Storm and Hail Damage in Centennial, CO
What the storm did to your house, photographed and measured, then written up so your insurance company can read it. What is worth photographing yourself, and what an adjuster's scope tends to leave out here.
How Hail Shows Up in Centennial
On residential roofs we're GAF Master Elite certified. Licensed and insured, with background checks on everyone who enters your home. That's what allows GAF's enhanced warranties, the Golden Pledge among them, to be offered on qualifying roof systems.
Centennial is a commuter city. A lot of the houses here are empty between eight in the morning and six at night. Hail here is largely a summer afternoon event. So for most people the storm is something they missed. The first evidence of it is whatever they see when they pull into the driveway.
That evidence is usually not the roof. It's the car. Then the window screens, the gutters, the paint on the south and west walls. The fins on the air conditioner, the plants stripped down to stems. Soft metal and thin plastic dent before shingles show anything at all. That's why we cover the whole outside of the house instead of just the roof.
Centennial's Rules and the Insurance Scope
An adjuster's scope is written to a general standard, and this is the part of a Centennial claim that goes wrong quietly.
Two things get missed most. The ice and water barrier that belongs on an estimate here and isn't on every estimate elsewhere, and the fact that the old roof always comes off rather than being covered over. If either one is missing from the scope you were sent, that number is pricing a roof nobody can actually build here.
That gap is what supplementing is for. We write the estimate in the format your carrier reads. We also do the estimating and the supplementing in house, rather than passing them to a third party. So when a line is missing, we can make the case with the photographs and measurements we already have.
We also meet your adjuster on the roof. Two people looking at the same slope at the same time settles more than two documents disagreeing by email afterward.
One thing to expect on the money: it usually arrives in pieces. There's an initial payment, then depreciation held back and released once the finished work is documented to the carrier. That closeout paperwork is part of the job here rather than something left with you.
Nearby Service Areas
The same cells cross the whole south metro. These are the closest cities we work.
What We Do and What You Do
Up on the roof we're looking for bruising. That's granule loss with a soft spot underneath, where the mat has fractured. It doesn't look like much, and it doesn't leak yet. It photographs clearly from a couple of feet away, but not at all from the ground. We walk and photograph every slope that can be safely walked. We also pull verified hail data for your address, not just the city. That way, whether hail actually fell where you live stops being a matter of opinion. And we size the roof with aerial measurements. That gives the real area of each slope, rather than an estimate of it.
There's a real job for you in this and it's all at ground level. Photograph what you can reach and see safely. Dents in the gutters and downspouts. Torn screens. Chipped or pitted paint. Marks on the siding. The air conditioner fins. The car, if it took the same storm. Date the photographs. Taken in the week of the storm, those pictures are genuinely useful evidence later. They establish that something happened on a particular day.
Then leave the roof alone. Two reasons, and neither of them is a liability line. A hail-struck roof is loose underfoot and people get badly hurt falling off them. And walking a bruised roof adds marks of its own. An adjuster can read those marks as mechanical damage instead of storm damage. That's one of the ways a legitimate claim gets denied.
Doorbells start up and down Centennial streets after a storm. If someone's on your step, here's what's useful to know. Nobody in Colorado may pay, waive or rebate your deductible, and nothing has to be signed that day.
One last thing worth knowing: no leak does not mean no damage. Hail can knock the granules off and fracture the mat underneath. It can produce nothing inside the house for a season or more. By the time it leaks, the reporting window on that storm may have closed.
What Centennial 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 in Centennial FAQs
There's no leak. Does that mean the roof is fine?
No, and this is the expensive assumption in this category. Hail fractures the shingle mat and strips granules without opening a hole. Water can be a season away. The damage is there the whole time and the clock on reporting it is running.
Does hail mean the whole roof has to be replaced?
Often, because hail hits every slope at once rather than picking one. There's a second reason here too. Past a certain amount of damage it stops counting as a repair at all, which is why the damaged area gets measured rather than eyeballed.
What's the difference between cosmetic and functional hail damage?
Cosmetic is a mark on something that still does its job. Functional is damage that shortens the life of the roof or lets water in. Claims are decided on the functional kind, and a lot of policies exclude the cosmetic kind by name. It's the reason a roof can look battered and still be argued over. That's also why the photographs matter more than the description.
Can I finance the part insurance doesn't cover?
Financing is available through Hearth. Your deductible is still yours to pay, and that part isn't something any contractor can absorb.
Have the Storm Damage Documented
Send us the address, and tell us what you noticed after the storm, even if it was just the car. We'll get on the roof, photograph every slope, and put it in writing your insurer can work from. The inspection and the estimate are both free. We take calls seven days a week, 9am to 5pm.