Understanding Your Homeowner’s Insurance: What’s New in Colorado?
Spring weather has officially hit Colorado, with strong winds, rain, and yes—hail. That means it’s time to double check and make sure your home is ready for whatever Mother Nature is about to throw your way.
You might already be aware that hail damage is one of the most common causes of homeowner’s insurance claims in Colorado. But do you know how to reduce the risk of significant damage to your roof and your home? Taking these steps can help you know when to file a Colorado homeowner’s insurance claim—or prevent further damage after a significant storm.
Be prepared for anything.
Storms are unpredictable, and they often don’t leave much time for you to prepare before they hit. But with that said, being prepared for what to do after hail storms and other severe weather can help you with next steps that can prevent further damage.
Have a good idea of what’s going on with your house. Is the exterior of your home in good enough shape to protect you from strong hail storms? Is your attic properly ventilated? Have you had a seasonal roofing inspection performed?
If your answer to any of these questions is no, you’ll want to contact your local roofing company for assistance in repairing any damage before a weather event rolls in, and directly after a major storm. They can help by regularly inspecting your roof to assess any issues that may cause further damage, and work with you directly after a major weather event to have your home exterior inspected and have your entire exterior scope of work completed.
Do you know what to do after a significant weather event?
Coloradans experience frequent damage from hail and wind storms, so it’s essential to familiarize yourself with how to deal with storm damage.
What does your homeowner’s insurance policy cover?
If you haven’t taken a look at your homeowner’s insurance policy in a while, now is the time to do so. No one wants to file a homeowner’s insurance claim for hail damage. It can be a cumbersome process, and if you’re unfamiliar with your coverage, you may not get everything you need taken care of.
Due to the high likelihood of severe storms in this state, homeowner’s insurance in Colorado is often more expensive. You might not remember every significant hail storm that hit us in recent years, but you probably know when your insurance rates may have increased as a result.
Review your homeowner’s insurance policy to get a better sense of the protection level it provides. Not only is it good to be familiar with what’s in your policy, but you may be eligible for loyalty or other discounts that could save you money.
Watch out for roofing scams.
More and more scammers are preying on unassuming homeowners, especially after a significant storm. Unfortunately, Colorado is known for roofing scams directly after a hail storm.
Be aware of storm chasers and other roofing scams that may claim to have your best interest in mind. Know the red flags to look out for and what to do if you encounter a scam.
Contact a local, reputable roofer who will not pressure you and can explain and discuss any damage to your property.
Take care of yourself and your family first.
J&K Roofing can help you navigate the insurance process. As an experienced, professional full-service roofing company, we’ve worked with most insurance companies and will advocate for you to get the entire scope of work covered to improve your home’s roof and exterior. We are experienced in this process and can take the headaches out of coordination and documentation.
We’re here to help you, and our expert team will perform a professional roof inspection to make sure your home is in good shape and ready for upcoming storms.
Contact us today to set up your free inspection and have your questions answered—we’re ready to help!