What to Do After a Hailstorm in Colorado

Hail damage is often invisible from the ground. Look for dimpled or bruised shingles, dents in metal flashing or gutters, granule loss in downspouts, cracked vent boots, and damaged window screens or siding. The only reliable way to know is a professional inspection — Hilltop offers free, no-obligation inspections throughout Denver Metro.

Colorado homeowner's policies typically allow up to 1 year from the date of loss to file a hail damage claim, though some carriers extend to 2 years. Filing sooner is always better — adjusters can match damage to a specific storm event, and contractors can document conditions before further weathering occurs.

A single weather-related (act-of-God) claim typically does NOT raise your individual premium in Colorado, because the storm affected everyone in your area — rate adjustments happen at the regional level, not the policyholder level. Multiple claims within a short window can affect renewability. Always confirm specifics with your agent.

No. Colorado law gives you the right to choose your own contractor. Carrier-preferred-program contractors are paid by the insurance company, not by you — their incentives don't always align with getting your roof properly repaired. Hilltop works for you, documents the full scope of damage, and supplements claims when needed.

Hail starts visibly damaging asphalt shingles at roughly 1-inch (quarter-sized) and above. Stones 1.5" and larger almost always cause functional damage requiring replacement. Front Range storms regularly produce 1.75"–2.75" hail. Even smaller hail (0.75"–1") can damage softer materials like skylights, vents, and aluminum siding.

As an Aurora-based storm restoration specialist, we prioritize Front Range storm response. Most homeowners are inspected within 24–48 hours of a significant hail event. After major regional storms, call us first — schedules fill quickly when an entire neighborhood is hit at once.

Yes — no charge, no obligation, no high-pressure pitch. If we find damage, we document it with photos and a written report and explain your options. If we don't, you get peace of mind and an honest assessment. We make our money on the work, not on the inspection.