Most Colorado roofs are covered.
You just don't know it yet.

The insurance process, plainly.

1. You contact your insurance company and report potential storm damage to your roof.
2. An adjuster comes out to inspect. Their job is to write the scope of damage. Their other job is to minimize the payout, so they're not on your side.
3. The adjuster issues a scope, a list of what they'll cover and what they'll pay.
4. A contractor reviews the scope and negotiates what's missing. This is where most homeowners get shortchanged. The scope often misses things a roofer would catch.
5. Insurance pays out (often in two checks, before and after the work) and the job begins.

Where Janelle comes in.

With your permission, Janelle talks to your adjuster directly. She's done it as a realtor for years, and she knows what the insurance company is looking for, what they're likely to push back on, and what you're entitled to under Colorado law.

You don't have to be the messenger between the contractor and the insurance company. You don't have to learn the lingo. You just have to forward the email and copy Janelle on the call.

The shingle upgrade most people miss.

Many Colorado insurers will now cover an upgrade to impact-resistant Class 4 shingles — because a tougher roof means fewer future claims for them. Most homeowners never ask, and the adjuster won't volunteer it.

Always ask: "Will you cover a Class 4 impact-resistant upgrade, and does it change my premium?" Say yes to both and you get a better roof and a lower bill.

If you're calling your insurance, call me first. A 15-minute conversation can change the whole conversation you're about to have with your adjuster.

Why timing matters.

Don't sit on storm damage. Two reasons: once a roof is compromised, further damage that happens while it sits unaddressed can be treated as negligence and denied. And the longer you wait, the easier it is for an insurer to argue the damage is just normal wear and tear — the roof aging out of its lifespan — rather than storm damage. Filing windows also vary by insurer and some are short. Calling early protects the claim on every front.

Colorado-specific things to know.

• The clock is ticking. Colorado law allows up to 2 years from the date of the storm to file — but many insurers set their own shorter deadlines, and some are far less. Don't assume you have time; call right away.
• You can choose your own contractor. Your insurance company may suggest a "preferred" contractor; you are not obligated to use them.
• Code upgrades may be covered. If your current roof was installed before code changes, the insurer may have to pay to bring the new roof up to current code.
• Your deductible is your portion. Aside from your deductible, an approved claim should cover the replacement.