Storm & Hail Damage Repair in Denver, CO

Free roof inspection

We get on the roof and check the shingles, flashing, vents, gutters and other soft metals for hail hits, then tell you straight whether there is enough damage to file a claim. If there isn't, we say so.

Photo documentation

We photograph the damage on each slope and on the soft metals, with the measurements an adjuster looks for, so you and your insurer are looking at the same evidence. You file the claim with your insurance company. It is your claim, and Colorado law (C.R.S. § 10-4-120) lets you choose any repair business.

A written contract that follows Colorado law

Before any work, Colorado's roofing statute (C.R.S. § 6-22-103) requires a signed contract listing the scope, approximate cost and dates, our contact and insurance information, and your cancellation rights. You can cancel within 72 hours of signing, and within 72 hours of receiving a written denial of your claim in whole or in part (C.R.S. § 6-22-104). We can't pay, waive or rebate your deductible (C.R.S. § 6-22-105).

Meet the adjuster on the roof

With a signed contract in place, Colorado law lets your roofer discuss the scope of repairs with your insurance company on your behalf (C.R.S. § 6-22-105(3)). We walk the roof with your adjuster and point out each damaged area. We don't act as your public adjuster; the same statute prohibits it.

Supplements for missed items

If the insurer's estimate leaves out damage or materials the job needs, such as drip edge, starter strip, ridge cap or damaged gutters, we document them and submit a supplement request. Your insurer decides whether to approve it, and code-upgrade items depend on your policy's ordinance-or-law coverage.

Permit, build and closeout

We pull the City and County of Denver roofing permit, install the roof to the manufacturer's specifications, and send your insurer the final invoice and completion photos. Your insurer pays the approved scope minus your deductible. On a replacement-cost policy, withheld depreciation is usually released after the work is finished, so check your policy.

Call a local roofing contractor for a free roof inspection before you decide whether to file a claim. Gates Enterprises inspects and repairs hail-damaged roofs across Denver from its office at 1445 Holland St, Lakewood, CO 80215; call (720) 766-3377. Whoever you call, look for a permanent Colorado address, manufacturer certifications, and a written contract that follows Colorado's roofing statute (C.R.S. § 6-22-103).

From the ground, look for dents in gutters, downspouts and roof vents, dings in your AC unit's fins, and shingle granules washing out of the downspouts. Most hail damage to shingles, like bruised or cracked mats and missing granules, can't be seen from the ground, so the reliable answer is an inspection on the roof. Don't climb up yourself after a storm; a wet or damaged roof is a fall hazard.

It depends on your policy. Most homeowners policies require you to report damage promptly, and some set a specific deadline for wind and hail claims, so read your policy or ask your agent. Colorado law (C.R.S. § 10-4-110.8(12)) protects a homeowner's time to file a lawsuit over a claim, but it does not replace your policy's notice requirements. Get the roof inspected soon after the storm so the damage is documented while it is clearly tied to that date.

Yes. The City and County of Denver requires a roofing permit to replace a roof, and for repairs on a house that cover more than 10% of the roof or two roofing squares, whichever is smaller. The permit comes with required city inspections, and Denver issues roofing permits to licensed contractors or to an owner-occupant doing the work themselves. Gates pulls the Denver permit and schedules the inspections as part of the job.

Often, in a hail-prone city like Denver. Class 4 is the highest rating under the UL 2218 impact test, and some Colorado insurers offer a premium discount for a Class 4 roof. The discount varies by insurer, so ask yours before you choose. If your roof is being replaced on a claim, upgrading to Class 4 usually means you pay the price difference.

You can, but it is a gamble. Hail-bruised shingles keep shedding granules and can start leaking months later, and your insurer may decline damage it attributes to a later storm or to wear. If you want to wait on the work, at least get the roof inspected and the damage documented now.