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)

Navigating the Insurance Claims Process for Hail-Damaged Roofs

Severe weather events can wreak havoc on homes, causing extensive damage that requires immediate attention and repair. One such weather event is hail, which can cause significant harm to roofs, leading homeowners to file insurance claims (with State Farm, for example) for necessary repairs. Understanding the insurance claims process can help homeowners navigate the intricacies and ensure a smooth restoration of their property. In this blog, we’ll walk you through the steps involved in the insurance claims process for a hail-damaged roof.

Navigating the Insurance Claims Process for Hail-Damaged Roofs

1. Weather Event Occurs

The first step is to assess potential damage after the storm has passed. Call Excel Roofing In Denver, Colorado Springs, or Wyoming to schedule an inspection with a Project Manager.

2. Inspection

The Project Manager inspects the roof. There are three possible outcomes of the inspection.

  • No Damage: In some cases, the roof might have weathered the hailstorm without any significant damage. That may be because the hail was not big enough to cause any damage, or the homeowner has an impact-resistant roof.
  • Hail Damage: The roof may exhibit signs of damage caused by the hail, such as dents, cracks, granule loss, or broken shingles.
  • Unclaimable Damage: The roof may not have enough hail damage to file a claim, the damage is wear and tear, or the damage is old hail damage.

3. Filing the Insurance Claim

If hail damage is confirmed by the Project Manager, the homeowners can proceed to contact their insurance company and initiate the claims process. They’ll need to provide information about the extent of the damage and the inspection report, which may include photos.

4. Adjuster Appointment

After filing the claim, the insurance company assigns an adjuster to assess the damage. The Project Manager who originally inspected the roof will meet the adjuster at the property to discuss the findings.

5. Adjuster Writes the Estimate

The adjuster evaluates the damage and writes an estimate. This estimate is often created using industry-standard software, with about 80 percent of insurance companies using Xactimate and the other 20 percent using Symbility.

6. Choosing a Contractor

Following the estimation, the homeowner needs to send the insurance paperwork to their Project Manager, along with the adjuster’s estimate.

7. Project Manager Review

The Project Manager will review the insurance paperwork and adjuster’s estimate. There are two potential outcomes:

  • Adequate Insurance Bid: The insurance estimate is sufficient to cover the replacement cost, and work can commence accordingly.
  • Supplement Required: In some cases, the contractor might find that the insurance estimate is insufficient to cover the full roof and will need to submit a supplement to the insurance company.

8. Submission of Supplement

If a supplement is needed, the Project Manager submits the additional documentation, including updated estimates through Xactimate, relevant county codes, pictures, and other supporting materials.

Roofing Contractor Inspecting a Roof for an Insurance Claim

9. Supplement Approval

The insurance company reviews the supplement request and either approves or denies it based on the provided documentation.

10. Roof Replacement

Once the estimates are approved, the Project Manager proceeds with the roof replacement as outlined in the estimate.

11. Invoice Submission

Upon completing the roof replacement, Excel will send an invoice to the insurance company detailing the work done and the associated costs.

12. Depreciation Release

After reviewing the invoice and ensuring the roof replacement meets the policy terms, the insurance company releases the depreciation amount.

13. Receiving Payment

With the depreciation released, the homeowner receives the final payment from the insurance company, and Excel collects the checks from the homeowner.

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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