Timing is Everything: How to Navigate Roof Insurance Claims After a Colorado Hailstorm

Josh Bosley • April 17, 2025

Navigating the Days after a Major Colorado Hailstorm

When the skies above Northern Colorado start to darken with the threat of hailstorms, it's crucial for homeowners to be prepared not just for the storm itself, but also for the aftermath. Understanding the importance of timing when it comes to filing a roof insurance claim can make all the difference in safeguarding your home and finances. Often, hail damage can be subtle and easily overlooked, which is why a free, no-obligation roof inspection is an invaluable resource. By choosing a local, veteran-owned company, you not only support your community but also ensure that your home is in the hands of experts who truly care. As we enter the hail season, now is the perfect time to book your free roof inspection and stay a step ahead of the next storm


Understanding Colorado's Hail Season

Colorado's hail season is a critical time for homeowners to be vigilant. Understanding the typical timeline of hailstorms and recognizing often-overlooked signs of damage can help you protect your property effectively.


Typical Hailstorm Timeline

Colorado's hail season typically runs from mid-April to mid-September, with peak activity in June and July. During this period, warm, moist air from the Gulf of Mexico collides with cool air from the Rockies, creating ideal conditions for hailstorms.


Most hailstorms in Colorado occur in the late afternoon or early evening, often between 3 PM and 7 PM. These storms can develop quickly, sometimes with little warning.


The duration of a hailstorm can vary, but most last between 5 to 10 minutes. However, some severe storms may persist for up to 30 minutes, causing significant damage.


Commonly Overlooked Hail Damage Signs

Hail damage isn't always immediately apparent, and many homeowners miss crucial signs. Understanding these subtle indicators can help you identify potential issues before they worsen.


Look for small, dark spots or "bruises" where hail has impacted your roof. These may be soft to the touch or show exposed underlayment when pressed.


Check for granules from your shingles in gutters or downspouts. Excessive granule loss can indicate hail damage and compromise your roof's integrity.


Inspect metal surfaces like vents, flashing, or chimney caps for dents or dings. These areas can reveal hail damage that might not be visible on the shingles themselves.


Timing and Insurance Claims

When it comes to roof insurance claims after a hailstorm, timing is crucial. Understanding the importance of swift action and knowing how to maximize your insurance claim can save you significant stress and financial burden.


Importance of Swift Action

Acting quickly after a hailstorm is essential for several reasons. First, most insurance policies have a time limit for filing claims, typically within one year of the damage occurring.

Prompt action also helps prevent further damage to your property. Even minor hail damage can lead to leaks or structural issues if left unaddressed, potentially voiding your insurance coverage.

Quick reporting increases the likelihood of accurate damage assessment. As time passes, it becomes harder to distinguish between storm-related damage and normal wear and tear.


Maximizing Your Insurance Claim after a Colorado Hail Storm

To get the most out of your insurance claim, follow these steps:

  1. Document the damage thoroughly with photos and videos.
  2. Contact your insurance company immediately to report the damage.
  3. Schedule a professional roof inspection to assess the full extent of the damage.
  4. Keep all receipts for temporary repairs or related expenses.
  5. Be present during the insurance adjuster's inspection to ensure all damage is noted.

Remember, you have the right to choose your own contractor for repairs. Don't feel pressured to use the insurance company's recommended provider if you're not comfortable with their choice.


Choosing the Right Roofing Partner

Selecting the right roofing company is crucial for ensuring quality repairs and a smooth insurance claim process. Local, veteran-owned companies often provide unique advantages, and taking advantage of free roof inspections can be incredibly beneficial.


Value of Local Veteran-Owned Companies

Choosing a local, veteran-owned roofing company offers several benefits:

  • Community Investment: These companies are deeply rooted in the community, ensuring they're committed to quality work and customer satisfaction.
  • Military Precision: Veteran-owned businesses often bring military-instilled values of discipline, attention to detail, and integrity to their work.
  • Local Expertise: They have intimate knowledge of Colorado's climate and building codes, ensuring your roof repairs meet all local requirements.

Moreover, by supporting veteran-owned businesses, you're contributing to the local economy and helping our nation's heroes transition successfully into civilian life.


Benefits of a Free Roof Inspection

Taking advantage of a free roof inspection offers numerous benefits:

  • Early Detection: Professional inspectors can identify damage that might not be visible to the untrained eye, potentially preventing costly repairs down the line.
  • Insurance Claim Support: A detailed inspection report can serve as valuable documentation when filing an insurance claim.
  • Peace of Mind: Whether damage is found or not, you'll have a clear understanding of your roof's condition.


Remember, a free inspection with Semper Fi Restoration comes with no obligation, allowing you to make informed decisions about your property without financial pressure.





We'd love to do a complimentary roofing assessment for you!

A logo for a company called semper fi restoration
By Josh Bosley June 7, 2025
Zippering is a hidden roofing threat caused by wind and weather. Learn how it starts, why it’s dangerous, and how Semper Fi Restoration can protect your home with a free roof inspection.
By Josh Bosley June 4, 2025
âš¡ The Truck’s Loud Because the Weather Isn’t Quiet Either
Girl walking into Colorado home
By Josh Bosley June 2, 2025
Your guide to hail damage siding repair: learn to identify impacts, assess severity, navigate insurance, and choose between DIY fixes or professional restoration.
Nail Pops: The Silent Roof Damage Threat Lakewood Homeowners Shouldn’t Ignore
By Elisa DeFoe June 1, 2025
Think Your Roof Is Fine? Think Again—Nail Pops May Say Otherwise.
By Josh Bosley May 28, 2025
Now That The Damage is Done...How to Handle Your Insurance Claim
By Elisa DeFoe May 14, 2025
Protect Your Home from Colorado’s Wild Weather with Expert Roofing Services
By Elisa DeFoe April 25, 2025
When it comes to flat or low-slope roofs, tar and gravel roofing—also known as built-up roofing (BUR)—has been around for over 100 years. But with so many newer materials on the market today, many Colorado property owners are wondering: Is tar and gravel roofing still a smart option for our unique climate? Let’s break it down. What is Tar and Gravel Roofing? Tar and gravel roofing is a type of built-up roofing system (BUR) that consists of multiple layers of asphalt-based tar (or bitumen), felt, and gravel. These layers are alternated and built up to create a strong, weather-resistant barrier that protects flat or low-slope roofs. At the top of the system, gravel or crushed stone is applied to protect the layers underneath from UV rays, fire, and impact damage—something especially important in hail-prone areas like northern Colorado. Pros of Tar and Gravel Roofing in Colorado Here’s why this old-school method still holds up in modern times—especially in places like Longmont, Thornton, Brighton, and across the Front Range . Durability BUR systems can last 20-30 years (sometimes more) when properly maintained. With multiple layers of waterproof material, it holds up well to foot traffic, heavy snow, and even hail. That’s a big plus here in Colorado. Excellent UV Protection The gravel top layer deflects harmful UV rays, helping keep buildings cooler during Colorado’s hot summers. That’s energy savings for homeowners and commercial properties alike. Affordable Material Costs Compared to newer membrane systems like TPO or EPDM, tar and gravel roofs often cost less up-front in materials—though installation can be labor-intensive. Built-In Redundancy If a section is compromised, the multiple layers offer extra protection, unlike single-ply membranes that rely on one barrier to hold strong. Cons of Tar and Gravel Roofing That said, tar and gravel isn’t perfect—and it may not be ideal for every structure or owner. Heavier Weight This system is heavy. Not all buildings are built to support that weight, especially older or unreinforced structures. An assessment is a must before installation. Tricky Repairs Because it’s a layered system, pinpointing leaks or trouble spots isn’t as easy as with membrane roofs. Repairs can take longer and cost more if water intrusion isn’t immediately caught. Not Ideal for DIYers Installation and repairs require professional equipment, experience, and hot tar , which is no joke. Always bring in a licensed roofing contractor for the job. Is Tar and Gravel Good for Colorado’s Climate? In short: yes, but it depends on the property. Colorado throws everything at our roofs—hail, snow, high winds, blazing sun, and even wild temperature swings (sunny mornings and freezing nights are totally normal here). A properly installed BUR system with gravel can handle most of that with ease. The gravel layer is especially helpful against: Hail damage – absorbs and deflects impact UV exposure – keeps heat out and protects layers underneath Fire resistance – some systems carry Class A fire ratings If you’ve got a flat-roofed commercial building, detached garage, or low-slope residential roof , tar and gravel may be a great long-term solution— as long as the roof structure can handle the weight . Alternatives Worth Considering While tar and gravel is a solid choice, newer options might make more sense depending on your needs. Modified Bitumen (Mod Bit) Roofing Popular for flat roofs in Colorado, Mod Bit offers similar layered protection but with easier repairs and lighter weight. TPO (Thermoplastic Polyolefin) TPO is a single-ply membrane that’s affordable, energy-efficient, and easy to install. It’s especially popular for commercial buildings. EPDM Rubber Roofing EPDM is another single-ply option known for its flexibility and hail resistance—good for Colorado’s freeze-thaw cycles. Tar and Gravel Roof Maintenance Tips If you already have a tar and gravel roof, here’s how to get the most life out of it: Inspect annually (or after any major hailstorm) Keep it clean – debris can trap moisture and lead to leaks Look for ponding water – standing water means drainage issues Top off gravel – over time, the top layer can thin out and expose tar Want peace of mind? We offer free roof inspections in northern Colorado . Just say the word and we’ll take a look—no pressure, no BS. Cost of Tar and Gravel Roofing in Colorado On average, tar and gravel roof installation costs between $4 to $7 per square foot in the Front Range area. Prices depend on: Roof size & accessibility Number of layers required Any tear-off or prep work needed Whether it’s a residential or commercial project At Semper Fi Restoration, we always offer transparent quotes and financing options , so you’re never left guessing. When Should You Replace a Tar and Gravel Roof? Keep an eye out for: Cracking or bubbling tar Large bald spots where gravel is missing Signs of water infiltration or interior stains Ponding water that doesn’t drain in 48 hours If your roof’s over 20 years old, it might be time to start planning . We’ll happily give you an honest opinion—whether it’s a quick repair or a full re-roofing solution. Final Thoughts: Is It Right for You? Tar and gravel roofing is still a viable, cost-effective, and weather-resistant choice—especially in Colorado’s challenging climate. While it’s not the trendiest option out there, it’s reliable, time-tested, and perfect for certain applications. Want to know if it’s right for your building? 📞 Call Semper Fi Restoration or 📅 Schedule a free roofing assessment today . We’ll walk you through all your options—tar, TPO, mod bit, and more—and help you make the call that makes the most sense for your roof and your budget. Bonus: Roofing with Integrity in Northern Colorado At Semper Fi Restoration, we’re proud to serve homeowners and businesses across: Brighton Thornton Longmont Broomfield North Denver suburbs and beyond With years of experience, veteran values, and a hail-smart approach to roofing , we’ll help you protect what matters most. 📩 Ready for a Free Roofing Estimate? Let’s get your roof dialed in before the next big storm rolls through. Contact us today for a no-obligation assessment!
Hail is falling on a roof in the rain.
By Josh Bosley April 25, 2025
Hail Damage in LaSalle, Colorado and what homeowners should do.
By Elisa DeFoe April 24, 2025
When it comes to roofing and restoration, insurance agents need partners they can count on. In an industry where timing, honesty, and customer care mean everything, working with a veteran-owned business isn’t just a feel-good decision—it’s a smart one. At Semper Fi Restoration, we bring the discipline, precision, and no-nonsense work ethic we learned in the Marine Corps into every job we take on. And insurance agents? They notice.
By Elisa DeFoe April 16, 2025
When it comes to protecting your home, nothing is more crucial than a robust and reliable roof. At Semper Fi Restoration , we take roofing to new heights by infusing every project with the precision and dedication of Marine Corps values. Our commitment to quality roofing services ensures that each shingle is laid with care, and every project is executed with unwavering integrity. Whether you're a homeowner looking to fortify your sanctuary or a property manager seeking seamless solutions, our team stands ready to deliver excellence and peace of mind. Join us on this journey to elevate your roofing experience, where trust and craftsmanship meet to safeguard your most valuable asset.
More Posts