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As a top roofing contractor in Colorado, serving Denver, Fort Collins, Colorado Springs, and the Front Range, we interact with many homeowners eager to learn more about roofing, gutters, ventilation, or insulation. For many homeowners, installing a new roof is a new experience as is filing a hail damage roof insurance claim.

We wanted to provide answers to the most frequently asked roofing questions (FAQ) we are asked by our customers related to new roof replacement, roof repair, and roof maintenance.

While a roof is designed to withstand natural elements, several natural phenomena can damage your roof, including hail and wind.

The following are signs to look for if you believe you might have damage to your roof:

Wind Damage
Strong wind may cause roof shingles to separate and blow off the roof. Any missing shingle can leave your roof exposed to future leaks and interior damage.

In addition to missing shingles, you may look for asphalt shingles that are no longer attached or sealed to each other. Extreme wind can break this adhesive seal on your asphalt shingle that provides a water-shedding surface.

All manufacturers publish a wind warranty for their asphalt shingles. We recommend you understand your local jurisdiction’s minimum wind coverage requirements before making your shingle selection on a new roof. Further, certain jurisdictions require additional nailing during asphalt shingle installation specific to known high-wind zones. Your contractor should know and install to code requirements.

Hail Damage
A hailstorm is typically a weather event you cannot miss. Hail may be reported on your local news and not isolated to a single house or block. Hail may create a bruise in an asphalt shingle, making an indentation or crack the shingle allowing water to penetrate inside your property. If you suspect to have hail damage, you will likely need to file an insurance claim.

Potential signs of hail damage:

  • Damage to other, often more visible items on your home or property such as gutters and downspouts, windows, and siding
  • Dents to a vehicle or broken glass
  • Indentations on the asphalt shingle where granules are missing, and small divots remain
  • Many granules at the end of your downspout

If you have any concerns, contact a professional roofing contractor such as Metro City Roofing.

Many homeowners recognize the need for a new roof when they see spots on the ceiling or leaks, but there are other critical signs. Warning signs include shingle granules in the gutters, signs of water leakage or damage on the ceiling, light shining through the roof (inside your attic), shingles curling or cracking, dark or saggy spots on the roof, missing shingles, or age.

It is essential to know the different effects that hail damage has on different types of roofs. For example, hail damage to asphalt and composition shingles looks very different from hail damage on wood shingles. Detection of hail damage on flat roofs might even require a core cut to be made and sent to an independent lab for testing.

The following are factors to consider when determining if your roof has hail damage:

Asphalt & Composition Shingles

  • Hail impact marks or “hits” that are black; older hail hits will show as gray – no longer black
  • Loss of granules, which may expose the roof felt; you may notice these granules on the ground near your downspouts
  • Random damage to the asphalt shingle with no pattern
  • Hail damage hits that are soft to the touch, like a bruise on an apple

Wood Shingles

  • A split in the shingle that is brown/orange in color exposing freshly cut wood
  • A break in the shingle that has little to no deterioration at the edges
  • Impact marks or dents along the splits
  • Random damage with no pattern

Flat Roof Systems

Detection in a flat roof system is often harder to identify unless there is a noticeable tear – usually in a circular or semi-circle shape. Thorough evaluation requires cutting into the roof and inspecting a core sample.

If there is damage to your landscaping, siding, gutters, windows, screens, or exterior appliances, there is also likely damage to your roof.

Contact the hail damage and roof replacement experts at Metro City Roofing for your free roof inspection.

The Institute of Business and Home Safety (IBHS) and the Underwriter’s Laboratory (UL) developed the UL 2218 classification to establish a national standard for roof impact resistance. Asphalt roofing shingles have ratings from Class 1 through 4 based on their resistance to a steel ball simulation test. A Class 4 roof shingle rating is the toughest.

Asphalt roofing shingles classified as impact resistant have a Class 4 rating designed to withstand high winds and hail damage. The shingle rating is not visible by merely looking at the asphalt shingles, although the impact rating is typically marked on the cellophane on the underside of the shingle.

Homeowners can expect to receive a 28% discount ($863 annual average savings) on their homeowners insurance policy with a Class 4 impact resistant roof.

Metro City Roofing is a roofing contractor is headquartered in Denver, Colorado, with offices in Denver and Colorado Springs. We serve the entire Front Range and specialize in new roof replacements, roof restorations, and roof repairs.

See our Locations screen for a complete list of locations we serve. We carry roofing licenses wherever listed.

Most asphalt roofing shingles will provide 20 or more years of protection before the end of its useful life, but some factors play a significant role in a roof’s longevity. In Colorado, sun and heat are factors that can impact your roof’s ability to protect your home, not to mention hail damage or wind damage to a roof.

We recommend you schedule an annual roof inspection as part of your home improvement process to identify roof damage or potential issues. A professional roofing company can find damages early and offer appropriate roof repairs at an affordable cost during a roof inspection.

Reroofing includes the process of recovering or replacing an existing roof covering. Roof recovering is the process of installing an additional roof covering over an existing roof covering without removing the existing roof covering. Some Colorado cities or counties prohibit a roof from having more than a single layer while others allow it. Before installation, you will need to learn whether it’s allowed. Metro City Roofing can help you understand the regulations in your area.

Roof materials are also heavy. Every 100 square feet of quality asphalt roofing materials will add 300 pounds of weight or more. Other materials, such as concrete or tile, can add even more weight. If you are considering adding a second layer of roofing materials, it is crucial to validate whether your roof can support the additional weight.

If you have a roof leak, then identifying the problem may not be as simple as repairing the shingles. By adding a second roof layer, you may hide the root problem and find yourself in the same situation.

Adding a layer of roofing materials may also void a manufacturer’s warranty or create a problem for your roof to pass inspection. All cities and counties require a final roof inspection (and a number require a mid-roof inspection during roof installation) to evaluate whether your roof installation meets current code requirements.

A complete tear-off to the roof deck will allow you or your roofing contractor to inspect the underlayment and sheathing and validate whether your new roof installation will meet all current code requirements.

Please contact a qualified, licensed roofing contractor or your local city or county to ensure code requirements.

Metro City Roofing is a licensed and insured roofing contractor, carrying roofing licenses throughout the Front Range.

Most homeowners insurance policies cover new roof replacements due to acts of nature such as hail, wind, rain, and fire. If you are looking to upgrade the materials on your roof or install a new roof due to age, it is unlikely your homeowner’s insurance policy will cover these expenses. It is best to check your insurance policy or speak with an insurance agent to determine what your insurance company will cover.

We are hail and wind roofing insurance claim experts at Metro City Roofing and have perfected the insurance claim and roof replacement and roof restoration process. Should you file an insurance claim based on hail damage or wind damage, we will settle your insurance claim directly with your insurance company to ensure that you receive all funds owed to you.

Please note the following tips if you believe your roof gets damaged by hail.

  • Record the date of the hailstorm
  • Contact a reputable local roofing contractor to complete a roof inspection before you file a claim with your insurance company
  • Be wary of any roofing company or individual who knocks on your door immediately following a hailstorm. While some individuals may be reputable, we strongly recommend contacting a reputable local roofing company – not a storm-chaser. And never hand over any money on the spot.
  • If your roofing contractor discovers hail damage, it is vital to immediately file a claim with your insurance company. Some insurance companies have strict time limits when you can file a claim.
  • Your insurance company will perform its independent inspection. We recommend you have your selected roofing contractor available when the insurance adjuster comes to assess the roof. It is essential to follow your insurance company’s guidelines regarding the claim.
  • Do not attempt to fix or repair your roof on your own.

The answer to this question is, it depends. There are a number of factors in your roofing project including the size of your roof, type of roof materials to be used, time of year to maximize daylight and labor time, number of people in the roofing crew doing the work, and local building code requirements such as mid-roof inspections, adding decking, or additional nailing requirements for high-wind locations.

The average residential roof size in the US is about 1,700 square feet or 17 squares. All roofers use “squares” to measure and estimate roofs. A square is equal to 100 square feet of roofing surface. Most residential roofing projects of this size can be completed within 1-2 days but can easily extend by several days based on the above variables.

Unfortunately, the city inspection timing is outside of our control and depends on each city or county’s scheduling. Following a severe hailstorm storm, roof inspectors can quickly become backlogged, and your final inspection can take several weeks following your roof replacement. (In some cities and counties, the final inspection has taken several months in the past.)

At Metro City Roofing, we request inspections promptly following each roof replacement.

Please leave the building permit posted on your front door or window until the city or county completes its inspection. Your roof may fail inspection if you remove the permit before the building official’s inspection.

The building inspector may inform us in advance of the specific day of the inspection. We will certainly let you know when that’s the case. At other times, we are not informed in advance. If you see a signature on the “inspection completed” line of your permit, you may immediately take the permit down and retain it for your records. Once we are notified of the completed inspection, we will certainly inform you.

If you see any corrections required by the city or county, please notify your Metro City Roofing representative so we may schedule any necessary building code repairs and re-inspection.

When we leave a ladder at your house extending from the ground to your roof or your first floor to the second floor, it is not by accident. We placed it for the building inspector to inspect your roof. In specific cities or counties, roofing companies are required to supply a ladder. Once we learn of the inspection completed, we will promptly return to pick it up.

Typically, we will pick up a ladder the next day following the completed inspection. Occasionally, it will be several days later – but rest assured, we will return to get it.

As a top roofing contractor in Denver and across the Front Range, Metro City Roofing is proud to install only premium roofing materials. We work with many residential roofing product brands, and our expert staff will recommend the best roofing material for your new roof.

We are an Owens Corning Preferred Contractor and often select Owens Corning Class 4 shingles, as these are manufactured locally in Denver, Colorado.

Answering this question will depend on several factors, including the size of your home or building, type of roofing system and roofing product, and local code requirements such as additional nailing requirements for high-wind locations.

The average residential roof size in the US is about 1,700 square feet or 17 squares. All roofers use “squares” to measure and estimate roofs. A square is equal to 100 square feet of roofing surface. Shingle manufacturers recommend using four nails per shingle in the main part of the roof and five nails in the first row, which amounts to an average of 320 nails per square. Using the US average roof size of 17 squares, this calculates to 5,440 nails. Nailing requirement in high-wind areas requires additional nails.

Metro City Roofing is a full service, licensed, and insured roofing contractor. We are local and only do business in the state of Colorado. We specialize in roof replacements, roof repairs, and roof maintenance while aiming to deliver outstanding customer service. While we will act as a General Contractor for additional trades such as gutters and downspouts, windows and screens, exterior siding or soffit repair, exterior painting, and interior repair and painting, our primary focus is new roof replacement and restoration.

We recommend regular roof inspections, ideally after each hailstorm but at minimum once a year.

While the amount of attic insulation needed varies based on the country’s region, in most cases, the DOE recommends attics be insulated to R-49. The R-value represents thermal resistance to heat flow, so the higher the R-value, the greater the insulation effectiveness.

Learn more with the Owens Corning ventilation calculator

According to the International Association of Certified Home Inspectors, fiberglass and foam insulation materials will last a lifetime, provided they are not punctured, cut, or burned and kept dry and away from UV rays. This is true regardless of whether the installation was loosefill, housewrap, or batts/rolls.

Certain conditions can significantly affect the quality and effectiveness of your home’s insulation. One of the most common causes of insulation degradation is water damage. Leaks in roofs or the foundation can cause the insulation to gradually degrade over time as the water breaks down the material. Moisture from leaks can also cause mold growth, which makes insulation less effective and even harmful. Over time, loosefill insulation may settle, resulting in air leaks. Cellulose or fiberglass batt insulation also tends to fall from ceilings or crawl spaces just 15 to 20 years after installation. Regular dirt and dust can also impact the effectiveness of your home’s insulation.

Most experts, including those at the U.S. Department of Energy, recommend you have your insulation inspected at least once a year. If your roof has had to be repaired or replaced because of leaks, you should make sure to have an attic insulation inspection. Mildew and mold can affect insulation materials and indicate that excessive moisture has been or is still in the area, severely affecting the insulation’s R-value.

Contact the insulation and ventilation experts at Metro City Roofing for your free roof inspection.

The following are signs that you need new gutters:

  • There are too many cracks, holes, broken fasteners and large rusty patches to fix
  • The gutter hangers have pulled loose from the roof
  • There are gaps between the gutter pipes
  • Gutters are incorrectly pitched or sagging
  • The exterior paint of your house is peeling

These are all signs that your gutters have been malfunctioning for some time.

In all these cases, it’s time to get a quote for replacing your gutters. Hire a professional gutter installer for a full gutter and downspout replacement or sections of gutters.

Gutter cleaning cost will start at $200.00 but can increase due to the size of the house (i.e., linear feet of gutters and number of downspouts, roof’s pitch (steepness), 1-story, or multi-story home, and the amount of debris needing to be removed.

Contact us today to schedule your free inspection

Yes. We will clean your gutters to ensure there are no leaves or debris from your roof replacement. Gutters and downspouts comprise your gutter system and are an essential component of your roofing system to move water off your roof and away from your home. We will use a scrape any debris from the gutter trough and use a blower to ensure your gutters are clean when we complete your roof replacement.

Read more Residential Roof Replacement

If your home’s gutters capture falling debris from nearby trees, including decomposing leaves and twigs that clog the gutters and force water to flow over the side of the gutter, then yes. If your gutters are virtually clean other than minimal asphalt shingle granule loss, then no.

Depending on the type of gutter guard selected, you can block even the smallest bits of debris, such as blowing sand, while still allowing rain to flow through. Even with a screen grid, you can keep leaves from entering the gutter trough.


Key Customer Benefits to You

Metro City Roofing is the #1 roofing contractor recommended by local insurance agents across the Colorado Front Range.

We offer a no-pressure sales approach and do not ask for a signed contract until your insurance claim is approved for a new roof replacement.


99% success rate insurance claim approval when we recommend you file an insurance claim after your free inspection


$0 additional cost beyond your insurance deductible with no hidden surprises throughout your entire roof replacement process


28% average savings on homeowners insurance premiums with your free upgraded impact resistant shingles

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Metro City Roofing is the #1 roofing contractor recommended by local insurance agents across the Front Range.