Hail Insurance Claim Help — Aurora & Denver, CO
Extensive experience with every major Colorado carrier. We know what adjusters look for, what they miss, and how to get your claim paid fairly.
Hilltop Contracting helps Denver Metro homeowners navigate roof insurance claims end-to-end. Extensive Colorado hail claim experience with every major carrier. We document damage, meet your adjuster on-site, and protect your RCV coverage. Headquartered in Aurora, CO. BBB A+ Accredited, TAMKO Pro Certified, fully licensed and insured.
How We Navigate Your Claim
Free Inspection & Documentation
We inspect your property and produce a comprehensive damage report before you contact your carrier.
File Your Claim
You call your insurance company to open the claim. We provide guidance on exactly what to say and what documents to have ready.
Adjuster Inspection
Your carrier sends an adjuster. A Hilltop project manager attends every adjuster inspection with our clients, with our documentation in hand.
Review the Estimate
We review the adjuster's scope with you. If items are missed or undervalued, we submit a supplemental request with supporting documentation.
Approve & Schedule
Once scope is agreed upon, you sign off and we schedule installation. We communicate with the carrier throughout.
Final Documentation
After installation, we provide the certificate of completion your carrier needs to release any recoverable depreciation.
Carrier-Specific Claim Guides
Every carrier handles Colorado hail claims differently. See our detailed guide for your carrier.
Why Experience in Claims Matters
148
Claims navigated
Across all major Colorado carriers
All 7
Major carriers
State Farm, USAA, Allstate, AmFam, Farmers, Liberty Mutual, Travelers
4.9★
Google Rating
Verified by Colorado homeowners
How to File a Hail Damage Claim in Colorado
Filing a hail damage claim in Colorado comes down to four steps — and the order matters, because getting it right protects what your carrier ultimately pays.
- Get an independent inspection before you call your carrier. An experienced contractor documents the damage and sets the baseline. If the adjuster scopes the roof first, anything they miss has to be argued back later through a supplement.
- Confirm the storm date.Pull the event date and hail size for your ZIP from NOAA's Storm Prediction Center, and save photos of any collateral damage (dented gutters, AC fins, window screens).
- Check your policy's notice-of-loss window.Colorado gives you up to three years to pursue a property-damage claim (CRS 13-80-101), but your policy's reporting deadline is typically much shorter — often about a year — so don't wait.
- Call your carrier with your inspection report in hand,and ask that your contractor attend the adjuster meeting. When the homeowner isn't represented, 20–40% of legitimate damage routinely gets scoped out.
Hilltop walks Colorado homeowners through every step — free inspection, claim-filing guidance, adjuster-meeting attendance, and supplements when the scope falls short. For the full walkthrough, see our Colorado Hail Insurance Claim Guide, or book a free inspection.
Insurance Claims FAQ
We can't file on your behalf, but we guide you through every step. We tell you exactly what information your carrier needs, attend the adjuster inspection, and handle all supplement documentation. Most homeowners find the process much less stressful with us involved.
A supplement is a request to add line items to your insurance estimate that were missed or undervalued. Common supplements include O&P (overhead and profit for general contractor involvement), code upgrade items, additional tearoff layers, and accessories like ice and water shield. Supplementing is a normal and legal part of the claim process.
Yes — carriers can and do deny claims. Common reasons include claims outside the policy window, disputes over cause of damage, or claims below the deductible. If your carrier denies or undervalues your claim, we can walk you through your options.
ACV (Actual Cash Value) pays the depreciated value. RCV (Replacement Cost Value) pays full replacement. Most policies start at ACV and release recoverable depreciation once the work is complete and documented. Check your policy's declarations page.
Homeowners are responsible for their insurance deductible and the cost of any upgrades they choose to add beyond what the insurance claim covers. All approved claim funds are applied directly to the scope of work — there are no additional fees for claim management or adjuster attendance. That is part of the service we provide.
We Work With Your Insurance Carrier
Our team has 18 years navigating Colorado hail claims with every major carrier. We know how each company handles storm claims — and we fight for every dollar you deserve.
Get Your Free Roof Inspection Today
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