Key numbers
Colorado had 380,066 hail loss claims from 2017 to 2019, second only to Texas (637,977), per the National Insurance Crime Bureau (National Insurance Crime Bureau, 2017-2019).
| $521 million | State Farm paid $521 million in Colorado hail claims in 2024, the fourth-highest of any state. Source: KDVR (FOX31 Denver), via Yahoo News, citing State Farm, 2024 |
|---|---|
| 769 | NOAA's Storm Events Database logged 769 hail reports in Colorado in 2023, including 154 of 2 inches or larger. Source: NOAA National Centers for Environmental Information (NCEI), 2023 |
| $129 million | State Farm paid $129 million in Colorado hail claims in 2022, eighth among states. Source: State Farm (newsroom), 2022 |
Colorado homeowners have specific legal rights on a storm damage claim. You can get a copy of your full policy within three business days, your insurer may not unreasonably delay or deny a covered benefit, you get 60 days’ written notice with reasons before a nonrenewal, and you can cancel a roofing contract if the claim is denied. No roofer may pay or waive your deductible. Each right below names the statute so you can point to it.
Rights with your insurance company
- A copy of your policy, fast. Your homeowners insurer must give you a paper or electronic copy of the policy, declarations page and endorsements within three business days of a request, and a certified copy within 30 days (C.R.S. 10-4-110.8(10)). Ask for it as soon as you suspect damage.
- No unreasonable delay or denial. An insurer may not delay or deny payment of a covered benefit without a reasonable basis (C.R.S. 10-3-1115). If it does, you may sue for two times the covered benefit plus reasonable attorney fees and court costs (C.R.S. 10-3-1116).
- Explanations in writing. The Colorado Division of Insurance tells homeowners to ask the adjuster for an itemized explanation of any settlement offer and the specific policy language behind a dispute, and to get any denial in writing with the reasons. Our guide to what to do when an adjuster denies roof damage and the appraisal process cover the next steps.
- Questions are not claims. An insurer may not cancel or nonrenew solely because you asked about coverage, if the question is not tied to an actual claim (C.R.S. 10-4-110.8(1)).
- 60 days’ notice with reasons. Before cancelling or nonrenewing a homeowners policy, the insurer must mail notice at least 60 days ahead that states the specific reasons, and disclose the claim information it relied on (C.R.S. 10-4-110.7).
- Total-loss protections. After a total loss, and especially after a declared wildfire, you get extra time to rebuild and collect depreciation. See our disaster recovery guide.
Rights with your roofing contractor
Colorado’s roofing contractor law (C.R.S. 6-22, from Senate Bill 12-038) covers residential roofing jobs over $1,000.
- A written contract first. It must list the scope and materials, approximate dates and costs, the contractor’s physical address, email and phone, and its liability insurer (C.R.S. 6-22-103).
- 72 hours to change your mind. The contract must let you cancel within 72 hours of signing for a full refund of any deposit.
- Your money held in trust. The contract must state, in bold, that the contractor holds your payments in trust until materials are delivered or most of the work is done.
- A way out if the claim is denied. If the insurer denies the claim in whole or in part, you may cancel within 72 hours of the written denial, and the contractor must return your payments within 10 days, less the value of any work actually done (C.R.S. 6-22-104).
- No deductible games. No contractor may pay, waive or rebate your deductible (C.R.S. 6-22-105). Details on Colorado’s deductible law.
- No roofer-adjusters. A roofer may not claim to be or act as a public adjuster.
Each required contract term, both cancellation windows and the refund rules are laid out in Colorado roofing contract law, explained.
In Colorado Springs and the rest of El Paso County, the Pikes Peak Regional Building Department adds one more check: a reroof needs a permit, and only a homeowner doing the work personally may buy a homeowner permit. Ask your roofer for the permit number. You also choose the contractor, not your insurer; see whether to hire your insurance company’s roofer. Before you sign, read what a roofer should do before your claim.
Where to get help
- Colorado Division of Insurance: 303-894-7490, DORA_Insurance@state.co.us, or “File a Complaint” at doi.colorado.gov.
- Colorado Attorney General, consumer protection: 1-800-222-4444.
- To judge your insurer before the next storm, see which insurers handle roof claims best. For the order of events after hail, follow our hail claim timeline.
How we work alongside your claim
We inspect the roof and document the damage with photos, give you a contract that meets C.R.S. 6-22, can be on the roof when your adjuster inspects, and make sure nothing gets missed in the scope. The claim stays yours. Integrity Roofing and Painting is veteran-owned and family-run since 1990, an Owens Corning Platinum Preferred contractor with 650+ Google reviews. Book a free inspection in Colorado Springs at (719) 488-2800 or Denver at (303) 209-0152, or read how Colorado Springs storm damage repair works.
Sources: C.R.S. 10-4-110.8, 10-4-110.7, 10-3-1115, 10-3-1116, 6-22-102, 6-22-103, 6-22-104, 6-22-105 (unofficial reproduction); Colorado Division of Insurance, hail consumer advisory (May 22, 2024); PPRBD, Hail & Disaster Information; Stop Fraud Colorado.
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