Aww Hail No!

Aww Hail No!

  • Allison Benham
  • 04/24/23

Spring is upon us! The lilacs are blooming, the perennials are waking up, the trees are budding, and the grass is green. We’re fortunate to have gotten some rain to help things along; alas, with rain in Colorado can come hail. We’ve already seen it a couple times this year. And as homeowners, we know hail damage can be a real concern during storm season. Read on below to learn how to be prepared, and how to proceed if your home does incur hail damage.


Why the fuss?

According to the National Weather Service in Boulder, prime season for severe weather is between May 15th and June 15th.  The Denver Post just reported that the severe storm that struck the Front Range around this time last year resulted in 1.4 billion dollars in home damage. The majority of insurance claims were for roof repairs and replacements for over 100,000 homes.

Carole Walker, executive director of the Rocky Mountain Insurance Information Association, shared that “Colorado’s growing population, more severe storms, construction labor shortages and the higher expense associated with repairing newer cars with sensors are all helping to drive up the cost of claims.” So where does that leave us?


First things first

This is a good time to review your homeowners’ policy, and understand your coverage.

Steve Hakes, an insurance broker with Rocky Mountain Insurance Agency, says homeowners should be aware of a couple of things when considering their insurance policy, and hail and wind damage.
First, he said homeowners should make sure they understand their coverage and deductibles. Steve said in recent years, some insurance companies have moved away from the flat $1,000 or $1,500 deductible for roof claims, and instead have changed their deductible structure to a percentage based off of the total home coverage. So if homeowners are insuring a $500,000 home, the deductible for roof and hail claims may now be something like 1% of that $500,000 covered. So that $1,000 deductible could become a $5,000 deductible. Homeowners should review their coverage or call their insurance agent to ask if this change has been made on their policy.
Steve also said that while there isn't much homeowners can do to prevent hail damage, they can take some action to reduce the impact of wind on their roof. He said homeowners should make sure any "ruffled" shingles are secured properly, especially around the edges of the roof. Homeowners can use roof tacks or roofing tar to make sure any loose shingles are affixed properly. If homeowners are worried about climbing ladders or accessing a steeply pitched roof, a reputable roofer can be called in to make these repairs. Steve said a couple hundred dollars spent on preventing wind damage goes a long way in preventing roofing claims due to wind damage in the future.

So speak with your insurance agent and make sure that you have sufficient coverage for roof repairs or a replacement in the event of storm and hail damage, particularly in light of the rising cost of claims in the state.


Uh oh... now what?

If your home is affected by hail, it can be a good idea to first call a reputable roofing contractor to come to your home and assess the damage. Often, they will be able to meet the insurance adjuster after your claim is filed and explain the extent of any damage.

If you don’t have a roofer that you know and trust, always feel free to reach out to us for recommendations. In our industry, we’ve found a wide spectrum of customer satisfaction and are happy to give you names of contractors that our clients have had good experiences with.


Raise the Roof!

Lastly, if and when you do need to replace your roof -- whether due to damage or because it’s at the end of useful life -- you may consider using hail-resistant roofing products to help mitigate risk for damage in the future. A single layer of underlayment and rigid roof decking helps with hail resistance for a shingle roof. And of course, selecting a high quality shingle is instrumental. There is a four point scale that classifies hail resistance. Class 4 shingles are expected to provide the greatest protection from hail. A thoughtful roof replacement can be a great safeguard against hail and bring peace of mind for years to come.

So spend a bit of time addressing your preparedness for big storms, and then get back to enjoying this beautiful spring!


As always, if you have more questions, don’t hesitate to reach out! Until next time!

Work With Us

Get assistance in determining current property value, crafting a competitive offer, writing and negotiating a contract, and much more. Contact Us today.

Follow Us on Instagram