4510 S Federal Blvd Englewood, Colorado 80110

3525 N Cascade Ave #204 Colorado Springs, CO 80907

(303) 761-6400(24/7)

(719) 434-3020(24/7)

Filing an Insurance Claim for Your Roof

How To File A Roof Insurance Claim

Hail season in this region seems to get more brutal and unrelenting each year. As the stones get bigger and wind blows stronger, there’s one we know for sure: Mother Nature is indifferent to our concerns and possessions.

If she unleashes her wrath upon your property and you weather a storm that gave your roof a beating, what do you do?

First, have your roof inspected by a trusted company. 

Pro Tip: It’s never a good idea to let a roofer who knocks on your door following a storm inspect your roof. They’re opportunistic, and often, fraudulent—they always “find” damage.

If damage is detected (by a trusted and reputable roofer) it’s time to file a roof insurance claim. 

The trusted roofer you called will come out to your home and inspect the roof.  If it’s hail damage, he or she will start circling the hail bruises with chalk.   After the inspection, the experienced roofer will advise you to file a claim or not.

Roof Inspection Tips:

  • Do some research on local roofers
  • Call and make an appointment for a roof inspection
  • Be at home to meet the roofing contractor
  • Explain what happened during the hail storm, show the roofer your videos and/or photos if you took any
  • Go outside and observe the roofers conducting the inspection
  • Listen and watch for any signs of hammering or scraping, which could be a fraudulent attempt to mimic hail damage
  • Request that the roofer outline the hail damaged areas in chalk and take photos (if there are 10 bruises in any 100 square foot section, the roof is totaled)
  • Remember this is only an inspection—just gather information, and do not sign anything 

Filing an Insurance Claim For Roof Hail Damage

If the inspection confirms roof damage then, and only then, should you call your insurance company. If you call your insurance company first and the inspection reveals no damage or not enough damage, you still get a claim on your insurance record.

Roof Insurance Claim Tips

  • Locate your homeowner’s insurance policy
  • Make a note of your insurance policy number and deductible
  • Organize your facts and records: policy number, date/time of loss, hail size (if known), photos, videos, damaged items
  • Call your homeowner’s insurance claim number and provide the requested information
  • You will be given a claim number by your insurer

After your insurance company has been notified of the sustained roof damage, The claim examiner will assign a claims adjuster to make an official roof inspection and prepare a repair estimate.

This estimate will have a few key areas: your deductible, replacement cash value, depreciation and actual cash value.

If the insurance claim isn’t handled properly, the claim could be denied, costing you thousands of dollars for a new roof. The insurance company is only obligated to pay for a new roof when significant damage is present. 

Don’t Pay A Cent Until You’re Content 

Excel Roofing knows this process and has a proven track record of working with insurance companies to get your claim settled and roof replaced. We make the process simple and stress-free and will always be on your side to honor all warranties.

Receive a half-price solar-powered attic fan for $500, with the purchase of a full roof. Normally $999.


Why Homeowners and Businesses Choose Us

Colo Radans
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Excel Roofing is the only roofing company I would trust and recommend to others. Kevin M. is extremely helpful and professional at all time with his experience and knowledge.
Ralitsa Carter
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I highly recommend consulting with a true roof insurance expert like Excel Roofing, as there are a lot of details one can easily miss if not in the field on a regular basis.
Mary Kimball
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Omar came out and repaired some of our inside ceiling where the nails lifted the drywall. He is an amazing worker, a master at his job. Ask for Omar as he is a real asset to Excel Roofing!
Cindy L
Local Guide
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This company has gone way beyond my expectations. Thank you Jay and especially thank you JR for doing such a great job, being dependable, on time and affordable.
Rick Sturdivant
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Troy Lindsay and his team did a great job installing a new roof. They even worked with me when I wanted a solar-powered attic fan installed and helped me size and choose one.
brian niles
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These guys are top notch! You will not find better service anywhere!! Thank you Excel!!
Dustin Sieve
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I would absolutely recommend Excel roofing for any roofing, gutters or painting. I plan on using them again for any future claims.
Eric Zietlow
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Eric the project manager answered all calls and e mails promptly, addressed any concerns, and followed up on small issues. Good looking roof, no headaches or stress on my end.
Nicki Shields
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The building inspector said this was one of the best roof jobs she has seen, she was very impressed. I highly recommend Excel Roofing for roofs, siding, and windows. I could not be more pleased! Look no further.
Sonny Romero
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Matt Foster was our Project Manager. Matt was very friendly, knowledgeable, and professional. He was involved from the estimate through the final inspection. Excel Roofing did an outstanding job.
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Troy and his crew were outstanding. He explained the details every step of the way. They gave us a job date and completed on time.
Kevin Donahue
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Unlike the other companies who bid my roofing job, Excel (Brock) was not pushy and the deal did not have to be signed before he left the house. I am extremely pleased.
Ana Kauffman
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Love Chris, had my best interest in mind during the entire roof replacement process. He was able to rush the job for us given that we were nearing the closing date of the sale of the house.
Andy Dimmen
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Throughout the process I had one point of contact at Excel (Brock). Brock managed the entire process so that I didn’t have to do a thing. I will recommend Excel to everyone I know
Taylor Hood
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I would have given 5 stars. Giving 4 because of how hard Matt worked to get project finished and they were priced very reasonable compared to other roofing companies.
Beth Rogers
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Troy and his crew went above and beyond for us. Working to help us navigate insurance claim. Great job, on time, on budget, house looks great. Couldn't be happier! Highly recommend Mr Troy and his crew!
Bob Andersen
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wonderful company to work with.. from the initial call for someone to come look.. the project manager Bob was at the house within an hour.
Mindy Densmore
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They showed up on time, determined the problem, showed us a video of what to do to prevent it in the future and and took care of it immediately. I highly recommend Excel.
j snoy
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I definitely recommend and will use again. Chris the project manager was very quick to respond and quite reliable. Overall, a great roofing experience.

Denver Metro

4510 S Federal Blvd
Englewood, Colorado 80110

Phone: (303) 761-6400

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Colorado Springs

3525 N Cascade Ave #204 Colorado Springs, CO 80907

Phone: (719) 434-3020

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Sheridan, Wyoming

1574 N Main Street
Sheridan, Wyoming 82801

Phone: (307) 763-4050

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Casper, Wyoming

373 Lakeview Drive
Casper, Wyoming 82604

Phone: (307) 237-770

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