Homeowners Insurance Tips for Repairing Roof Damage in Colorado

Introducing Evertree Mountain States

Summer storms are no big news in Colorado – they’re just a fact of life. The hail storm season, which technically runs from mid-April to mid-September, routinely brings at least 3 to 4 catastrophic damage storms – a storm that causes more than $25 million in insured damage is considered catastrophic – each year. In fact, the Rocky Mountain Insurance Information Association notes that over the last 10 years, the state has seen insurers paying out more than $3 billion in hail storm damage, a great deal of it for repairing or replacing roofs on hail-damaged homes.

To help those depending on homeowners insurance to help you repair a damaged roof, Colorado TV station CBSDenver put together their Roofing Scam Awareness program recognize roof repair scams, which offers some excellent tips for finding and working with roofing contractors and your insurance company. As independent Colorado insurance agents, we’re passing along these important tips to help you get the most from your home insurance.

  • Avoid roofing contractors that offer to pay the deductible on your homeowners insurance.
  • Avoid contractors who suggest over-billing your insurance company to recover inflated costs. That’s insurance fraud and could land you in jail.
  • Notify your insurance company as soon as possible after the storm to get the claim process started.
  • Check with your insurance agent about roofing contractors. Many insurance companies have preferred contractors in different cities and regions.
  • Understand what your insurer will pay. In most cases, the adjuster’s estimate and scope of work will determine how much the insurance company will pay.
  • Get a local contractor who understands Colorado law to double-check the adjuster’s estimate.

Most importantly, check to make sure your homeowner insurance is adequate to cover storm damage to your roof. We work with many different insurance companies so that we can offer you the very best insurance options for your needs. Compare homeowners insurance quotes with our quote comparison tool right here on our website and let us help you make sure your house cover is completely covered.

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Are you ready to save time, aggravation, and money? The team at Evertree Mountain States is here and ready to make the process as painless as possible. We look forward to meeting you!