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By the Numbers

Colorado Hail Damage: The Data Every Lafayette Homeowner Needs

38

billion-dollar CO hailstorms 1980–2024

NOAA

$1.9B

May 2024 Front Range hailstorm damage

NOAA

3×

more likely to file claim with roof 20+ yrs old

Insurance Industry Data

2nd

highest state for hail damage costs nationwide

Verisk Data

“I’ve been inspecting hail damage in the Lafayette area since 2014. The most common mistake I see is homeowners waiting too long to file. Insurance companies have strict windows and damage that’s invisible today becomes a denied claim in six months. Call us within 30 days of any storm.”

Josh Brooks

Licensed General Contractor CON-24-0152 | Storm Damage Specialist Since 2014

🌩ī¸ Hail Alert — Lafayette, Boulder County — 2026

Hail Damage Lafayette CO
Free Inspection — Same Day Response

If hail hit Lafayette or anywhere in Boulder County, call Josh Brooks Construction and Renovation Inc. immediately. Free inspection, full documentation, adjuster meeting included.

We respond within 2 hours • Emergency tarping available • License CON-24-0152

🔍

Free Inspection

Full roof, gutters, siding, AC & windows. Written report provided.

🤝

Adjuster Meeting

We attend your insurance adjuster meeting and fight for your full claim value.

🏠

Full Replacement

Roof, siding, gutters, and windows. All trades. One contractor.

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Emergency Tarping

Active leak? We tarp same-day to prevent interior water damage.

FAQ

Did it hail in Lafayette CO?

Check real-time hail reports at stormersite.com or interactivehailmaps.com. Call 720-828-7997 for a free same-day inspection throughout Boulder County.

Is hail damage covered by insurance in Lafayette CO?

Yes — standard homeowner’s insurance covers hail damage to roof, siding, gutters, and windows. Josh Brooks Construction and Renovation Inc. attends your adjuster meeting at no charge. Call 720-828-7997.

Hail Hit Lafayette? Call Now.

Free inspection. Same-day response. Full insurance claim handled start to finish.

📞 720-828-7997💬 Text 720-453-5095Online Form

CON-24-0152 • $1M/$2M Insured • 30 Years Experience • Longmont CO 80501

Roofing Services Across Colorado

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COLORADO HAIL FACTS

The Numbers Behind Colorado’s Hail Problem

#2
Colorado ranks 2nd in the nation for hail damage costs — averaging $1,987 per 100 residents annually. (Verisk / NOAA)
151
Reports of hail over 2 inches in diameter in Colorado in 2023 alone — 2nd highest in the country. (NWS)
$1.9B
Damage from the May 30, 2024 Denver metro hailstorm — the 2nd costliest in Colorado history. (NOAA)
2 yrs
Colorado law (HB19-1264) gives you 2 years to file a hail claim — but documentation quality drops fast. Act early.

“Since 2014, I’ve inspected hundreds of roofs after hailstorms across Northern Colorado and the Denver metro. The most common mistake I see is homeowners waiting — sometimes months — before getting an inspection. Hail damage is cumulative. Every rain after the storm pushes water deeper. The sooner you call, the stronger your claim and the more your insurance pays.”

— Josh Brooks, Licensed General Contractor — License CON-24-0152 — Longmont, CO

Hail hit your Lafayette home? Read our guide to hail damage siding repair to decide between repairing and replacing your siding, and learn what to expect from the hail roof claim adjuster visit.

Insurance-claim roofing — how we handle itUnder Colorado's Residential Roofing Bill of Rights, you may cancel for a full deposit refund within 72 hours of signing — and, if your insurer denies the claim, within 72 hours of that denial. Once that window closes, your deposit is committed to your project and is non-refundable except as required by law for work not yet performed. We never collect your insurance deductible upfront — it's due at completion — and by law we cannot waive or rebate it.

Colorado hail & insurance: by the numbers (2026)

  • Colorado ranks #2 in the U.S. for hail insurance claims, behind only Texas.
  • The Front Range sits in “Hail Alley,” the highest frequency of large hail in North America — about 7–9 hail days a year.
  • A Colorado state analysis (Feb 2026) found hail is 26–54% of the homeowners premium depending on county — roughly 50% along the Front Range.
  • The average Colorado premium hit about $6,630 in 2026, up ~100.8% since 2020 — the largest increase of any state.
  • Colorado typically sees 3–4 catastrophic hailstorms a year (each ≥ $25M in insured damage); severe season runs mid-April to mid-September.

Sources: Rocky Mountain Insurance Information Association (RMIIA); Colorado Division of Insurance (Feb 2026); National Weather Service; NAIC / Insurify (2026).

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