Insurance Roof Replacement in Commerce City, CO
This project started somewhere other than the roof. The homeowner originally reached out to us for a siding bid. After taking a look, we told them the siding was in good shape and just needed to be painted. We didn't have a job to sell them, so we said so and moved on.
A few months later, a hailstorm moved through their Commerce City neighborhood. The homeowner called us back, we came out to assess the damage, and what we found was significant. We helped them through the insurance claim process, and once the claim was approved, we replaced the roof.
What We Did
- Inspected the roof and documented hail damage throughout
- Worked with the homeowner through the insurance claim process from inspection to approval
- Removed the existing damaged roofing material
- Completed a full roof replacement with new shingles
- Ensured all affected areas identified during the inspection were addressed
Why Hail Damage Is Easy to Miss
Hail damage on a residential roof often doesn't look serious from the ground, or even up close to an untrained eye. On this roof, the damage was marked with white chalk during the inspection. Each mark indicated a spot where hail had knocked the granules completely off a shingle, leaving the underlying material exposed.
That exposed area might not leak right away, but it's on a clock. Colorado's sun is intense, and UV exposure breaks down unprotected shingles relatively quickly. What starts as a granule loss becomes a degraded shingle, and a degraded shingle eventually becomes a leak.
This is why it's worth having an experienced hail damage roofing contractor walk your roof after a significant storm, even if nothing looks obviously wrong from the ground. The damage is often there, and catching it early is what keeps a manageable insurance claim from becoming a much bigger repair problem later.
It's also worth knowing that most homeowners insurance policies require you to file a claim within a specific window after a loss. Waiting too long can affect your eligibility, so getting an inspection done promptly matters.
According to the National Roofing Contractors Association, roof inspections after storm events are one of the most important steps a homeowner can take to protect their investment and maintain the integrity of their home's structure.
A Finished Roof in Commerce City
This homeowner came to us looking for one thing and ended up needing something else entirely. We're glad they called us back when the storm came through. The roof is replaced, the claim is closed, and the home is protected.
Frequently Asked Questions
How do I know if my roof has hail damage?
The most reliable way is to have a qualified roofing contractor inspect it after a storm. Hail damage often appears as areas where granules have been knocked off the shingle surface, leaving a lighter or bare spot. These areas aren't always visible from the ground and can be subtle even on close inspection if you're not sure what to look for.
What happens if I don't replace a hail-damaged roof?
Granule loss leaves shingles exposed to UV radiation, which accelerates deterioration. Over time, those weakened areas allow water to penetrate the shingle and eventually the roof deck beneath it, leading to leaks, wood rot, and potential interior water damage. The longer it goes unaddressed, the more extensive the repair becomes.
Can you help me with the insurance claim process?
Yes. We work with homeowners through the documentation and claims process regularly. We inspect the damage, help document it thoroughly for the insurer, and coordinate with the adjuster when needed. We don't file the claim on your behalf, but we help make sure you have what you need.
How long does an insurance roof replacement take?
Most residential roof replacements are completed in one to two days, depending on the size of the roof and the scope of work involved. The longer part of the timeline is typically the insurance process itself, from inspection to claim approval to scheduling.