Roofing Contractor in Colorado
Most roofing calls in Colorado start one of two ways. Either hail did something to your roof and you’re trying to figure out how bad it actually is, or years have gone by and it’s simply time. Either way, we start the same, with a free inspection and a straight answer.
Colorado sits in what’s known as Hail Alley, and the Front Range sees more severe hail than almost anywhere else in the country. Denver alone averages around nine hail days a year, against a national average closer to two or three. Hail season runs from mid-April through September, with the worst of it landing in May and June, and reports of baseball-sized hail have been climbing for years. A storm can leave real damage on a roof without any of it showing up from the ground. Granule loss, a bruised shingle, a cracked pipe jack, none of that announces itself. That’s why every hail call starts with an actual inspection, not a guess. If a storm is involved, we handle the insurance side directly: meeting the adjuster, building the estimate, and pushing back if the number that comes back doesn’t match what we found on the roof.
Altitude plays a role too. At 5,280 feet, UV exposure degrades roofing materials faster than it does at sea level, so a roof here can age past its warranty years sooner than the paperwork suggests. Add in daily temperature swings that can run 30 to 40 degrees or more, especially in spring and fall, and you get real thermal stress on seals, flashing, and shingle adhesion, distinct from the sustained winter cold that drives roofing problems farther north.
If it’s not storm-related, we still start with the same honest look. We use the same 50% rule insurers use to separate a repair from a full replacement, and we’ll tell you which side of that line you’re actually on, even when a bigger job would be the easier sale for us.
Colorado's Hail Insurance Market Is Different
Colorado has produced billions of dollars in hail-related insured losses over the past decade, and the state has led the nation in hail damage claims before. Most Colorado homeowner’s policies allow well over a year to file a claim, but the practical window for the best outcome is much shorter, typically 30 to 90 days after a storm, while the damage can still be clearly tied to a specific date.
One detail a lot of homeowners don’t know until they’re filing a claim: Colorado law allows insurers to charge a separate deductible for wind and hail losses, often a percentage of the home’s insured value rather than a flat dollar amount. That can mean a bigger out-of-pocket number than the standard deductible on the policy. We walk homeowners through what their specific policy actually says before the claim moves forward.
After a major hail event, insurance companies often bring in adjusters from out of state who aren’t familiar with local code variations, including wind speed zoning that affects which replacement materials qualify. Having someone on-site during that inspection who understands both the damage and how it gets valued can make a real difference in the settlement.
CertainTeed ShingleMaster certified. Colorado doesn’t issue a single statewide contractor license, so licensing here is handled city by city. That One Construction Co. holds the license required in every community we work in, and we confirm what applies to your address before we ever pull a permit. Privately owned, no outside investors, no private equity fund deciding which jobs are worth doing right.
