Storm Damage Is Stressful. The Claim Doesn’t Have to Be.
Homericly Roofing guides you through the full insurance claim process — from documenting damage to sitting with the adjuster to reviewing your settlement. Most homeowners leave money on the table because they go it alone. We change that.
Free
Inspection report for your adjuster
23%
Average additional recovery with contractor present
24hrs
Typical inspection turnaround after storm
Step by Step
How a Roof Insurance Claim Actually Works.
This is informational guidance — not legal advice. For complex disputes, consult a licensed public adjuster or attorney.
Document the Damage
Before anything else, photograph every area of damage you can safely see from the ground. Date-stamp your photos. Do not attempt to walk on the roof — leave that to our inspectors.
Take wide shots showing the full roof, then close-ups of specific damage.
Call Us for a Free Inspection
Our certified inspector visits your property, documents all damage with photos, and writes a professional inspection report. This report is the most important document in your claim — it's what your adjuster uses to determine payout.
Do this before contacting your insurer. Our report strengthens your claim.
File Your Claim
Contact your insurance company to open a claim. Give them the date of the storm event and a summary of observed damage. Provide them with our inspection report and your own photos.
Most Colorado insurers accept claims online, by phone, or through their app.
Meet With the Adjuster
Your insurer sends an adjuster to inspect your property. Request that we be present at that appointment. Our inspector reviews the adjuster's findings and ensures nothing is missed.
Having a contractor present at the adjuster visit recovers an average of 23% more in claims.
Review the Settlement
Once the adjuster files their report, your insurer sends a settlement offer. We review it with you, line by line, and ensure it covers the full scope of necessary repair or replacement.
If the offer seems low, we can help you request a re-inspection or file a supplemental claim.
Schedule the Work
Once the claim is approved, we schedule your repair or replacement and work directly with your insurer on any supplemental items. You write us a check for your deductible — that's all.
Beware of contractors who offer to "waive your deductible" — it's insurance fraud in Colorado.
Use the Insurance Claim Assistant
Home Shield members access our step-by-step Insurance Claim Assistant directly in their portal. It walks you through every step, stores your documentation, and connects you to our team instantly.
Insurers We Work With
We Have Experience With Every Major Carrier in Colorado.
Don’t see your insurer listed? Call us. We work with all licensed Colorado insurers. Our documentation format meets the requirements of every major carrier.
Insurance FAQs
What Homeowners Ask After a Storm.
Does insurance cover hail damage?
In most cases, yes. Standard homeowners insurance policies in Colorado cover sudden damage from hail, wind, and storm events. Age, pre-existing conditions, and cosmetic-only damage may affect coverage. Our inspector identifies what qualifies for a claim and what does not.
Will my premium go up if I file a claim?
Possibly. Colorado law limits how much insurers can raise premiums after a single weather-related claim, but rates can still change. Talk to your agent before filing if you are unsure.
Can I choose my own contractor?
Yes. Colorado law protects your right to choose your own licensed contractor for insurance-related repairs. Your insurer cannot require you to use a preferred contractor network.
What is a public adjuster?
A public adjuster is a licensed professional who advocates for you (not the insurer) during the claims process. They typically charge 10–15% of the claim payout. Our inspection report often achieves a similar result at no additional cost.
What is a supplemental claim?
If the initial settlement does not cover all necessary repairs — or if additional damage is discovered during the repair process — you can file a supplemental claim for the difference. We manage this process on your behalf.
How long do I have to file a claim?
Colorado homeowners policies typically allow 1–2 years from the date of damage to file a claim. However, it's best to file as soon as possible — delay can complicate the process.
Had a storm recently? Don’t wait.
Our free inspection report is the strongest thing you can have before calling your insurer.