Colorado’s Front Range sits in “Hail Alley,” making hail damage an unfortunate reality for many homeowners. Understanding how insurance claims work can mean the difference between a smooth restoration and a frustrating experience.
The “Three-Step” Myth
Many homeowners believe the insurance process is simple: file a claim, get a lowball offer, fight for more money. This oversimplification leads to misunderstandings and missed opportunities.
The reality is more nuanced. Here’s what actually happens:
Correction 1: You File the Claim, Not Your Contractor
A roofing contractor cannot legally file a claim on your behalf. Doing so may constitute the unauthorized practice of public adjusting. You, as the policyholder, initiate the claim with your insurance company.
Correction 2: The First Check Isn’t a “Lowball”
The initial payment is typically the Actual Cash Value (ACV) - the depreciated value of your roof minus your deductible. It’s a starting capital injection, not a final settlement. The adjuster writes what’s “visible and undisputed” during their inspection.
Correction 3: It’s “Appraisal,” Not “Arbitrage”
When disputes arise about the value of loss, the resolution mechanism is called Appraisal - a quasi-judicial process mandated by most insurance policies. It’s not about gaming the system; it’s about reaching fair valuation.
The Five-Phase Reality
Professional claims management follows five phases:
- Validation: Confirming damage exceeds your deductible before filing
- Initiation: You file the claim with proper documentation
- Adjustment: The insurance adjuster inspects and writes an initial estimate
- Supplementation: Technical corrections for missed items
- Resolution: Final settlement or appraisal if disputes remain
What You Can Do
- Don’t panic after a storm - hail damage doesn’t mean immediate leaks
- Document conditions if safe to do so
- Get a professional inspection before filing (free from us)
- Be present when the adjuster visits
- Understand that supplementation is normal, not confrontational
The goal isn’t to “beat” your insurance company - it’s to ensure your roof is properly restored. A professional contractor provides the technical documentation to trigger the correct coverage provisions.