If your roof in Denver has been damaged, your first thought is probably, “Will my homeowner’s insurance cover this?” The answer depends on the type of damage, your policy details, and the age of your roof. Understanding what’s covered (and what’s not) can help you act fast, avoid unexpected costs, and partner with the right local roof repair contractor.
What Kinds of Roof Damage Are Covered by Insurance?
In Colorado, insurance generally covers sudden and accidental damage caused by specific “covered perils.” These include:
Hail Damage
Denver frequently experiences hailstorms that bruise asphalt shingles, dent metal roofs, or crack tiles. This is one of the most commonly approved insurance claims in the region.
Wind Damage
High winds can lift, tear, or remove shingles and ridge caps, especially on older or poorly installed roofs. If wind speeds in your area exceed your policy’s coverage threshold, your claim may be approved.
Falling Debris or Trees
If a branch or entire tree damages your roof during a storm, insurance typically covers both roof repairs and cleanup.
Fire or Lightning Damage
From house fires to wildfires, insurance often covers fire-related roof repairs or full roof replacement when structural integrity is compromised.
Water Leaks (from a covered event)
Insurance may cover water intrusion if it’s directly caused by a covered peril, like a wind-damaged flashing or hail-damaged shingle that caused a leak.
What Isn’t Covered by Most Insurance Policies?
Not all roof damage qualifies for coverage. Here’s what is typically excluded:
Wear and Tear
Roofs naturally degrade over time. If your roof is 20+ years old, insurance providers may only pay actual cash value or deny the claim entirely.
Lack of Maintenance
Neglecting to fix small issues, such as a loose shingle or minor leak, can lead to bigger problems. If the insurance company sees that the damage was preventable, they may deny the claim.
Animal Damage
Damage caused by birds, squirrels, raccoons, or insects (like wasps nesting near flashing) is usually not covered under standard homeowner policies.
Flooding and Earthquakes
Flood-related roof issues require flood insurance, while earthquake-related damage requires a separate earthquake policy — neither are included in typical home insurance in Colorado.
Insurance and Roof Age: Why It Matters
In Denver, many insurers begin limiting or denying full roof coverage once a roof passes 15–20 years in age. Some policies shift from replacement cost coverage to depreciated value, significantly lowering your payout. That’s why it’s essential to:
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Schedule regular inspections
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Maintain detailed roof repair records
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Work with a trusted roofing contractor in Denver who can assist with insurance claims
How Bear Brothers Roofing Supports Your Roof Insurance Claim
As your go-to for roof repair near me in Denver, CO, we don’t just fix your roof — we help navigate the insurance process. Here’s how:
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We perform free roof inspections to identify storm-related damage.
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Our team provides detailed photo documentation for adjusters.
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We communicate directly with your insurance company to support your claim.
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We offer honest estimates for both repairs and replacements.
When you choose Bear Brothers Roofing, you’re not just hiring a roofer — you’re partnering with a team that understands the local codes, insurance processes, and Denver’s unique weather patterns.
Frequently Asked Questions
1. How do I know if my roof damage is covered by insurance?
If the damage was sudden and caused by a covered event like hail, wind, or fire, it’s likely covered. Always review your policy or contact your provider.
2. Will my claim be denied if my roof is old?
Possibly. Insurance companies often prorate or deny claims for roofs that are over 15–20 years old, depending on your policy terms.
3. Should I file a claim for minor damage?
It depends. We recommend scheduling a free inspection first. If the cost of repair is close to your deductible, it may not be worth filing a claim.
4. Can Bear Brothers Roofing help with my insurance paperwork?
Yes. We help homeowners through every step of the process, from inspection to documentation to direct communication with your insurer.
5. Does insurance cover emergency roof tarping or temporary repairs?
If the emergency measure was necessary to prevent further damage from a covered event, it is often reimbursed by your insurance company.
6. What should I do if a storm just hit my neighborhood?
Call Bear Brothers Roofing right away for a free roof inspection. We’ll check for hail damage, lifted shingles, flashing issues, and leaks — and help you determine if you should file a claim.
Need Roof Repair in Denver? Start with a Free Inspection.
If your roof has been damaged by wind, hail, or another sudden event, don’t wait. As a trusted provider of local roof repair in Denver, CO, Bear Brothers Roofing is ready to help you restore your roof and maximize your insurance coverage.
Call Bear Brothers Roofing today at (303) 422-2725 or click below to request your free roof inspection.
