Hail and Wind Damage Claims in Colorado are one of the most common types of insurance claims. What does that mean for you? A major disadvantage - your insurance company is better prepared to overcome the choice to replace your roof, siding, windows, etc. Because insurance companies have years of experience in this process, your insurance company has a well developed plan of attack to minimize your settlement.

If there is obvious damage like holes or dents the process is certainly smoother. But in most cases, hail and wind damage is not cut and dry. More often than not the decision to replace a roof comes down to the judgement call on an insurance adjuster. One thing is certain, once the adjuster decides you have little to no damage, it's difficult to change his or her mind. To overcome this, one requires a deep understanding of the physics of hail and wind. Specifically the wind effects on hail, general direction of the storm, size of hail stones, and relative hardness of hail stones. Below is a basic outline to follow if you are not sure how to begin your hail and/ or wind damage claim process. If you are beyond this stage, simply use this info as a quick checklist.

Find you insurance policy
Find the declarations page, then find the heading Forms and Endorsements, Review your specific policy details for wind and hail damage. Make not of your claim hotline number.

Report the loss
Call the claim hotline - have the date and time of the storm ready (if possible), along with general areas you have damage.

Preserve the important evidence
If possible, gather and save anything that can prove important details, such as the size of hail stones. We recommend taking pictures of hail if possible. Fallen tree limbs, wind driven debris is also good to accumulate to help justify damages found after clean up.

Take photos of your property in its worst condition
Before you clean up, take photos of the mess. Take them with perspective of evident markings. Take close up photos of the debris and damage. Have two sets of prints made, the adjuster will probably want to take one of them.

Arrange for temporary repairs if needed
Take the needed step to prevent further damage or water intrusion to your property. Your insurance company will compensate you for this, as it is more likely a requirement of your insurance policy. Take every measure to temporarily repair major damage to your home. Save all receipts and documentation of work done to receive compensation.

Keep track of your time and expenses
Keep receipts and records of your time and money spent on the clean up and/ or temporary repairs.

Select a qualified storm damage restoration company
Obtain a written inspection and ask for their help and commitment through the entire process. A local experienced storm damage firm has been through the process many times before, look for a company with knowledge, resources and experience in specifically handling insurance claims.

At Mile High Roofing & Repair LLC, we know storm damage negotiations and restoration. We dazzle insurance adjusters with all the details he or she needs to make a good decision. We present you our findings and deliver our Hail Damage Report in a clear and organized way.

Our claim representatives are helpful and professional in working closely with your insurance adjusters to perform a thorough damage inspection. when hail and wind damage is agreed in scope, we work closely with your insurance adjuster to receive the accurate value for your needed repairs and required restorations. We are experienced with insurance company estimating software and can quickly and accurately detail your project costs. When negotiating is needed, we offer crisp details and clear facts to get you results. With Mile High Roofing & Repair LLC on your side, you gain instant expertise and credibility. You have a solution to the problem of your insurance company being better prepared than you.