Filing a hail damage claim correctly is the difference between a full replacement and a denied or underpaid claim. This step-by-step guide is written specifically for Colorado homeowners based on how Front Range insurance adjusters actually operate.
Step-by-Step Hail Claim Process
Josh Brooks Construction provides free hail damage inspections throughout Northern Colorado. We document every impact point with photos, measure hail hits per 10 sq ft (the insurance standard), and identify all damaged components: roof, gutters, siding, windows, AC condenser. This documentation becomes your evidence.
After we’ve completed the inspection, call your insurance company to report the storm damage. Have the storm date, your policy number, and our inspection report ready. Common Colorado insurers: State Farm (800-732-5246), Allstate (800-255-7828), Farmers (800-435-7764), USAA (800-531-8722), Liberty Mutual (800-225-2467).
When your insurance company schedules an adjuster visit, call us immediately. Josh Brooks Construction attends every adjuster meeting at no charge. We point out damage the adjuster may miss, ensure all damaged components are documented, and challenge low estimates on the spot. Homeowners who have a contractor at the adjuster meeting receive 30-50% higher settlements on average.
Your insurance company sends an EOB detailing what they’ll pay. Check: Is it ACV (Actual Cash Value) or RCV (Replacement Cost Value)? RCV is better — it pays full replacement with no depreciation. Is every damaged component listed? Is the scope of work complete? Call us if anything looks wrong — we negotiate supplemental claims regularly.
Once insurance approves your claim, sign with your chosen contractor. Josh Brooks Construction works directly with all major Colorado insurance companies. We handle the supplement process, order materials, pull permits, and schedule installation — you don’t have to manage anything.
Why Claims Get Denied or Underpaid
- Homeowner called insurance before documenting damage — adjuster arrives, photos are gone, settlement is low
- No contractor at adjuster meeting — adjuster misses items, homeowner doesn’t know what to look for
- Waiting too long — storm damage worsens over winter, insurance uses wear-and-tear exclusions
- Choosing the contractor after signing insurance forms — leaves you locked into insurance’s preferred pricing
- Not knowing about supplement claims — when additional damage is found during installation, you can supplement the claim
Colorado-Specific Insurance Facts
According to the National Association of Home Builders, roofing and siding replacements driven by insurance claims represent the majority of contractor work in Colorado’s hail-prone Front Range. Key Colorado facts:
- Colorado homeowners have 1 year from the storm date to file in most cases
- Class 4 shingles qualify for 15-25% insurance premium discounts from most Colorado carriers
- You are entitled to replacement cost — not just the depreciated value — if your policy includes RCV coverage
- Insurance companies cannot drop you or raise your rates for weather-related claims in Colorado
- You can choose your own contractor — you are not required to use the insurance company’s preferred contractor
Free Hail Inspection & Claim Help
We attend your adjuster meeting, negotiate your claim, and handle all paperwork. You just approve the work.