Does my homeowner's insurance cover hail roof damage?

Most standard homeowner's insurance policies in Colorado cover roof damage caused by hail and wind as part of your dwelling coverage. Whether your policy is Actual Cash Value (ACV) or Replacement Cost Value (RCV) affects how much you receive initially — but in most cases, a proper claim covers the full replacement. We review your policy language with you during your free inspection, so you know exactly where you stand before we file anything.

Do I have to use the roofing contractor my insurance company recommends?

No. In Colorado, you have the legal right to choose your own licensed contractor. Insurance?preferred contractor lists exist for the carrier's convenience, not yours. You are under no obligation to use them — and in many cases, choosing your own contractor who advocates for your full claim results in a significantly better outcome.

What is a deductible, and will I have to pay it?

Your deductible is the portion of the claim you are responsible for paying before your insurance covers the rest. Deductibles vary by policy — many Colorado policies have a separate hail deductible, often 1-2% of your home's insured value. UB Code Roofing+ will explain your deductible clearly before any work begins. We never waive deductibles — this is insurance fraud under Colorado law. Anyone who offers to cover your deductible is doing something illegal.

What is a supplement, and why might I need one?

An insurance supplement is a formal request for additional funds when the original estimate doesn't cover all the required work. This is common because Colorado building codes require upgrades — like additional ice and water shield, drip edge, and updated ventilation — that adjusters often omit. Your insurance policy is required to cover code-mandated upgrades. We handle all supplement documentation and submission on your behalf as a standard part of our service.

How long does the insurance claim and roof replacement process take?

The timeline varies depending on your insurance carrier and claim complexity. In general, the inspection takes one day, filing and adjuster scheduling takes 1-2 weeks, the initial estimate arrives within 2-3 weeks, and supplement approval — if needed — can take an additional 2-6 weeks. Once all funds are approved, installation typically takes 1-2 days. We stay in contact with you throughout every stage so you're never left wondering where things stand.

What if my claim is denied or my settlement seems too low?

A denial or low estimate is not the end of the road. We can review the denial, prepare a formal re-scope with supporting documentation, and submit an appeal on your behalf. Colorado homeowner's insurance policies also include an Appraisal Clause that gives you the legal right to a neutral third-party review of the damage value. We've helped many homeowners successfully appeal underpaid claims — don't accept a low settlement without talking to us first.

Will my insurance rates go up if I file a claim?

Hail and wind damage are weather-related events classified as 'acts of God' — in Colorado, insurance companies are generally prohibited from raising your rates or canceling your policy solely because you filed a weather-related claim. This is different from at-fault claims like fire or water damage from a personal incident. We recommend reviewing your policy and speaking with your agent, but most Colorado homeowners should not fear rate increases for filing a legitimate storm damage claim.

Free Inspection

We start with a thorough roof inspection — at no cost to you. Our FAA-certified drone pilots document every inch of damage with high-resolution aerial photography. You'll receive a detailed inspection report you can use when filing your claim.

File Your Claim

Once we've documented the damage, we will walk you through filing your claim with your insurance carrier. We'll tell you exactly what to say, what to send, and what to watch out for. If you've already filed, no problem — we can step in at any point.

Adjuster Meeting

We attend your adjuster meeting so you don't have to navigate it alone. Our team presents our documentation alongside the adjuster's inspection to ensure nothing is missed — including gutters, drip edge, ice and water shield, and permit fees that adjusters often overlook.

Scope Review & Supplements

Once the initial estimate arrives, we review every line item. If items are missing or underpriced — which happens frequently — we submit a formal supplement request on your behalf. Colorado building codes require upgrades that your insurance must cover. We know what to ask for and how

to document it.

Approved & Installed

Once your claim is approved and finalized, we schedule your installation at your convenience. All work is fully permitted, inspected, and backed by our 10-year workmanship warranty. Most homeowners pay only their deductible — nothing more.

Roof Replacement

Hail and wind damage is the leading cause of Colorado roof replacements. We handle everything from asphalt shingles to metal and flat roofing — and as an Owens Corning Preferred Contractor, all materials come with a manufacturer's lifetime warranty.

Gutters

Hail dents gutters — but adjusters frequently leave them out of the initial estimate. We photograph and document every section of gutter damage to make sure it's included in your approved scope.

Siding

Impact damage to vinyl, fiber cement, and wood siding is often visible as cracks, dents, or pitting. Insurance covers full panel replacement when hail damage meets the threshold — we test every elevation.

Windows

Cracked seals, broken glass, and damaged frames from hail and debris are all claimable. We document each window individually and include it in the claim scope when warranted.to document it.

Painting

When siding is replaced, or storm debris scuffs exterior surfaces, matching paint is a legitimate part of the claim. We coordinate painting to restore your home's full curb appeal.

Supplements & Code Upgrades

Colorado building codes require specific upgrades whenever a roof is replaced — ice and water shield, drip edge, ventilation, and more. Your insurance is required to cover these. We make sure they do.

We meet your adjuster on-site — every time. No phone calls, no second-hand explanations. Our team is there in person to present documentation and push back on underestimates.
FAA-certified drone inspections. We document damage from every angle with high-resolution aerial photography — the same standard insurance carriers use.
Supplement documentation included. Every project includes a full scope review, and we submit supplements on your behalf at no additional charge.
You pay only your deductible. When we do our job right, you should not have out-of-pocket costs beyond what your policy requires.

10-year workmanship warranty. Every installation is covered — not just the materials, but our work. That's our commitment to you and your home.
100% permitted work, every time. We pull all required permits and schedule city and county inspections on every job. No shortcuts.
Colorado has been family-owned since 1998. Ronnie and Cynthia built this company from the ground up. When you call UB Code Roofing+, you're talking to the owners.
Nextdoor Neighborhood Favorite. Our neighbors in Aurora have voted us their favorite roofing company — and that means everything to us.

Aurora Homeowners Trust Us With Their Most Important Claim

"After the hailstorm last spring, I had no idea where to start. UB Code came out the next day, documented everything with their drone, and handled every single conversation with my adjuster. I didn't have to make one difficult phone call. My entire roof, gutters, and drip edge were covered — including things I didn't even know were damaged. I can't recommend them enough."

— Michelle R., Aurora, CO · Google Review ⭐⭐⭐⭐⭐

"My insurance company's first estimate was thousands short. UB Code submitted a supplement for all the code-required items and got it approved. I paid my deductible and not a penny more. These people know exactly what they're doing."

— David K., Parker, CO · Google Review ⭐⭐⭐⭐⭐

"I've used two other roofing companies over the years and never had anyone show up to the adjuster meeting with me before. UB Code did, and it made a huge difference. They caught items that the adjuster completely missed. Honest, professional, and they did beautiful work."

— Karen L., Centennial, CO · Google Review ⭐⭐⭐⭐⭐

5.0 Stars on Google · 151 Reviews ⭐⭐⭐⭐⭐ · A+ BBB Rating · Nextdoor Neighborhood Favorite

Does my homeowner's insurance cover hail roof damage?
Most standard homeowner's insurance policies in Colorado cover roof damage caused by hail and wind as part of your dwelling coverage. Whether your policy is Actual Cash Value (ACV) or Replacement Cost Value (RCV) affects how much you receive initially — but in most cases, a proper claim covers the full replacement. We review your policy language with you during your free inspection, so you know exactly where you stand before we file anything.
Do I have to use the roofing contractor my insurance company recommends?
No. In Colorado, you have the legal right to choose your own licensed contractor. Insurance?preferred contractor lists exist for the carrier's convenience, not yours. You are under no obligation to use them — and in many cases, choosing your own contractor who advocates for your full claim results in a significantly better outcome.
What is a deductible, and will I have to pay it?
Your deductible is the portion of the claim you are responsible for paying before your insurance covers the rest. Deductibles vary by policy — many Colorado policies have a separate hail deductible, often 1-2% of your home's insured value. UB Code Roofing+ will explain your deductible clearly before any work begins. We never waive deductibles — this is insurance fraud under Colorado law. Anyone who offers to cover your deductible is doing something illegal.
What is a supplement, and why might I need one?
An insurance supplement is a formal request for additional funds when the original estimate doesn't cover all the required work. This is common because Colorado building codes require upgrades — like additional ice and water shield, drip edge, and updated ventilation — that adjusters often omit. Your insurance policy is required to cover code-mandated upgrades. We handle all supplement documentation and submission on your behalf as a standard part of our service.
How long does the insurance claim and roof replacement process take?
The timeline varies depending on your insurance carrier and claim complexity. In general, the inspection takes one day, filing and adjuster scheduling takes 1-2 weeks, the initial estimate arrives within 2-3 weeks, and supplement approval — if needed — can take an additional 2-6 weeks. Once all funds are approved, installation typically takes 1-2 days. We stay in contact with you throughout every stage so you're never left wondering where things stand.
What if my claim is denied or my settlement seems too low?
A denial or low estimate is not the end of the road. We can review the denial, prepare a formal re-scope with supporting documentation, and submit an appeal on your behalf. Colorado homeowner's insurance policies also include an Appraisal Clause that gives you the legal right to a neutral third-party review of the damage value. We've helped many homeowners successfully appeal underpaid claims — don't accept a low settlement without talking to us first.
Will my insurance rates go up if I file a claim?
Hail and wind damage are weather-related events classified as 'acts of God' — in Colorado, insurance companies are generally prohibited from raising your rates or canceling your policy solely because you filed a weather-related claim. This is different from at-fault claims like fire or water damage from a personal incident. We recommend reviewing your policy and speaking with your agent, but most Colorado homeowners should not fear rate increases for filing a legitimate storm damage claim.