Frequently Asked Questions

Honest answers to common questions about roofing, storm damage, insurance claims, roof costs, and exterior work in Colorado.

Hail & Storm Damage

Is hail damage always visible from the ground?

No. Hail impact often shows as subtle bruising on the shingle surface or fractured granules that are nearly impossible to spot from the ground. A professional on-roof inspection is the only way to accurately document storm damage.

How long after a storm can roof damage show up?

Some damage is immediate, but other problems develop over months as weakened areas deteriorate from UV and temperature exposure. Leaks can appear 6+ months after the initial storm event.

Insurance & Claims Process

Will filing a roof claim increase my insurance premiums?

Insurance companies typically don't raise premiums specifically because you filed a single storm damage claim. Premium changes are more often driven by area-wide claim frequency and risk calculations.

How long do I have to file a roof claim after a storm in Colorado?

Most policies give you one year from the date of loss, but filing sooner makes documentation stronger. Getting an inspection within weeks of a known storm is recommended.

Roof Costs & Financing

How much does it cost to replace a roof in Denver?

Roof replacement in Denver typically ranges from $8,000 to $25,000+ depending on size, complexity, pitch, and materials. A standard 2,000 sq ft home with architectural shingles usually falls between $10,000 and $16,000.

Can I pay monthly for a new roof?

Yes, financing options are available that allow monthly payments. We can connect you with financing options during the estimate process.

Will homeowners insurance help pay for a new roof?

Insurance covers roof replacement when damage is caused by covered events like hail, wind, or fallen trees - not age-related wear. In the Denver metro, hail damage is one of the most common reasons for insurance-covered replacement.

What is the 25% rule in roofing?

If 25% or more of your roof area needs repair, building codes typically require a full replacement rather than patching. This can actually help with insurance claims since it supports full replacement coverage.

Roofing, Repairs & Replacements

How do I know if I need a full roof replacement versus repairs?

It depends on damage extent and remaining service life. Localized damage on newer roofs often warrants repair, while widespread damage or roofs over 20 years old usually benefit from replacement.

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