the difference between ACV and RCV on an insurance estimate?

A: It comes down to how your insurance payout is calculated:

• Actual Cash Value (ACV): The value of your damaged roof/siding minus depreciation for its age. This is the initial check your insurance company writes.

• Replacement Cost Value (RCV): The total cost to replace your roof/siding today. Once your contractor completes the job according to local building codes, the insurance company releases the remaining "recoverable depreciation" check to cover the full balance.

Our Complete Exterior Services

Whether you need a routine check, minor repairs, or a full system replacement following a Front Range hail storm, we provide end-to-end exterior protection for your home.

🏠 Roofing Services

• Roof Replacements & Upgrades: Class 4 Impact-Resistant Asphalt Shingles, Standing Seam Metal, and more.

• Roof Repairs: Fixing wind-damaged shingles, leak patches, flashing repairs, and pipe boot replacements.

• Pre-Sale & Preventive Maintenance: Roof tune-ups, seal refreshes, and pre-listing condition assessments.

🪵 Siding & Trim Services

• Complete Siding Replacement: Fiber Cement (James Hardie), Engineered Wood (LP SmartSide), Insulated Vinyl, and Board & Batten styles.

• Siding Repair & Restoration: Fixing warped panels, hail impact cracks, dry rot, and thermal movement damage.

• Soffit, Fascia & Trim: Custom metal wrapping and trim sealing for high-altitude weather barrier protection.

🌧️ Gutters & Exterior Defense

• Seamless Gutter Systems: Custom-cut 5" and 6" aluminum gutters designed to handle heavy Colorado snowmelt and downpours.

• Gutter Guard Installation: Keeping pine needles, debris, and hail buildup out of your drainage system.

How It Works: Our 5-Step Process

Navigating home repairs—especially when insurance is involved—can feel overwhelming. Here is exactly what to expect when you work with us, from start to finish.

Step 1: The Free Roof & Siding Review (RSR)

We perform a thorough, ground-to-roof inspection of your entire home exterior. Our technicians check shingles, flashing, siding panels, trim, window seals, and gutters for wear or hidden hail damage.

Step 2: Honest Photo Report & Assessment

You get a simple, easy-to-understand digital report with clear photos of everything we found. We tell you candidly whether your exterior needs a simple patch, no action at all, or a full restoration.

Step 3: Transparent Pricing or Insurance Claim Support

• If it's an out-of-pocket project: You receive a clear, line-item estimate with no hidden fees or surprise upcharges.

• If storm damage is present: We guide you through opening an insurance claim, meet your adjuster on-site to ensure all damage is properly documented, and make sure local Colorado Springs building codes are met.

Step 4: Expert Installation

Our licensed, local crews perform the work according to strict Pikes Peak Regional Building Department (PPRBD) standards. We protect your property, landscape, and driveway during construction and maintain a clean job site.

Step 5: Final Quality Walk-Through & Warranty

We conduct a final inspection with you to ensure 100% satisfaction, clean up every stray nail with magnetic sweepers, and register your material and labor warranties.