Filing a roofing insurance claim after a storm in Fort Collins doesn’t have to be overwhelming. While hail, high winds, and heavy rain can leave significant damage in their wake, the bigger headache for many homeowners is navigating the insurance process. In Colorado, one of the top five states for hail-related claims, according to the Insurance Information Institute, knowing how to file a roofing claim correctly can mean the difference between a fully covered repair and unexpected out-of-pocket costs.
If you’ve recently experienced storm damage to your roof, the local experts at New Heights Construction, LLC offer this step-by-step guide to filing a roofing insurance claim without stress or delays. With their deep knowledge of Fort Collins building codes and insurance processes, they’re here to help you protect your home and peace of mind.
Step 1: Know What Your Insurance Covers
Before a storm hits, it’s important to understand what’s in your homeowner’s insurance policy. Most policies cover roof damage caused by sudden and accidental events like hailstorms, fallen tree limbs, or wind. However, the extent of your coverage depends on your policy details.
Check for the following:
- Whether your policy covers “replacement cost” or “actual cash value”
- Your deductible amount for wind or hail claims
- Exclusions related to roof age or prior damage
- Requirements for documentation and inspection
Many Fort Collins residents discover too late that their policies have depreciation clauses or don’t fully cover aged roofs. If you’re unsure, contact your agent for clarification and request a written summary of your coverage.
Step 2: Schedule a Professional Roof Inspection
Before contacting your insurance provider, have your roof inspected by a qualified local contractor. New Heights Construction, LLC offers no-cost inspections after severe weather events to help identify and document all damage.
A qualified inspection should include:
- A full exterior evaluation of shingles, flashing, gutters, and vents
- A review of attic and interior ceilings for leaks or stains
- Detailed photos of all visible storm-related damage
- A written damage assessment and scope of recommended repairs
This documentation not only supports your claim, but it also ensures your insurance adjuster doesn’t miss critical issues. In fact, many insurers prefer that certified contractors be involved early in the claim process, as it speeds up evaluation and repair timelines.
Step 3: File the Claim Promptly
Once your inspection report is ready, it’s time to contact your insurance company. Colorado policies often require storm claims to be filed within 6–12 months, but sooner is always better.
Here’s how to streamline the claim process:
- Call your insurer or file online through their claim portal
- Provide your policy number and a brief description of the storm
- Mention that you’ve had a certified roofing inspection
- Ask when to expect your adjuster’s site visit
Document every step of the communication—names, dates, and summaries of calls or emails. You may also want your contractor present during the adjuster’s visit to ensure an accurate and complete evaluation.
Step 4: Meet with the Adjuster and Review the Estimate
Your insurance company will schedule an adjuster to inspect your property and confirm the damages. Be present if possible, and have your contractor from New Heights Construction, LLC, available to walk through the damage with them. Their presence helps ensure no item is missed or undervalued.
After the inspection, your insurer will issue a claim summary, often called a “scope of loss.” This outlines what they will pay for, including materials, labor, and depreciation.
Review the scope for:
- Omissions in damaged components (gutters, flashing, vents)
- Misclassified materials or incorrect pricing
- Items that differ from your contractor’s estimate
If there are discrepancies, your contractor can help submit a supplemental claim for additional coverage. This is a common and accepted practice in the insurance process and can prevent future issues if uncovered damage appears later in the project.
Step 5: Begin Repairs with a Licensed Local Contractor
Once your claim is approved and funds are issued, move forward with repairs quickly to prevent additional damage. Choose a Fort Collins-based roofer with a track record of quality work and warranty-backed service. Avoid “storm chasers” who lack proper licensing or may not be available for follow-up support.
When choosing your roofer, look for:
- Local licensing and insurance
- Knowledge of Fort Collins code requirements
- Warrantied labor and manufacturer-approved materials
- Transparent pricing aligned with your claim
New Heights Construction, LLC, works directly with your insurance carrier to make sure your claim is honored in full. They’ll handle scheduling, permitting, repairs, and documentation, ensuring your roof is restored with minimal disruption to your life.
Step 6: Understand the Payment Timeline
Insurance payouts typically occur in two phases. The first check covers the actual cash value of the work, and the second is released after the work is completed and an invoice is submitted. This second payment covers the recoverable depreciation listed in your policy.
Tips to manage payouts smoothly:
- Keep copies of all invoices and receipts
- Communicate project milestones to your insurer
- Submit final documentation as soon as repairs are finished
Your contractor can assist with submitting completion paperwork to avoid delays in receiving your final check. New Heights Construction, LLC ensures all billing aligns with insurance guidelines for fast, accurate payment.
Why Work With a Local Expert
Filing a roofing claim doesn’t have to be frustrating. Partnering with a local contractor who understands insurance processes, storm damage documentation, and Colorado-specific code requirements gives you an edge. Fort Collins homeowners face unique weather challenges—from hail to freeze-thaw cycles—and not every insurer fully understands these risks. That’s why working with New Heights Construction, LLC brings added peace of mind.
They advocate on your behalf, prevent miscommunication with insurers, and ensure you get the full benefits of your coverage. More than just roofers, they’re storm restoration professionals committed to helping you recover with confidence.
Protect Your Home—Without the Hassle
If you suspect roof damage after a storm or want to prepare before the next one hits, contact New Heights Construction, LLC today. Their team provides expert inspections, claim support, and professional repairs—so you can focus on your family, not your paperwork.