Denver, Colorado. Updated
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Plain English on hail, roofs and insurance in the Denver metro.
Consumer protection. Sept. 29, 2026
After every Front Range storm, the door knocking starts. The most common pitch is also the most dangerous: "We'll take care of your deductible."
In Colorado, a roofer can't pay, waive or rebate any part of your insurance deductible, or even promise to. Here's what else the law requires before you sign.
Know your numbers before the next storm, not after.
Many Colorado policies use a percentage wind and hail deductible, often 1 to 5% of dwelling coverage.
Hail drawn to scale. Around 1 inch and up is where asphalt shingle damage starts.
From Colorado's roofing contract law (SB 38, C.R.S. 6-22). Print it. Stick it on the fridge.
It must list the scope of work and materials, the cost, approximate dates, and the roofer's contact and insurance information.
You can cancel within 72 hours of signing and get your deposit back.
If your insurer denies the claim in whole or in part, you can cancel within 72 hours of that written notice.
A roofer can't pay, waive or rebate your deductible, or promise to.
Payments are held in trust until materials are delivered or most of the work is done.
A roofer can't act as or claim to be a public adjuster. Under a valid contract, they can discuss repair scope with your insurer.
This is general information, not legal advice. Read your contract and your policy, and talk to an attorney for your specific situation.
Four quick questions. A vetted, insured local roofer will look at your roof and tell you straight whether you have damage worth a claim.
We'll pull up the satellite view so you can confirm it's your home.
A guess is fine.
Pick all that apply.
For any 2026 storm.
A local roofer will call or text to set a time that works for you.
A local roofer will reach out shortly to schedule your free inspection. Expect a call or text from a Denver area number.
Before they arrive: find your policy's declarations page so you know your wind and hail deductible.