Northern Colorado hail resource
A practical response plan for Berthoud, Loveland, Fort Collins, Greeley, and Boulder homeowners.
Request a Free Hail InspectionAfter the storm
You do not need to diagnose a roof from the driveway or sign a contingency agreement at the front door. Start with safety, documentation, and reliable information.
Stay off the roof. If water is entering, move belongings, catch active drips, document the condition, and call for qualified emergency protection.
Photograph hail size, gutters, vents, siding, screens, vehicles, outdoor equipment, and interior water marks without climbing onto the roof.
Ask for photographs of every slope plus soft metals, penetrations, flashing, gutters, downspouts, siding, windows, and collateral damage.
Confirm deductible, roof settlement method, endorsements, cosmetic exclusions, reporting duties, and deadlines with your insurer or licensed agent.
Separate the insurer's coverage decision from the contractor's construction scope, then resolve documented differences before work begins.
Ground-level clues
Storm-season red flags
Roofing scope versus insurance coverage
A roofer evaluates damage and construction requirements. Your insurer evaluates coverage under your policy. A trustworthy contractor can document conditions and explain roofing scope without promising a coverage result.
When estimates differ, request a written, line-by-line comparison. Documentation makes legitimate differences easier for everyone to evaluate.
Read the Colorado insurance guide →Hail damage FAQ
Signs may include disturbed granules, fractures, bruising, exposed mat, or damage to vents and flashing. Appearance varies by roof material, age, storm conditions, and impact angle, so diagnosis should come from a qualified inspection.
Yes. A roof can sustain functional damage before water becomes visible indoors. That is why documentation and a safe inspection matter after a significant storm.
There is no universal order. Review your policy duties and consider documenting conditions with a reputable local roofer. Coverage questions and claim-reporting decisions should be confirmed with your insurer or licensed agent.
Local hail help
My Family Roofer provides documented inspections and clear next steps for Northern Colorado homeowners.
