Storm and Hail Damage Roof Repair in Colorado
Hail, wind and storm damage on houses across the Greater Denver Area, including the insurance claim behind it. We look at the whole outside of the house and tell you what the storm actually did. Then we'll say whether it's worth filing on.
Who You Are Dealing With
We are on the roof while your claim is being decided, rather than reading the outcome afterwards. We use verified hail data to check what hit an address and when, and aerial measurements to size the roof. The estimate goes out in the same format your insurance company uses. The gutters, screens, siding and paint go into the claim alongside the roof, not noticed six weeks later.
We background check everyone before they ever step into your home. We carry general liability and workers compensation insurance, so that risk sits with us rather than with you. Some of our salespeople speak Spanish if that makes things easier. On residential work, we hold GAF Master Elite certification. That's what makes GAF's extended warranty and its other enhanced warranties available, Golden Pledge included, on qualifying roof systems. It matters here because a storm job sometimes ends in a whole new roof. About twenty years of hands-on roofing experience sits behind our work. On a hail claim, that experience tells a bruise from a blemish while the adjuster's standing next to you. Having us look at the roof and price the work costs nothing.
How a Hail Claim Actually Gets Paid
An adjuster is deciding one thing: is this damage functional, and how much of the roof does it affect. They usually chalk out a square or rectangle of a set size on each slope, then count the hits inside it against a threshold their carrier sets. The storm came from one direction, so one slope can pass while another fails. That is why we meet the adjuster on the roof. The roof is where the claim gets decided, and being there while it happens changes outcomes more than anything argued afterwards.
Your policy then pays one of two ways. Either what it costs to replace the roof today, or what the old one was worth after years of wear. That difference moves the final number in your file more than anything else. The money arrives in pieces rather than in one check, and the first scope back from the insurance company is a starting point rather than a final number. When it leaves something out, we document that and go back for it, which is routine rather than a dispute. A contractor cannot pay, waive or rebate your deductible in Colorado, and anyone offering to is offering to break the law using your claim. How a claim gets scoped, supplemented and paid out is worth understanding before you sign anything, and so is what has to be in a roofing contract.
Storm Damage Work by City
We handle storm and hail damage across the Greater Denver Area.
Where Hail Damage Shows Up First
After a storm, what you notice is at eye level. Dents on the car, dinged gutters, torn window screens. Chipped paint, shredded plants, a beaten-up air conditioning unit. People treat all of that as side damage. It is actually the evidence. A hail loss usually includes the gutters, screens, siding and paint as well as the roof, so a roof-only look under-scopes the claim and the parts nobody looked at do not get paid for. Roof vents take hail the same way the gutters and the screens do. A crushed vent cap or a turbine knocked out of true is a real line item. It gets missed when somebody only counts hits on the shingles.
The Greater Denver Area sits in one of the most hail-prone stretches of the country. That comes from the state's own emergency management people, not from us. The damaging season runs from the middle of spring to the middle of September, and we work here through the whole of it.
Storms here do three or four different things to a roof, and they do not look alike.
- Hail damage. Bruising that knocks the granules loose and fractures the mat underneath, without breaking the shingle anywhere you can see. Usually a whole-roof condition, because it hits every slope at once.
- Wind damage. Shingles lifted, creased, torn or gone, and metal displaced. Often no hole, and often no leak until much later.
- Snow, ice and melt damage. Water backing up at the eaves during a thaw, then appearing inside weeks after the weather that caused it.
- Everything hail hits on the way past. Gutters, downspouts, screens, siding, paint and rooftop equipment, which usually belong on the same claim as the roof.
Ice dams get blamed on the weather, and the weather is only half of it. Snow melts on a roof because the attic underneath it is warm. That water runs down to the cold eave, refreezes there, and the next round of melt backs up under the shingles. An attic with proper airflow stays close to the outside temperature. That's part of why two houses on the same street come out of the same storm looking very different.
If the storm left the roof open and water is coming in, get that looked at right away instead of waiting for a scheduled visit. At the other end of the scale, one creased row after a windy night is a repair, not a claim.
There is no single hail size that decides whether damage counts. Size, wind speed, the angle it came in at, and how old the roof already was all move the answer, and small hail driven hard onto an old roof can do more than large hail on a new one. A dent in a gutter or a mark on a vent cap can be cosmetic, meaning it looks bad and the part still does its job. Functional damage is a hit that has shortened the life of the roof. Many policies exclude cosmetic damage outright, and that one distinction decides more Colorado hail claims than anything else. A roof that isn't leaking still isn't proof, because hail can fracture the mat and leave you completely dry for a season or longer. The leak often shows up after the window to report it has closed.
Related Roofing Services
Roof Replacement
When hail damage is bad enough, the roof comes off completely and a new one takes its place. That's where most hail claims land.Learn moreRoof Repair
For a single leak, one damaged slope, or a few wind-torn shingles, when the rest of the roof holds up.Learn moreRoof Inspection
No cost to have us get up there, photograph the whole exterior, and tell you exactly what's going on.Learn moreEmergency Roof Repair
If water's actively getting in, or the roof's been torn open with more weather on the way, this can't wait.Learn moreResidential Roofing
Every roofing job we take on a house, storm work and everyday repairs alike.Learn more
What Our Customers Say
Adam Mayka
Josh with Semper Fi came to look at my roof after the most recent hail storm and couldn’t have been nicer. He was honest, thorough, and explained everything about the inspection process in great detail. His attention to detail and communication made it a very comfortable experience. Albeit we don’t need a new roof, when that time does come I will be using Semper Fi and I will recommend them to all of my friends and neighbors
Todd Reynolds
Was very responsive. I was able to get what was needed in regards to our roof inspections on three houses quickly. And worked with our insurance agent getting the right information needed for our insurance needs. If you’re looking for someone that knows roofs and you need inspections or confirmations regarding your roof. Highly would recommend recommend this company
Zilvinas Sutkus
We had Semper Fi Restoration Inc. complete the roof on our 10,000 sq. ft. commercial building, and we had a great experience from start to finish. We had the opportunity to meet Joshua Bosley and worked mainly with Leo, our project manager. Leo’s communication throughout the entire project was top-notch. As with any large commercial roofing project, we ran into a few unexpected snags along the way, but the Semper Fi team stepped up and took care of every issue with no questions asked. They stood behind their work, kept us informed, and made sure everything was handled properly. It’s refreshing to work with a company that takes responsibility and follows through on what they promise. We are very happy with the finished roof and would definitely recommend Semper Fi Restoration Inc. to anyone looking for a dependable and professional roofing company. Thank you to Joshua, Leo, and the entire Semper Fi team for a job well done!
Michael Molina
There are a lot of Roofing Contractors out there so when I was referred Josh and his team by a close friend I knew there must be something different about them. From the first meeting with Josh and Daniel I felt comfortable and at ease. I had a lot of questions and they answered them without hesitation and in extreme detail which I appreciated. They helped me through the entire insurance journey and made sure I was covered before any work was done which helped lift that burden off my shoulders. Also, you will not find a Owner as diligent as Josh when it comes to QA/QC of the work done by his crews making sure the roof/gutters you get are up to HIS standards. I appreciate Josh and Daniel for getting the work done and definitely exceeded all my expectations. I don't usually write reviews but their work deserves some praise, I will definitely be referring them anytime I hear anyone I know is even thinking of getting or needing a new roof.
Larry Walters
We had a great experience working with Joshua Bosley and Semper Fi Restoration after our home suffered large hail damage. They are honest, trustworthy, professional and knowledgeable. They held subcontractors to their high standards. This has been the best experience we have ever had with a roof replacement and other hail damage repairs. Working with Josh, Kat, and the team was a pleasure. We highly recommend Semper Fi to others! Larry and Darlene W.
Zachary Koch
I wanted to take a moment to leave a review for Josh and his team at Semper Fi Restoration. Josh came out the same day we called to provide an estimate and inspect our roof, and a member of his team completed the repairs first thing the very next morning. We truly appreciated the quick turnaround, excellent customer service, and quality workmanship in repairing the damage to our roof. The entire process was smooth, professional, and stress-free. I highly recommend Semper Fi Restoration to anyone looking for a reliable and responsive roofing company!
Lisa Smith
When my insurance refused to pay for my hail damaged roof, Semper Fi worked with my insurance to successfully get them to pay. They helped me with the entire process and communicated well. They were always available if I had questions. Their crew did a good job. They cleaned up after themselves. I highly recommend this company.
Aubrey Monckton
I had a fantastic experience with Leo at Semper Fi Restoration Inc. He recently completed some roof repairs for me, and I couldn’t be happier with the results. Leo was professional, honest, responsive, and clearly takes pride in his work. He explained everything thoroughly, showed up on time, and made the entire process smooth and stress-free. The quality of the repairs was excellent, and it’s clear he genuinely cares about doing the job right. It’s hard to find contractors you can truly trust, but Leo absolutely earned my confidence. I highly recommend Leo and Semper Fi Restoration Inc. to anyone needing roofing work or repairs. Outstanding service from start to finish!
Michael Kerr
Josh Bosley and Semper Fi Restoration recently completed hail damage work on our residence. Josh handled EVERYTHING with our insurance company. The work was completed on time, as promised. Clean-up was great. Josh came back and guaranteed we were happy with everything - including fixing two small areas that we felt needed additional work. He ensured we were 100% happy prior to moving on. He was a great communicator, very patient with us, and made us extremely happy that we chose him and Semper Fi. I rarely leave reviews - but would highly recommend him. Final note, our insurance agent recommended him to us and he was as great as advertised.
Sharine Webber
Semper Fi Restoration recently completed installing a new roof and we are so impressed with the service from start to finish. Leo Jett thoroughly explained the whole process and answered all of our questions. He was a huge help with the insurance claims and demonstrated a sincere desire to make sure everything was done professionally and to the highest standards. The crew were hard workers and also demonstrated the same commitment to completing the job right. Leo always followed up with us and made sure we didn't have any concerns or questions. We highly recommend Semper Fi Restoration!!
Jeff Cisneros
Josh is absolutely amazing, his service and follow-up is thr best I have ever experienced. The thing that really impressed me was his honesty after inspection, he shared that I didn't need a new roof. There are very few companies with that level of honesty. He has earned a customer for life.
Judy B
Leo Jett was fabulous! He walked me through every step of the process and made this a great experience. His customer service was more than I could have hoped for. After spending 25 years in the HOA business, Semper Fi would be a contractor I would recommend to anyone needing a new roof.
sukhvir singh
Outstanding service from start to finish. Semper Fi Restoration Inc exceeded all expectations with their roofing work. Their professionalism, expertise, and attention to detail were second to none. The team was reliable, efficient, and truly cared about delivering top-quality results. I have nothing but respect for this company and highly recommend them to anyone needing roofing services. Thank you, Semper Fi, for an exceptional experience.
Matt
We worked with Josh and his crew to get our badly damaged roof repaired. Josh had no hesitation to get over as soon as he could walk the roof spent hours doing his inspection to make sure everything was covered not one thing was left out. He was very thorough. I am a person that wants to understand everything and he had no hesitation to explain and walk me through every process. I highly recommend Semper Fi Restoration. They are honest and will get the job done right
Storm and Hail Damage Frequently Asked Questions
Does insurance cover hail damage to a roof?
Usually yes, if the damage is functional and the loss comes to more than your deductible. Many Colorado policies size the wind and hail deductible off your home's insured value instead of a flat number. It often ends up bigger than homeowners expect. The exception that catches people is the cosmetic damage exclusion, which some policies carry and some don't. What yours says decides the outcome no matter how the roof looks.
How long after a storm can I claim roof damage?
Your policy sets the deadline, commonly one to two years and sometimes shorter for wind and hail. It isn't a state rule, so read your own paperwork. Waiting has a second cost. The most common denial language is that the damage doesn't look new. Old photographs can't answer that.
Do roof warranties cover hail damage?
Generally no. A manufacturer warranty covers how the shingle was made and how it performs. Not something falling out of the sky and hitting it. Hail is what your homeowners insurance exists to handle. Worth knowing before you spend time chasing the wrong document.
Will my insurance go up if I file?
It depends on your carrier and on the kind of loss, and there's no honest general answer either way. The person to ask is your own agent, and the time to ask is before you file rather than after. It's a reasonable question and they will answer it.
Does having somebody look at it start a claim?
No. An inspection isn't a claim, and nothing gets filed on your behalf. It's free as well, so there's nothing riding on it either way. Nothing starts until you decide to start it, and you can look at the photographs first and decide afterwards.
Someone knocked on my door after the storm. Should I sign with them?
Not that day. Colorado's emergency management agency warns about out-of-town roofers who move in after a storm. The state insurance regulator advises care with anyone who turns up unannounced. It also suggests working with Colorado-based contractors. Check the address, check that they will still be findable in a year, and take the time to compare.
Have the Storm Damage Looked At
We'll look at the whole outside of the house and photograph what the storm did. Then we'll tell you straight whether it's worth filing. The visit and the estimate are free.