Frequently Asked Questions

Hail damage on asphalt shingles shows as bruising, dimpling, or loss of granules. Look in your gutters for granule buildup. Metal flashing, AC units, and gutters often show obvious dents. The most reliable check is a professional inspection — Hilltop offers these free.

ACV (Actual Cash Value) pays the depreciated value of your roof. RCV (Replacement Cost Value) pays the full replacement cost. Most carriers default to ACV initially and release recoverable depreciation once work is complete. Your policy declarations page will specify which you have.

Colorado statute gives homeowners 2 years from the date of loss to file a property damage claim. However, some policies have shorter windows. Check your policy or call your agent. Don't wait — roof damage worsens over time and your claim documentation gets harder to establish.

No. You have the right to hire any licensed contractor in Colorado. Insurance-company-preferred contractors are not required and may not always advocate fully on your behalf. You can choose Hilltop regardless of your carrier.

A public adjuster is a licensed professional who advocates on your behalf with the insurance company. Hilltop works alongside adjusters and handles documentation and supplementing directly with carriers in most cases. For large or contested claims, a public adjuster may add value — we can refer you to trusted ones.

A typical residential roof replacement in Denver Metro takes 1–2 days. Larger roofs, complex pitches, or extensive flashing work can take 3 days. We'll give you a realistic timeline at your estimate appointment.

We recommend Class 4 impact-resistant shingles for Front Range homes. They can qualify for a 20–30% premium discount from many carriers and provide significantly better performance in hail. Popular options include GAF Timberline ArmorShield II and Malarkey Vista AR.

Repairs make sense for isolated damage — a few missing shingles, a failed flashing boot, or localized wind damage. If hail has damaged more than 30% of the surface area, or the roof is nearing end of life, replacement is typically more cost-effective and may be covered by insurance anyway.

An average 2,200 sq ft home in Denver Metro typically runs $8,000–$16,000 for a full roof replacement depending on pitch, material, and complexity. If you have a valid insurance claim, you may pay only your deductible. Hilltop provides free, written estimates.

Yes. Hilltop works with financing partners to offer monthly payment options. See our financing page for current offers, or ask during your inspection.

Yes. Hilltop Contracting is licensed as a general contractor in Colorado, carries full general liability insurance, and maintains workers' compensation coverage on all employees. We can provide certificates of insurance upon request.

Yes — Hilltop is a full-service exterior contractor. We handle roofing, siding, gutters, windows, and exterior paint. Having one contractor handle multiple trades after a storm simplifies your claim and project management significantly.