A Homeowner's
Guide to
Insurance Claims
Storm damage, hail, and wind claims made easier. We guide homeowners from inspection to final payment.
Schedule a Professional Inspection
- We inspect your roof, gutters, siding, windows and more.
- We document all storm, hail and wind damage.
- Honest assessment — if there's no damage, we'll tell you.
File Your Insurance Claim
- We help you determine if filing a claim makes sense.
- We provide the documentation and information you need.
- We prepare for your adjuster inspection.
Insurance Adjuster Inspection
- We meet your adjuster on-site.
- We make sure nothing is missed.
- We advocate for full coverage including code requirements.
We Complete Repairs & Manage Inspections
- Professional roof replacement or repairs.
- Synthetic underlayment & ice & water barrier in all valleys.
- Valley metal installation code compliant.
- We handle all city / county inspections.
We Work Directly With Your Insurance
- We submit supplements if needed.
- We handle code upgrades & hidden damage.
- We ensure your claim reflects the true cost to restore your home.
- Most claims require supplements — we manage this fully.
Final Invoice & Warranty Registration
- Final paperwork submitted to insurance.
- You receive final payment if applicable.
- We register your warranty.
Understanding the Roof Insurance Claim Process
Filing a roof insurance claim after hail, wind, or storm damage can feel overwhelming. In Colorado Springs and throughout the Front Range, severe weather can damage roofing systems, gutters, siding, windows, flashing, vents, and other exterior components.
The process starts with a professional inspection to determine whether storm damage is present. If a claim is appropriate, your insurance company will send an adjuster to evaluate the damage. Having an experienced roofing contractor involved helps make sure the full scope of damage, code requirements, and necessary repairs are properly documented.
Colorado Pro Roofing helps homeowners through each step of the insurance claim process, including inspection, adjuster meetings, roof replacement or repair, supplements, final invoicing, and warranty registration. Our goal is to restore your home correctly while making the process as clear and stress-free as possible.
Understanding Your Payments
First Check (ACV)
Your insurance company issues the first payment based on the Actual Cash Value after depreciation.
Second Check (RCV)
Once the work is complete and final invoice is submitted, your insurance issues the remaining depreciation.
Deductible
Your deductible is the out-of-pocket amount required by your policy and is due when the claim is approved.
Important Terms (Simplified)
ACV
The value of your roof today, minus depreciation.
RCV
The full cost to replace your roof with like kind and quality materials.
Deductible
The amount you agree to pay out of pocket before insurance pays.
Supplements
Additional funds approved for code upgrades, hidden damage, or scope changes.
Frequently Asked Questions
Should I file a claim right away?
Yes. Delays can reduce your payout eligibility and may lead to denial due to neglect.
How long does the process take?
Typical timeline: inspection 1–3 days, approval 1–3 weeks, installation 1–2 days, final payment 2–4 weeks.
Will insurance cover everything?
Most policies cover storm, hail and wind damage. They typically do not cover wear and tear or maintenance issues.
Do I have to pay upfront?
No. We work within your insurance scope. Your only out-of-pocket expense is your deductible if applicable.
Think You Have Roof Damage?
Get a professional storm damage inspection and find out whether your roof, gutters, siding, or exterior components may qualify for an insurance claim.
Schedule Free InspectionWe're Here to Help
From Inspection to Final Payment.You have a local advocate on your side.
Colorado Springs, CO 80919