Colorado law gives homeowners a limited window to file a storm damage claim, and missing it can mean paying for a new roof entirely out of pocket. Here is what every Colorado Springs homeowner needs to know.
Colorado's Two-Year Statute
Under Colorado law, homeowners generally have two years from the date of a storm to file a property insurance claim for hail or wind damage. After that window closes, your insurer can deny the claim outright, leaving you responsible for the full cost of repairs or replacement.
Why Damage Is Easy to Miss
Hail rarely leaves obvious holes. Instead it bruises shingles, fractures the mat beneath the surface, and knocks away the protective granules that shield your roof from UV and water. These problems are invisible from the ground and often go unnoticed until leaks appear, sometimes long after the claim deadline has passed.
Document the Storm Early
The single best protection is a professional inspection soon after any significant storm. Fixins documents every affected element to adjuster standards, creating a dated record that supports your claim even if you decide to file later. A free inspection now can preserve thousands of dollars in coverage.
How Fixins Helps
As a licensed General Contractor, Fixins manages the entire claim, documenting roof, siding, gutters, and interior damage under a single storm event. We work directly with your adjuster to ensure the full scope of legitimate damage is recognized before your window closes.