Storm Damage Restoration Guide

Denver's Front Range location makes it one of the most hail-prone areas in the country. Learn how to handle storm damage, file insurance claims, and protect your home.

Denver Storm Statistics

#1
Most Hail-Prone Metro in US
$2.3B+
Annual Hail Damage (Colorado)
7-9
Major Hail Events/Year
May-Aug
Peak Hail Season

Denver Storm Types

Hail Storms

High Risk

Season: May - August (peak)

Frequency: 7-9 significant storms/year

Common Damage:
  • Roof damage
  • Siding dents
  • Window cracks
  • Car damage
  • Gutter damage

High Wind Events

Moderate to High Risk

Season: Year-round (peak in spring)

Frequency: Frequent, especially along Front Range

Common Damage:
  • Lifted shingles
  • Fallen trees
  • Fence damage
  • Siding damage
  • Debris impact

Heavy Snow/Ice

Moderate Risk

Season: November - April

Frequency: Several per winter

Common Damage:
  • Ice dams
  • Roof collapse (flat roofs)
  • Gutter damage
  • Tree limb falls

Flash Flooding

Moderate to High Risk

Season: Summer monsoon season

Frequency: Occasional

Common Damage:
  • Basement flooding
  • Foundation damage
  • Landscape erosion
  • Window well flooding

Immediate Steps After Storm Damage

1

Ensure Safety

Don't enter if structural damage suspected. Watch for downed power lines and gas leaks.

2

Document Everything

Take extensive photos and videos of all damage before any cleanup or repairs.

3

Prevent Further Damage

Cover holes with tarps, board up windows. This is required by most insurance policies.

4

Contact Insurance

Report claim within 24-48 hours. Note claim number and adjuster contact info.

5

Get Professional Assessment

Have a licensed contractor inspect for hidden damage, especially for hail.

6

Keep All Receipts

Save receipts for emergency repairs, temporary housing, and related expenses.

Identifying Hail Damage

Roof Damage Signs

  • Dents or bruises in shingles
  • Missing granules (look in gutters)
  • Cracked or split shingles
  • Dents in metal flashing or vents
  • Damaged skylights

Exterior Damage Signs

  • Dented gutters and downspouts
  • Dents in siding (especially aluminum)
  • Chipped or cracked stucco
  • Damaged window screens
  • Dents in AC units

Other Damage Signs

  • Cracked or pitted windows
  • Damaged outdoor furniture
  • Dented mailbox
  • Damaged fence caps
  • Car damage (indicator of storm severity)

Insurance Claim Tips

File claim promptly - most policies require notification within specific timeframe
Don't sign contracts with storm chasers who appear immediately after storms
Get multiple estimates from reputable local contractors
Understand your deductible - many Denver policies have separate wind/hail deductibles
Don't accept first settlement if it seems low - you can negotiate
Consider hiring a public adjuster for large claims
Document all communication with insurance company
Know the difference between ACV and replacement cost coverage
Keep copies of all repair estimates and invoices
Don't make permanent repairs until adjuster inspects (temporary repairs OK)

Protect Your Home

Learn about impact-resistant roofing and other protective measures.

Roofing MaterialsAll Restoration Services