An insurance claim can feel overwhelming, especially the first time. The good news is that the process follows a predictable path. Here's how it typically works for a hail or wind claim on a Colorado home.
Step 1: Get the roof inspected
Before you call your insurance company, it's smart to have a roofer inspect the roof and document any damage. That way you know whether there's damage worth claiming before you file. Triumph's storm damage inspection is free.
Step 2: File the claim
You file the claim with your insurance company, usually by phone, app, or online. Have your policy number, the approximate date of the storm, and any photos ready. Your insurer will assign a claim number and an adjuster.
Step 3: The adjuster inspection
The adjuster inspects your roof to decide what the insurance company will cover. It helps to have your roofer there too, so every damaged area gets seen and documented. We meet your adjuster on site for exactly that reason.
Step 4: Understand your estimate and policy
The insurer sends a written estimate (sometimes called a scope of loss). How you're paid depends on your policy type:
- Replacement cost value (RCV): The insurer typically pays in two parts: the actual cash value first, then the withheld depreciation after the work is completed and the final invoice is submitted.
- Actual cash value (ACV): The insurer pays the depreciated value of the roof, minus your deductible. Depreciation isn't paid back later.
Either way, your deductible is your responsibility. Check your declarations page or ask your agent which type of policy you have.
Step 5: Supplements for anything missed
Initial estimates sometimes miss items: damaged vents or flashing, decking that needs replacing once the old roof is off, or work required by local building code. A supplement is a documented request for the insurance company to add those items. Triumph handles supplements so nothing is missed.
Step 6: Mortgage company endorsement
If you have a mortgage, insurance checks are often made out to both you and your mortgage company, which has to endorse the check before the money can be used. This step can be slow and confusing. We handle it for you.
Step 7: The work, the final invoice, and the final check
Once the roof is replaced, the final invoice goes to your insurance company. On a replacement cost policy, that's what releases the withheld depreciation. You should receive copies of every invoice sent on your behalf. With Triumph, you always do.
Colorado rules that protect homeowners
Contractors can't cover your deductible. Colorado law prohibits roofing contractors from paying, waiving, or rebating your insurance deductible. A roofer who offers to is breaking the law and putting your claim at risk.
- Written contracts. Colorado requires residential roofing contracts to be in writing and to spell out the scope of work and price.
- A right to cancel if your claim is denied. If your insurance company denies your claim in whole or in part, Colorado law gives you a window (72 hours after you receive the denial) to cancel the roofing contract.
Rules can change and every policy is different, so ask your insurance agent about your specific coverage.
Want a team that handles all of this for you? See how Triumph handles insurance claims, or schedule your free inspection.