What Homeowners in Colorado Need to Know About Roof Coverage

When Mark in Highlands Ranch heard the pounding of hail on his roof last spring, he wasn’t too worried.
After all, he had homeowners insurance. He figured that if any damage turned up later, he could just deal with it then.

But when he finally had a roofer come inspect the roof — about 14 months after the storm — he discovered something frustrating:

“Your policy requires hail claims to be filed within 365 days of the event. Unfortunately, that deadline has passed.”

Even though there was visible hail damage and water was starting to seep in, the insurance company denied the claim outright. Mark was left footing the full bill for a roof he thought would be covered.

The Fine Print in Roof Policies Can Cost You

What happened to Mark isn’t rare in Colorado. Many homeowners assume their policy will come through when they need it — but insurance companies often enforce strict timelines, and they’re not always proactive about reminding you.

Here are some of the most common issues we see with insurance coverage for Colorado roofs:

1. The 365-Day Rule

Most major insurers in Colorado require homeowners to file a claim within one year of the storm date.
If you miss that window — even by a week — the claim can be denied, no matter how obvious the damage is.

2. Cosmetic Damage Exclusions

Even if your shingles are visibly bruised or dented, some policies claim it’s “cosmetic” and not covered.
The problem? That cosmetic damage can compromise your roof system over time, leading to costly leaks or structural problems.

3. ACV vs. RCV Policies

More and more Colorado homeowners are unknowingly insured under Actual Cash Value (ACV) policies, which subtract depreciation from your payout. That can mean thousands of dollars out-of-pocket — especially for older roofs.
Replacement Cost Value (RCV) policies are more generous, but harder to come by in hail-prone areas unless you know to ask.

Why Colorado Roofs Need Extra Attention

Between intense UV rays, fast temperature swings, snow loads, and regular hailstorms, Colorado roofs age faster than most.
Even a single hail event can cause damage that isn’t immediately obvious — but insurance companies expect you to file within a year anyway.

That’s why routine inspections after every major storm are critical. Without documentation from a trusted roofing contractor, you may miss your opportunity to file a valid claim.

How Beacon Roofing Protects Your Investment

At Beacon Roofing, we specialize in guiding Colorado homeowners through the complex insurance process — and helping you act before it’s too late.

What sets us apart?

✅ We Track Storm Dates in Your Area
We use hail tracking tools and storm reports to help confirm eligibility for claims — even if you’re unsure when damage occurred.

✅ We Offer Free, Thorough Inspections
Our team is trained to identify subtle hail damage, worn seals, and flashing issues that insurance adjusters may overlook.

✅ We Help File Timely Claims
From documentation to adjuster meetings, we walk with you through every step of the process so nothing falls through the cracks.

✅ We Know Colorado’s Roofing Codes
Each city has its own set of code requirements. We ensure that your replacement meets all local standards — and your insurance pays for what’s required.

Don’t Wait — Check Before That Clock Runs Out

If your neighborhood got hit by hail in the last 12 months — or even if you’re unsure — now is the time to take action.
The 365-day deadline comes faster than you think.

Let Beacon Roofing:

  • Inspect your roof at no cost

  • Help you determine if a claim is appropriate

  • Work directly with your insurance company to maximize coverage

📞 Schedule your free inspection today at beaconrestore.com or call us at 303-908-0707.
We don’t just fix roofs — we protect your home and your peace of mind.