Document Colorado Hail Damage the Right Way
Step-by-step guidance to capture, organize, and submit hail damage evidence that gets Colorado insurance claims approved faster.
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FAQ
What should I photograph after a hailstorm in Colorado to support my insurance claim?
Photograph every affected surface immediately after the storm, including roof shingles showing spatter marks or bruising, gutters with dents, window screens, siding, HVAC units, and any vehicles. Use a ruler or coin next to damage for scale, shoot in good natural light, and capture both wide-angle overview shots and close-up detail shots. Timestamp all photos and note the storm date so your adjuster can cross-reference National Weather Service hail reports for your Colorado zip code.
How long do I have to file a hail damage claim in Colorado?
Colorado law (C.R.S. § 10-4-110.8) gives homeowners two years from the date of a hail loss to file a property insurance claim, which is longer than many other states. However, you should still file as quickly as possible because evidence degrades, roofing contractors book up after major storm events along the Front Range, and some policies contain shorter notice requirements. Document damage the same day if safe to do so, contact your insurer within 24–48 hours, and request a certified copy of the hail report from your restoration contractor to attach to your claim.