Dealing with roof damage is stressful enough. Dealing with insurance companies on top of that? Even worse. At Done Right Roofing and Exteriors, we know how overwhelming the claims process can be—especially after a major storm hits your neighborhood.
That’s why we provide full support for roofing insurance claims across Colorado. From the first inspection to the final shingle, we help homeowners document damage, communicate with adjusters, and make sure the work gets done properly—without unnecessary delays or confusion.
Here’s what you need to know about navigating roofing insurance claims, and how we make the process smoother from start to finish.
When Should You File an Insurance Claim for Roof Damage?
If your roof has been affected by hail, wind, falling debris, or a major storm event, you may be entitled to insurance coverage for repairs or full replacement. Common signs that justify a claim include:
- Missing, torn, or dented shingles
- Leaks in your attic or ceilings
- Granule loss or shingle deterioration
- Dented flashing, gutters, or roof vents
- Tree limbs or branches impacting the roof
It’s important to act quickly—most policies require you to report damage within a certain time frame after the event, usually within 12 to 24 months depending on the policy and carrier.
What’s the Process for a Roof Insurance Claim in Colorado?
We guide homeowners through the following steps:
- Free Roof Inspection
We start by inspecting your roof and documenting the damage with detailed photos and notes. We know exactly what insurance companies look for, and we’ll give you a clear, honest assessment.
- Filing the Claim
You contact your insurance provider and open a claim. If needed, we can help you communicate the technical aspects and describe the nature of the damage.
- Meeting the Adjuster
Your insurance company will send out an adjuster to inspect the roof. We’ll meet them on-site to ensure they see all the relevant damage and understand the full scope of work required.
- Claim Approval and Estimate Review
Once your claim is approved, your insurance provider will issue a loss summary (the estimate of what they’re willing to pay). We’ll review it to make sure everything necessary is covered and priced appropriately.
- Roof Repair or Replacement
We get to work using the proper materials and following local building codes. We keep you updated throughout the process and ensure all work is completed to your satisfaction.
Final Paperwork and Warranties
Once your project is complete, we provide all required documentation, warranty information, and final invoices for your insurance records.
Understanding Insurance Terms
Many Colorado homeowners are surprised to learn that roof claims are often split into two payments:
- ACV (Actual Cash Value): What your roof is worth today, after depreciation
- RCV (Replacement Cost Value): The total amount to replace your roof, including depreciation—usually released after proof of completed work
We help you understand what you’re entitled to, and make sure you’re not leaving money on the table.
Why Choose Done Right Roofing and Exteriors
We’ve worked with all major insurance companies across Colorado and understand their processes inside and out. We don’t manipulate claims or promise to “waive your deductible”—that’s illegal in Colorado and can get both homeowners and contractors into trouble.
Instead, we give you honest, knowledgeable support so you feel confident throughout the process. We make sure the work we do meets or exceeds the standards set by your policy, and we never compromise on quality or safety just to match an underwritten estimate.
With us, you don’t just get a contractor—you get a partner who knows how to get the job done right, legally, and professionally.