Key numbers
Sixteen U.S. states had severe hail affect more than 20% of roofs in 2025, up from 12 states in 2024 (Insurance Journal (reporting Verisk), 2025).
| More than 2,500 | IBHS measured more than 2,500 hailstones from nearly 30 Great Plains storms (2012-2014), ranging from 3 mm to 106 mm in diameter. Source: American Meteorological Society / IBHS, 2012-2014 |
|---|---|
| 621,945 | May is the peak month for U.S. hail loss claims, with 621,945 claims over 2017-2019, followed by June (586,749). Source: National Insurance Crime Bureau, 2017-2019 |
| $2.4 billion | NOAA's annual hail summaries recorded a then-record $2.4 billion in U.S. hail property damage in 2001. Source: Professional Roofing (NRCA), citing NOAA, 2001 |
Storm roofing is the repair or replacement of a roof damaged by hail, high wind, heavy snow and ice, lightning or falling trees, usually paid at least partly by a homeowners insurance claim. The work itself is ordinary roofing. What makes it different is the timing and the money: storms bring a rush of contractors, many from out of state, and a homeowner has to choose one quickly while an insurance claim is open. Hire a storm roofer who is licensed where you live, has a local office, gives you a written contract, and never offers to cover your deductible.
What storm roofing covers
- Hail: bruised, cracked or punctured shingles, dented vents, gutters and flashing. See how to tell hail damage from normal wear.
- Wind: lifted, creased or missing shingles at the edges and ridge, and debris punctures.
- Snow and ice: ice dams at the eaves and valleys, and damage from careless ice removal. See weather-related roof repairs.
- Lightning: split chimneys, burned decking and damaged vents. See can lightning damage your roof.
- Trees: punctured decking and broken framing, which usually need an emergency cover first.
Storm roofer or storm chaser?
| Check | Local storm roofer | Storm chaser |
|---|---|---|
| Office | A physical office in your market | A hotel room or a truck |
| License | Licensed with your building department | Unlicensed, or using a local company’s license |
| Contract | Written, with scope and cancellation rights | Pressure to sign on the spot |
| Deductible | You pay it, as the law requires | Offers to “take care of” it |
| Claim | Documents the damage; the claim stays yours | Promises to “fight” or “handle” your insurer |
| After the job | Answers warranty calls | Gone when the storm season ends |
The rules to check in Colorado
Colorado’s roofing contractor law (C.R.S. 6-22) protects homeowners in every city:
- Written contract first. Before any work, the roofer must give you a signed contract with the scope, approximate dates and costs, the roofer’s contact information, its liability insurer, and its cancellation and refund policy.
- 72 hours to cancel. You can cancel within 72 hours of signing for a full deposit refund, and within 72 hours of a written claim denial; the roofer must refund within 10 days.
- Your money held in trust until materials are delivered or most of the work is done.
- No deductible deals. A roofer may not pay, waive or rebate your deductible, and may not act as a public adjuster.
Then check the local license. In Colorado Springs and most of El Paso County, the contractor must be licensed with the Pikes Peak Regional Building Department, and only the permit holder can call for the inspection. In Denver, the city’s Roofing Guide refers to D-Roof Shingles and D-Roof Covering/Waterproofing contractor licenses, and membrane roofs must be installed by a D-Roof Covering/Waterproofing licensed contractor. In Pueblo, confirm registration with the Southern Colorado Building Department.
The rules to check in Texas
The Texas Department of Insurance lists the same warning signs. It is illegal for a contractor to offer to waive, rebate or absorb a deductible; a contract of $1,000 or more paid from an insurance settlement must include a notice that you pay the deductible; and a roofer may not act as your public adjuster. Get more than one bid and do not pay in full up front. Our 5 steps after a storm damages your Austin roof puts those rules in order.
If the insurer says no
A denial is not always the end. Ask for the reasons in writing, get your own inspection with dated photos, and ask for a re-inspection. If you still disagree, read your options when an adjuster denies roof damage and how the insurance appraisal process works. Colorado homeowners can also contact the Division of Insurance, and Texas homeowners can call TDI at 800-252-3439.
Where we work
Integrity Roofing and Painting is a storm roofer in three markets, veteran-owned and family-run since 1990, an Owens Corning Platinum Preferred contractor with 650+ Google reviews.
- Colorado Springs: 115 N Union Blvd, (719) 488-2800. See what to check after a Colorado Springs hail storm and Colorado Springs storm damage repair.
- Denver area: 13275 E. Fremont Pl, Centennial, (303) 209-0152. See the Denver hail repair timeline and Denver storm damage repair.
- Austin: 13341 W US Hwy 290, (512) 610-5897. See Austin storm damage repair.
Sources: C.R.S. 6-22-103, 6-22-104 and 6-22-105 (unofficial reproduction); Pikes Peak Regional Building Department, Hail and Disaster Information; City and County of Denver, Roofing Guide and Checklist; City of Pueblo, Building Permits; Texas Department of Insurance, Roofing and insurance: know the law and Hail damage to your home or car?
