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Key Takeaways
- In Colorado, homeowner’s insurance usually covers roof damage from perils like hail and wind, but older roofs may have depreciated value.
- Colorado’s extreme weather—heavy snowfall, rapid temperature shifts, and intense UV radiation—wears out roofs fast, which can influence both damage frequency and insurance claims assessments.
- Replacing a 20-year-old roof with insurance in Colorado may require out-of-pocket costs due to depreciation, but understanding your policy and working with an expert can help minimize expenses.
- Apex Restoration & Roofing specializes in roof inspections, storm damage restoration, and managing insurance claims.
Roof Insurance in Colorado: An Overview
In Colorado, homeowner’s insurance policies usually cover roof damage caused by specific perils—like hail, windstorms, and falling debris. However, the age and condition of the roof can significantly influence coverage. Insurance companies often apply depreciation to older roofs, meaning they may cover the current value rather than the replacement cost. This can result in lower compensation for repairs or replacement.
| Apex Restoration & Roofing: Your Roofing Specialists in Colorado Located in Englewood, Colorado, Apex Restoration & Roofing offers expert residential and commercial roofing services. With over 27 years of experience, we specialize in roof replacements, repairs, and storm damage restoration, using only the highest quality materials. Our A+ BBB rating and a 5-star rating on Google from satisfied customers ensure your project meets the highest standards of quality and satisfaction. See the Apex difference today! |
How Colorado’s Climate Affects Roof Coverage
Colorado’s climate makes roofing a bit of a challenge. The state gets heavy snowfall, rapid melt-offs, and intense UV radiation due to its high altitude. These factors can speed up roof deterioration, which leads to more frequent damage and influences insurance assessments.
Colorado ranks second in the U.S. for hail-related insurance claims, making hail damage a big concern for homeowners.
How to Manage Insurance Claims for a 20-Year-Old Roof
- Prompt Inspection: After a storm or severe weather, check your roof for visible damage. Look for missing shingles, dents, or leaks.
- Document Damage: Take clear photos of any damage to provide proof for your insurance claim.
- Consult a Professional: Get a licensed roofing contractor – like Apex – to assess the damage. Their expertise can help identify issues that may not be immediately visible.
- Review Your Policy: Understand your insurance policy, including coverage limits, deductibles, and any exclusions related to roof age.
- File a Claim: Contact your insurance provider to start the claims process. Provide all necessary documentation and cooperate with any inspections they require.
- Get Estimates: Get written estimates from roofing contractors for repairs or replacement.
- Negotiate & Settle: Work with your insurance adjuster to come to a fair settlement based on the damage assessment and estimates provided.
Can You Replace a 20-Year-Old Roof With Insurance in Colorado?
Replacing a 20-year-old roof with insurance in Colorado is possible but may involve additional costs. Insurance policies often reduce the value of older roofs, which can result in lower compensation for replacement. Homeowners may also have to cover the gap between the insurance payout and the actual replacement cost. As such, it’s important to look over your policy and talk to a roofing expert to understand your options.
Protect Your Roof, Protect Your Home
At Apex, we suggest scheduling an inspection to catch any signs of damage early, especially after severe storms or drastic temperature changes.
“I worked with Jacob of Apex Roofing, and I could not have had a better experience. Our roof was destroyed in last year’s hail storm, and the insurance company was fighting us on repair vs. replacement. Jacob did all the negotiating with the insurance company and got us a new tile roof. Not only did he do all the work, but he saved us 1000’s of dollars as well. I couldn’t be happier with the work they did and with the way Jacob handles our contract.” – Matt S.
Our licensed and bonded roofing pros are here to provide thorough inspections, ensuring your roof is up to the task of protecting your home year-round. We’ll also review your insurance coverage with you to make sure you’re fully informed about your options.
Don’t wait until it’s too late – contact us today to schedule a roof inspection and keep your home safe for the future.
Frequently Asked Questions (FAQ)
Does homeowners insurance cover a 20-year-old roof in Colorado?
Homeowners insurance in Colorado usually covers roof damage from certain perils like hail, windstorms, and falling debris. But for a 20-year-old roof, insurance companies often apply depreciation, resulting in lower compensation for repairs or replacements.
Contact Apex today to schedule a roof inspection and discuss your options!
How does Colorado’s climate affect roof insurance coverage?
Colorado’s extreme climate can make roofs deteriorate faster, which leads to more damage and affects how insurance claims are assessed. Additionally, Colorado is one of the leading states in hail-related insurance claims, so hail damage is a big concern for homeowners.
Can I replace my 20-year-old roof with insurance coverage in Colorado?
Yes, it is possible to replace a 20-year-old roof using insurance coverage in Colorado, but you may need to cover additional costs. Insurance companies often reduce the value of older roofs, so the compensation provided may be lower than the full replacement cost.
