Here's a quick step-by-step guide on how roof insurance claims work:

Research and Document Roof Damage:

It's important to be proactive when it comes to severe weather in Colorado. If you suspect that your roof has been damaged, document the storm date, and the current condition of your roof. I don’t recommend climbing on your roof, but if their are fallen trees, or shingles blown off the roof, take pictures and video. Also, check your insurance policy to see what it covers and what your deductible and coverage limits are.

Call a Roofing Contractor for a Damage Assessment:

After a significant weather event, call a professional roofing contractor for a damage assessment. A quality roofing contractor should be able to provide you with a complete and accurate estimate of any damages, and advise you on the best solution for your roofing repair situation.

Call Your Insurance & File a Roofing Claim:

After the roofing contractor evaluates your roof, report the incident to your insurance agent. They will then send a claims adjuster to assess the damage. The insurance adjuster will give you an estimate of the cost of repairs or replacement.

Hire a Roofer to Repair or Replace Your Roof:

Once the insurance adjuster approves your claim, you can hire a roofer to repair or replace your roof.

At Roof Ready LLC, we are committed to providing our customers with the best service and quality workmanship. If you need help with a residential roof insurance claim, don't hesitate to contact us. 

Here are answers to some of the most frequently asked questions about roofing insurance claims in Colorado. 

Why is there depreciation on my insurance claim? Depreciation is the amount that is withheld by the insurance company for each item and not for the total claim amount. It is based on the remaining lifespan of the damaged item. For example, if an item is worth $100 new and has 10% of its lifespan left, the insurance company will pay you $10 (10% of the new price) and hold back $90 (90% of the new price). Depending on the policy, the depreciation may be recoverable after the work is completed and documentation is submitted.

Why is it important to have my roof inspected after a major storm or other event? A roof is a critical component of a building and can be damaged by hail, high winds, and storms. Damage may not be immediately visible, but if left unrepaired or un-replaced, it will worsen over time and cost more to fix. Additionally, most insurance policies only give you 12 months to file a claim after damage, so it's essential to catch any damage early. Hail, in particular, can cause small imperfections that get worse over time. Storm damage may not cause leaks immediately, but as the roof is exposed to the elements over time, leaks can start to occur.

What is the difference between RCV vs. ACV? Insurance coverage for roofs can be evaluated in two ways: replacement cost value (RCV) and actual cash value (ACV). RCV is a more traditional type of coverage where the insurer will pay enough to cover the full cost of a roof replacement, minus your deductible.  ACV takes into account the age of the roof and is more common in Colorado a state with high wind and hail. With ACV, you will receive the cost of the roof replacement minus the deductible and depreciation.