What should I do after a hailstorm?

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.

DENVER ROOFING INSURANCE CLAIM EXPERTS

Guiding the insurance claim and roof replacement process

We have perfected the hail damage insurance claim and roof replacement process and manage your claim on your behalf. We are state-licensed independent adjusters, which means we evaluate your property with the same lens as an insurance adjuster.

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65 reviews

Metro City Roofing salesperson in a black shirt and facemask inspecting a roof replacement in process in Denver, Colorado

THE METRO CITY ROOFING DIFFERENCE

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.

INSURANCE CLAIM APPROVAL

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

BEYOND DEDUCTIBLE

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

ANNUAL SAVINGS

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

SELECTING THE RIGHT INSURANCE POLICY FOR YOU

The Right Insurance Policy Will Provide Peace of Mind

Some homeowners may believe that spending money on insurance coverage is a waste of money. Insurance, however, can save you a lot of money and anxiety when tragedy strikes. Carefully consider having home insurance to protect your house and your belongings. Shop across several insurance companies for your best quote to ensure you are not overpaying your home insurance.

Our goal is to simplify your hail damage insurance claim process following a hailstorm and manage the entire insurance claims process on your behalf. We start with a free roof inspection and represent you during all interactions with your insurance company. We settle your roof damage claim directly with your insurance company (including possible code-related requirements) to ensure that you receive all your funds.
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Chalk markings document roof damage An insurance adjuster will mark hail and wind damage on a roof

Home Insurance Facts

Critical information to aid in which homeowners insurance policy is right for you

A basic policy will cover fire, storm, theft, and natural disasters such as hail – A basic policy will also include liability in case someone suffers an injury in the house.
You have choices in the type of policy you choose – When searching for a home insurance policy, we recommend learning about the different coverages and options that best suit your needs. An HO-3 policy is the most common home insurance policy but may not be the best fit for everyone.
Home insurance does not necessarily cover all significant damage – Examples of exclusions are natural disasters such as earthquakes or floods.
Try to validate whether you have storm damage before filing a claim – It is important to avoid filing too many claims, or your insurance company may drop you. You should also make sure you understand your coverage based on the type of policy you have.
Check for possible discounts when shopping for homeowners insurance – For example, you may qualify for a discount if you have installed smoke detectors, fire extinguishers, or other safety features. If your roof has Class 4 hail impact-resistant shingles, you would likely qualify for a discount on your homeowners policy.

Keep your home well maintained – If you file an insurance claim, but damages result from negligence, your claim will likely be denied. We recommend keeping your home well-maintained with regular roof inspections, gutter and downspout cleaning, trimming trees, and repairing any leaking pipes.
Your credit score may affect your house insurance policy – The lower the credit score, the higher the insurance premium.
Your ability to file an insurance claim will have a deadline – If you intend to file a claim, we recommend doing it as timely as possible. Depending on the work scope, you will also likely have a time limit to complete any repairs or replacement and recoup all funds owed to you as part of the claim.
Know your deductible – The amount you pay towards the insurance claim (technically before your insurance pays) is called a deductible. We recommend you understand your deductible on your home insurance policy as this is your financial responsibility.
Make an inventory list – No one wants a claim denied by the insurance company. To avoid such a disaster, create a list of the items in your home and what you paid for them. Keep receipts when possible.

Trusted By Major Insurance Companies

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We manage every detail of your roof replacement for you and treat your home like our own.

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FIVE ESSENTIAL STEPS IN THE ROOF DAMAGE INSURANCE CLAIM PROCESS

Follow These Steps When You Have Storm Damage to Your Roof

Have your roof inspected by a reputable local roofing company.

Many homeowners call their insurance company following a hailstorm or windstorm. Your roof may not have hail damage or wind damage, but you may notice water damage from a roof leak. It’s best to start with a free, no-obligation hail damage roof inspection and a detailed inspection report. Be sure to make any immediate repairs to prevent further damage.

Metro City Roofing will inspect your roof, along with your gutters and downspouts, windows, screens, skylights, paint and siding, and more.

File a roof hail damage claim with your insurance company.

After verifying your damaged roof and possible additional property damage, file a roof damage insurance claim on your homeowner’s policy. Your insurance company may ask if you have already had your roof inspected.

Once you file a roof claim, the insurance company will assign a claims adjuster to your claim.

The insurance claim adjuster is required to contact you to schedule an inspection. It is best to have the insurance claim adjuster and your roofing contractor inspect your roof together. As the insurance claim adjuster represents the insurance company, s/he will naturally have the insurance company’s best interests in mind.

We strongly recommend you have a qualified roofing contractor, like Metro City Roofing, represent you during this meeting with your best interests in mind. When they inspect the roof together, they are more likely to be aligned about what will be covered by insurance, and you will be able to get your roofing project started more quickly. The goal is to ensure your entire roof is approved, plus all additional damaged items.

Schedule your roof replacement with your selected roofing company.

With Metro City Roofing, you will have a single point of contact throughout your project. A typical residential roof replacement will take 1-2 days from start to finish. You do not need to be home during your roof replacement. You should expect to receive your insurance paperwork within 7-10 days (although some insurance companies will provide an estimate immediately following the inspection).

Your initial insurance estimate will often miss items such as code required upgrades or unforeseen at the time of the adjustment. A trained roofing contractor will satisfactorily handle all insurance claim supplements and negotiations on your behalf.

Your deductible should be your only out-of-pocket expense.

Insurance companies make at least two payments for every storm-related insurance claim. The first check represents the Actual Cash Value (ACV), which factors your roof’s condition and age, less your deductible. The balance is called the Depreciation, which the insurance carrier releases once you have signed a contract to do all work or complete the job.

It is not uncommon, however, to receive more than two payouts with additional supplemental items. Your insurance company will pay you directly, and then you will pay your roofer once the work is complete.

Metro City Roofing does not require any payments until we deliver materials to your home.

We have a 99% success rate to successfully get your roof claim approved when we recommend you file an insurance claim.

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CREDENTIALS THAT BENEFIT YOU

Your Home is Your Most Prized Asset. Don’t Trust It to Just Any Roofer.

At Metro City Roofing, we are passionate about training and earning certifications and licenses that enable us to articulate why we’re different and better than other Colorado roofing companies.

At Metro City Roofing, we frequently hear from customers how much a new roof replacement dramatically improves their home’s look. When you need a roof replacement for a hail-damaged or wind-damaged roof, choose Metro City Roofing, an expert Colorado roofing contractor, with offices in Denver and Colorado Springs, serving Coloradans across the Front Range.

Metro City Roofing works hard to be the Colorado residential roofing company you can count on for dependable and quality residential roofing services, including complete replacement, roof restoration, or roof repair.

We are roofing experts that stand behind each new roof replacement and residential roof repair. Our skilled and experienced roof installers will ensure to install your roofing system properly with high-quality craftsmanship.

fully insured and licensed in every city we inspect and complete roof replacements

Only

of roofing companies earned the All Lines Adjuster License, the industry-standard license for all insurance adjusters

of our roofing projects are permitted, where City and County officials will inspect your roof replacement to ensure every aspect of your new roof is installed correctly

Only

of Colorado roofing contractors are members of the National Roofing Contractors Association

Only

of Colorado roofing contractors are members of the Colorado Roofing Association

Top

of all contractors in Colorado, according to Buildzoom

Overall rating

5.0/5

65 reviews

Read more reviews

We had hail damage to our roof and reached out to our insurance agent. He recommended Metro City Roofing. I am so glad they did. Each step was a breeze. Never having replaced a damaged roof, I really had no idea what the process was. Jonathan led us through every step including what to expect from our insurance company. They were highly communicative and answered every question or concern we had. They spoke directly with my insurance to work through any concerns so, for once, I didn’t have to constantly play the middleman. They scoured they property to clean up and the new asphalt roof looks fantastic. I recommended Metro City Roofing to numerous neighbors and they all had similar experiences. I was very happy with my experience with Metro City Roofing.
Amanda Jones

Jonathan was great at helping us beginning to end with our hail claim and roofing and window repair. He is really knowledgeable about the insurance claims process and persisted with us when our insurance company tried to use confusion related to previous claims to justify certain exclusions. In the end, his persistence helped get us full coverage for the damage. And the new roof looks great!
Gretchen Morgan

Metro City Roofing made my roof replacement care-free! They expeditiously delivered a quality product and managed the entire process with the insurance company. My property was left free of construction debris and the quality is excellent! I highly recommend Metro City Roofing for all your residential roofing projects.
Andrea Huddleston

We had hail damage to our roof and reached out to our insurance agent. He recommended Metro City Roofing. I am so glad they did. Each step was a breeze. Never having replaced a damaged roof, I really had no idea what the process was. Jonathan led us through every step including what to expect from our insurance company. They were highly communicative and answered every question or concern we had. They spoke directly with my insurance to work through any concerns so, for once, I didn’t have to constantly play the middleman. They scoured they property to clean up and the new asphalt roof looks fantastic. I recommended Metro City Roofing to numerous neighbors and they all had similar experiences. I was very happy with my experience with Metro City Roofing.
Amanda Jones

Jonathan was great at helping us beginning to end with our hail claim and roofing and window repair. He is really knowledgeable about the insurance claims process and persisted with us when our insurance company tried to use confusion related to previous claims to justify certain exclusions. In the end, his persistence helped get us full coverage for the damage. And the new roof looks great!
Gretchen Morgan

Metro City Roofing made my roof replacement care-free! They expeditiously delivered a quality product and managed the entire process with the insurance company. My property was left free of construction debris and the quality is excellent! I highly recommend Metro City Roofing for all your residential roofing projects.
Andrea Huddleston

We had hail damage to our roof and reached out to our insurance agent. He recommended Metro City Roofing. I am so glad they did. Each step was a breeze. Never having replaced a damaged roof, I really had no idea what the process was. Jonathan led us through every step including what to expect from our insurance company. They were highly communicative and answered every question or concern we had. They spoke directly with my insurance to work through any concerns so, for once, I didn’t have to constantly play the middleman. They scoured they property to clean up and the new asphalt roof looks fantastic. I recommended Metro City Roofing to numerous neighbors and they all had similar experiences. I was very happy with my experience with Metro City Roofing.
Amanda Jones

Jonathan was great at helping us beginning to end with our hail claim and roofing and window repair. He is really knowledgeable about the insurance claims process and persisted with us when our insurance company tried to use confusion related to previous claims to justify certain exclusions. In the end, his persistence helped get us full coverage for the damage. And the new roof looks great!
Gretchen Morgan

Metro City Roofing made my roof replacement care-free! They expeditiously delivered a quality product and managed the entire process with the insurance company. My property was left free of construction debris and the quality is excellent! I highly recommend Metro City Roofing for all your residential roofing projects.
Andrea Huddleston

We respect your time.

We schedule specific appointment times and don’t expect you to wait at home for us during long appointment windows.

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FREQUENTLY ASKED QUESTIONS

Answers to Common Questions Asked by Our Customers

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 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.

Our Suppliers

As a top roofing company in Colorado, we install only high-end asphalt shingle roofing brands, such as Owens Corning, CertainTeed, and GAF. We frequently recommend Owens Corning since they manufacture locally in Denver, CO.

We proudly install Owens Corning roofing materials for a new shingle roof, including shingles, ridge vent, underlayment, starter, and more. Owens Corning is a United States Fortune 500 company. Metro City Roofing is a Preferred Contractor and has earned numerous Owens Corning certifications, including Total Protection Roofing System and Top of the House certification. We have been specially trained on how roofing, ventilation, and attic insulation work together to improve your home’s energy efficiency and comfort.

Our Associations

Metro City Roofing is a proud member of the National Roofing Contractors Association (NRCA), the Colorado Roofing Association (CRA), and is nationally certified with the International Code Council (ICC). We are also involved in numerous local Chambers of Commerce, including Denver, Fort Collins, Colorado Springs, Broomfield, Westminster, Arvada, Golden, and more.

Best-In-Class Training and Certifications

Our Installers

Our skilled and experienced roof installers will ensure to install your roofing system properly with high-quality craftsmanship. Our new roof installation crew has many years of experience with complete roof replacements and roofing repairs. We will address any issues that come up, such as fixing a leak, replacing a missing or broken tile or shingle, or a new roof replacement, while delivering quality workmanship.

Our entire team live year-round in Colorado. We are your neighbors.

Our Reputation

We are proud of the excellent reputation we’ve earned, with outstanding customer satisfaction, one roof, and one customer at a time.

We are also proud to have earned the Google Guaranteed badge. This means Metro City Roofing passed a Google screening and qualification process, including verifying our business licenses and insurance coverages, background checks, and favorable customer reviews. Ultimately, the Google Guaranteed badge gives customers the confidence they are working with a legitimate, reputable company in their area.

Please read more of our reviews on our Reviews page.

Are you looking for the best Denver roofing company?

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

REQUEST FREE ROOF INSPECTION