In Colorado, hail is considered an "Act of Nature." State laws generally prohibit insurance companies from raising your individual rates based solely on a catastrophic weather claim. However, rates in a specific zip code may rise for everyone after a major storm, so filing your claim ensures you get the restoration you’re already paying for through your premiums.

Hail damage is often invisible from the ground. It takes a trained eye to spot "bruising" on shingles that leads to leaks months later. We provide Complimentary Professional Inspections using high-resolution imagery to document the impact. If there’s no damage, we’ll tell you. If there is, we’ll show you.

Call Mile High first. Most adjusters are busy and may overlook subtle structural damage. We prefer to be on-site when your adjuster arrives to ensure every dent, soft spot, and gutter ding is documented correctly the first time. This prevents the need for stressful "re-inspections."

In the Denver Metro area, we recommend UL 2218 Class 4 Impact-Resistant shingles. They are designed to withstand 2-inch hailstones without cracking.

• The Bonus: Most Colorado insurance providers offer a significant premium discount (often 15–25%) for homes with Class 4 roofs.

Absolutely. Insurance adjusters are human and can miss details. We specialize in Insurance Supplements—providing the technical evidence and local building code requirements (like Aurora or Denver specific codes) that the insurance company may have missed to ensure your roof is restored to the proper legal standard.

Most policies require you to file within 365 days of the "Date of Loss," but some are as short as 6 months. Waiting too long can lead to denied claims or interior water damage that isn't covered.