Storms in Colorado and Idaho can roll in fast and leave behind serious damage—especially to your roof. High winds, hail, and heavy snow can tear off shingles, dent metal panels, or cause leaks that lead to interior damage. If your roof has been affected by a storm, filing an insurance claim might seem overwhelming—but it doesn’t have to be.
At Sweet Roofing, we’ve helped countless homeowners and business owners navigate the insurance process after storm damage. In this guide, we’ll walk you through the step-by-step process of filing a roof insurance claim, so you can protect your property and get the repairs you need—fast.
As soon as it’s safe, do a visual inspection of your property. Look for obvious signs of storm damage like:
Tip: Take clear photos of the damage from the ground and inside your home. Don’t attempt to get on the roof—leave that to professionals like Sweet Roofing who are trained and insured.
Before you contact your insurance company, it’s smart to have a reputable roofing contractor perform a full inspection. At Sweet Roofing, we offer free storm damage inspections across Colorado’s Front Range and Southeast Idaho. We’ll document everything we find and help you determine whether it makes sense to file a claim.
Why it matters: Insurance adjusters aren’t roofing experts—and sometimes, damage gets overlooked. Having a trusted roofer in your corner ensures nothing is missed and gives you the proof you need.
Once your roofer has confirmed damage, reach out to your insurance provider. You’ll typically need to:
Sweet Roofing Pro Tip: We can be on-site during your adjuster’s inspection to make sure all the damage is accurately noted and documented.
The insurance adjuster will inspect your property and prepare a report. This determines whether your claim is approved and how much the insurance company will pay.
Here’s where having Sweet Roofing by your side makes a big difference—we’ll walk the roof with the adjuster, point out key damage, and answer any technical questions. We’re not just contractors—we’re advocates for your home or business.
Once the insurance company provides a settlement estimate, review it carefully. If everything checks out, you’ll receive funds to begin repairs.
Sweet Roofing will work with you to:
Q: How long do I have to file a claim after storm damage?
Most policies give you up to 1 year, but it’s best to act quickly. Insurance companies may deny claims if damage appears to be from long-term wear.
Q: Will filing a claim raise my rates?
In many cases, storm damage is considered an “Act of God,” so your premiums may not increase. Check with your provider for specifics.
Q: What if my claim is denied?
We can help you appeal the decision or file a supplement if the adjuster missed any legitimate damage.
At Sweet Roofing, we’ve been helping homeowners and businesses in Colorado and Idaho for over 35 years. We know how to work with insurance companies, document storm damage thoroughly, and make the process as stress-free as possible.
Whether you need a small repair or full replacement, you can count on us to get the job done right—with honesty, quality materials, and clear communication every step of the way.
📍 Colorado: (970) 371-8975
📍 Idaho: (208) 556-3577
📍 Request your free storm damage inspection today.
We proudly serve:
Firestone, Boulder, Erie, Lyons, Frederick, Arvada, Longmont, Fort Lupton, Loveland, and Pocatello