Legacy Roofing suggests to protect your property immediately against further damage. Use tarps or other materials to cover broken windows and damaged rooftops. Keep the receipts of any materials/roofing services that you purchase to make these repairs so your adjuster can review them and reimburse you for expenses covered by your policy.
A Roofing Insurance Claim in Colorado abides by your policy that covers protection against damages to a house and its contents. Roofing Insurance Claims in Colorado law does not require a consumer to purchase homeowners insurance, but if your home is financed, the mortgage company will require coverage to protect their interest in the property.
There are various kinds of insurance claims including homeowner, condominium, renters and auto. All of these provide property and liability coverage. The property coverage will insure against perils such as hail, wind, vandalism, and theft. The liability coverage protects you in the event someone other than the insured is injured on your property.
Keep in mind that the most homeowner policies will not insure code coverage. If you need to purchase code coverage insurance, contact your company representative. Your policy contract will explain all of the insured coverage's and exclusions.
Legacy Roofing reads your policy limitations and make sure you have up to date building code coverage. Legacy Roofing can answer any questions about Insurance Claims in Colorado by contacting your Insurance Company or you may contact the Colorado Division of Insurance at 303-894-7499 or at [email protected]
Insurance Companies are not buying roofs that are out of the storm damaged areas. Most Roofing Companies do not have a well proven training system. They believe by just playing the numbers and odds by sending uneducated "salesmen" out to soak up as many homeowners in any given Colorado subdivision. Legacy Roofing strives very hard to give all of our team the best education to convey to our clients. We have a thorough 2 week training program that covers everything from the history of Legacy, roof diagram / measurements, to understanding the specific building line item on every claim.
Roof damage may not be as obvious as you would suppose. The damage that occurs to your roof is less obvious and more insidious than it might seem. When an asphalt roof is struck with hail, the copper coated stone granules are removed. This is critical. These granules are the ONLY UV protection your roof has, without them you are exposed.
While the damage doesn't appear,this constitutes damage to your roof. Even minor damage like this WILL cause your roof to age prematurely and needs to be replaced. This roof was paid for by a roofing insurance claim.