How to Know if Storm Damage is Enough to File an Insurance Claim

Severe weather in the Denver and Fort Collins area, including wind storms, rain, and snow, can cause damage to your roof. It’s important to repair storm damage as soon as possible to prevent additional damage, but should you file a homeowners insurance claim first? Knowing whether or not you should go through the steps to file a storm damage insurance claim can be tough to determine on your own. The following guide can help determine what to do if your roof is damaged after a storm.

How to Check for Damage After a Storm

How do you know if your roof has damage when severe weather passes through the area? You might see signs of roof damage on the ground near your home, such as shingles that have fallen off or granules near downspouts. You can also look at your roof from the ground to see if you spot any damaged areas. Look for gaps where shingles have gone missing, and keep an eye out for shingles that appear loose or cracked.

Roof Storm DamageLook for signs of storm damage inside your home as well. If you have a roof leak after storms, you might see water stains or spots on ceilings or in your attic. You might also see water dripping into your attic from your roof if storms left gaps for water to get through.

Other signs of damage to look for include dents on your roof from hail and problems with your gutters. Storms might tear your gutters from your roof or leave them dented. Remember that you should check for all of these exterior signs from the ground.

When to File a Storm Damage Insurance Claim

How can you tell if it’s time to file an insurance claim? Keep in mind that many homeowners insurance policies cover roof damage caused by storms or natural disasters. Depending on your policy, this might help cover some or all of the cost of having your roof repaired.


What if storm damage is one missing shingle or another minor repair? Having significant damage can make it easier to tell if you should file a claim. If you only have minor damage, you might not be sure about whether or not to start the claim process.


Remember that the damage you see from the ground might not tell you much about your roof’s condition. After severe weather, you should have a professional roofer inspect your roof. Your roofer can evaluate your roof’s condition and determine its necessary repairs. For example, your roof might have underlying damage that’s hard to spot from the ground.


Once you have the results of your roof inspection, you’ll need to decide if you should file a homeowners insurance claim. Determining this yourself can be difficult, so getting help from professional roofers is best.

Get Help with Storm Damage Insurance Claims

Red Diamond Roofing can help you decide if storm damage to your roof warrants an insurance claim. Our roofing team can inspect your roof after a storm hits and assess its severity and type of damage. We can then recommend repairs and help you figure out your next steps.

If you ultimately decide to file a claim, our expert roofing professionals can assist you. Your insurance company will likely have an agent or adjustor assess your roof damage. They’ll use this information to determine whether to approve or deny your claim. We’ll work with your insurance company to ensure your case is fairly handled. We can let your insurance company know the cause of roof damage, its severity, and the repairs that need to be done. We might even recommend a roof replacement if the damage is severe enough.

Insurance Claim Form

At Red Diamond Roofing, we maintain relationships with major insurance carriers. We also understand how the insurance claim process works for homeowners with roof damage. Our experience helps ensure that you are treated fairly when filing a claim. We can also review outstanding insurance claims from previous storms to see if you’re eligible for additional compensation.

High-Quality Roofing Services in Denver and Fort Collins

No matter what kind of storm damage your roof has, Red Diamond Roofing can make timely repairs. We know how urgent it is to have your roof back in good condition before the next storm hits. Don’t hesitate to call us and have us assess your roof for storm damage and make repairs as needed.


If your roof has storm damage, please contact Red Diamond Roofing to speak with our experts. You can depend on us for prompt roof inspections after storms, help with your insurance claim, and quality repair services.


Posted in Storm Damage
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