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At Platinum Roofing, we service the entirety of the Denver metro area, and most of North Eastern Colorado. View our full service area below!
Insurance Claim Specialists
Colorado’s unpredictable weather brings hailstorms that damage homes and roofs throughout the year. These storms can leave homeowners worried about repairs, costs, and the complicated insurance process. When hail strikes, you need to quickly assess damage and navigate the insurance claim process—which can be confusing without expert help.
Finding a reputable Centennial roofing contractor with proven insurance experience is essential for a smooth, successful claim. That’s where we come in.
At Platinum Roofing, our experts handle your entire claim process from start to finish. We serve as your dedicated advocate every step of the way—from the initial inspection to the final paperwork.
Call (720) 379-7207
$250 Off Complete Roof
How Insurance Covers Your Roof Replacement
Having appropriate insurance coverage is key to ensuring your roof replacement is covered, leaving you responsible for only your deductible. Here’s what you need to know in simple terms:
- Standard policies typically cover damage from fire, storms, theft, and natural disasters including hail and wind
- Your policy details determine exactly what’s covered and what’s not
- Understanding your coverage before you need it helps avoid surprises
If you suspect hail or wind has damaged your roof, contact us right away. Don’t worry about whether the damage is “bad enough” to call—that’s our job to determine. A qualified inspector knows exactly what to look for and can provide honest guidance, even when no significant damage exists.
Our Roofing Services
Colorado Hail Damage Insurance Claim Process: Step by Step
Navigating insurance claims for roof damage can feel overwhelming. We’ve broken it down into five simple steps to help you understand what to expect.
At Platinum Roofing, we’re insurance claim experts with an outstanding reputation built one satisfied customer at a time. Here’s how the process works:
Call (720) 379-7207STEP 1: Get a Complete Roof Inspection
After a storm, many homeowners immediately call their insurance company. While that seems logical, it’s better to start with a professional inspection from a reputable contractor.
Pro tip: We recommend avoiding door-to-door solicitors who appear immediately after storms. Many lack proper training and may give incorrect information about your roof’s condition.
Platinum Roofing’s team members are licensed adjusters with the same credentials as insurance representatives. We inspect not only your roof but also:
- Gutters and downspouts
- Windows and screens
- Skylights
- Siding and trim
- Other exterior components
This thorough approach ensures nothing is missed when documenting storm damage.
STEP 2: File Your Insurance Claim
After we confirm damage, we’ll recommend filing a homeowners insurance claim. You have several options:
- Contact your local insurance agent
- Call your insurer’s national claims hotline
- Complete your claim through your insurance company’s website or app
When speaking with your insurance company, they may ask if your roof has already been inspected. This question helps them assess the claim’s merit. If you have a local agent, they might recommend a specific contractor they trust from past experience.
STEP 3: Schedule a Joint Inspection
Your insurance adjuster will contact you to schedule their inspection. For best results, have both your adjuster and our representative inspect your roof together at the same time.
This joint approach helps ensure:
- All damage is properly documented
- Both parties agree on the scope of repairs needed
- Your claim moves forward quickly with fewer disputes
STEP 4: Schedule Your Roof Replacement
Once your claim is approved, it’s time to schedule the actual work. With Platinum Roofing, you’ll have a single point of contact throughout your project—no confusing handoffs between departments.
Most residential replacements take just 1-2 days from start to finish, and you don’t need to be home during the work. We handle everything.
Before we begin, we provide simple preparation guidelines to help you:
- Make arrangements for pets who might be sensitive to noise
- Ensure children are aware of the work zone
- Move vehicles and outdoor furniture away from the work area
As licensed contractors, we obtain all necessary building permits before scheduling work, ensuring everything meets local code requirements.
STEP 5: Understand the Payment Process
The insurance payment process can be confusing, but we’ll guide you through it. Your initial insurance estimate will often miss items like code-required upgrades or unforeseen issues discovered during repairs. Our trained team handles all these “supplements” and negotiations on your behalf.
Insurance companies typically make at least two payments for storm-related claims:
First payment: This covers the Actual Cash Value (ACV), which accounts for your roof’s age and condition, minus your deductible. You’ll receive this first check fairly quickly after approval.
Second payment: This covers the “depreciation” amount, which is released once you’ve signed a contract or provided proof that the work has been completed.
Additional payments for supplemental items are common as the project progresses. Your insurance company pays you directly, and you pay us once work is complete. Platinum Roofing doesn’t require payment until materials are delivered to your home, giving you peace of mind.
Insurance Coverage for Hail & Wind Damage
While some homeowners view insurance as just another bill to pay, proper coverage protects your most valuable asset when disaster strikes. Think of it as a safety net that’s there when you need it most.
We recommend comparing quotes from several insurance companies to ensure you’re getting the best coverage at a competitive price. A little research now can save you thousands later.
Our Promise to You
Our goal is to make the hail damage claim process as simple and stress-free as possible. We manage the entire insurance replacement on your behalf, from start to finish.
Here’s what we provide:
- A thorough, free inspection
- Representation during all insurance interactions
- Direct settlement of your claim with your insurer
- Expert installation of your new roof
At Platinum Roofing, we have extensive experience in successfully settling hail damage claims when we recommend filing.
The Importance of Quick Action
We strongly urge homeowners to file claims immediately after confirming damage. Most policies have strict deadlines for:
- Filing initial claims
- Completing necessary repairs
- Submitting final documentation
Waiting too long may result in claim denial despite legitimate damage. Don’t let procrastination cost you thousands in potential coverage.
Submit Insurance ClaimColorado Roofing Insurance Claims FAQs
What We Do During Insurance Claims
Platinum Roofing begins with a comprehensive free inspection. Unlike some contractors, our inspectors are licensed adjusters with the same credentials as insurance company representatives. This means we look at your roof the same way your insurance company will.
We document everything with detailed photos and video evidence, sharing all findings directly with you so you can see exactly what we see. No mysteries, no confusion—just clear information about your roof’s condition.
When we find substantial damage that justifies an insurance claim, we’ll guide you through each step of the process in plain language. Choosing Platinum Roofing means selecting professionals who understand insurance claims inside and out.
Our goal is simple: take the confusion out of the insurance process and manage everything on your behalf, letting you get back to normal life.
Insurance Claim Filing Deadlines
Here’s something many homeowners don’t realize until it’s too late: insurance companies impose strict deadlines for filing storm damage claims. Missing these deadlines means your new roof won’t be covered—even if the damage is obvious and severe.
We strongly recommend immediate inspection following any storm. Don’t wait until you notice leaks or interior damage, as this could put you beyond the filing window.
Most insurers have a 1-year claim filing limit from the date of damage, though some companies like State Farm provide a 2-year window. Knowing your specific policy deadline is crucial.
Understanding Your Financial Responsibility
Insurance terms can be confusing, so let’s break down what you actually need to know about costs:
Your deductible: This is the amount you’ll pay out of pocket—your required contribution toward the claim. It’s important to know this figure before filing.
Code coverage: Also called “ordinance or law coverage,” this pays for bringing your roof up to current building codes. This is standard for most homeowner policies but may not be included with rental properties. Without this coverage, you might face unexpected expenses when your roof must meet updated standards.
Code coverage is crucial because it covers mandatory upgrades such as:
- Solid decking (the foundation beneath your shingles)
- Drip edge installation (which prevents water damage to roof edges)
- Ice and water barriers (for areas prone to ice dams)
- In some areas, Class 4 impact-resistant shingles
What You'll Actually Pay
With Platinum Roofing, you pay nothing beyond your insurance deductible. No hidden fees, no surprise charges.
Your insurance company covers the remaining balance, whether your new roof costs $15,000, $30,000, or more. Your out-of-pocket cost remains the same regardless of the total project price.
As an added benefit, we provide an upgrade to Class 4 impact-resistant shingles, which can significantly reduce your homeowners insurance premium. Many of our customers report substantial savings on their annual premiums with these upgraded materials.
Colorado’s Premier Contractor for Maximizing Insurance Claims
Platinum Roofing expertly guides homeowners through storm damage insurance claims with an exceptional track record of success when we recommend filing. Our commitment to customer satisfaction has helped us build strong relationships with homeowners and insurance professionals throughout Colorado.
With Platinum Roofing , you receive more than quality workmanship and excellent service. You get experienced professionals who:
- Work with all major insurance companies
- Understand the claims process thoroughly
- Advocate for your interests at every step
- Handle all paperwork and documentation
- Ensure you receive maximum coverage
We handle the complex aspects of your claim so you don’t have to navigate the system alone. Our expertise helps ensure you receive fair treatment and full coverage for all legitimate damage.
Choose Platinum Roofing for your next roofing project when you want expertise, advocacy, and results you can trust!
Submit Insurance ClaimProudly Serving the Denver Metro & Beyond
All Service Areas