Colorado hail damage, roof claims, and roofer rules (2026)
Last updated . General information, not legal or insurance advice.
Hail is a fact of life for Colorado roofs. Here's what the 2026 storm data shows near our service cities, and the Colorado rules that protect homeowners who hire a roofer after a storm.
2026 hail near Colorado cities
NOAA SPC preliminary reports, March 1 – November 3, 2026:[1]
- Colorado Springs: 44 reports of 1"+ hail within 50 mi (largest 2.75")
- Denver: 50 reports of 1"+ hail within 50 mi (largest 2.00")
- Fort Collins: 18 reports of 1"+ hail within 50 mi (largest 1.75")
- Greeley: 37 reports of 1"+ hail within 50 mi (largest 3.00")
You can cancel if the insurer denies the claim
If a roofing job will be paid from an insurance claim, a Colorado homeowner may rescind the written roofing contract within 72 hours of receiving written notice that the claim was denied in whole or in part. The contractor must return deposits within 10 days, minus work actually performed. [2]
Deductible waivers are illegal
A Colorado roofing contractor may not advertise or promise to pay, waive, or rebate any part of your insurance deductible, and may not act as a public adjuster. [3]
Contractor licensing in Colorado: Colorado has no statewide roofing contractor license. Local licenses or registrations apply where required. Contractor licensing details.
Before you sign anything
Get the license or registration number and proof of insurance. Get a written estimate and contract, and never sign over an insurance check.[4] Your insurer decides what's covered. A contractor can't promise it.
Rather talk to someone? Request a callback
Leave your name and number and a local roofing contractor will call you back about a free estimate and inspection. Available to homeowners in our service markets.
- A local contractor calls you. They confirm your address and a time that works.
- They inspect your roof. Free, in person, no obligation.
- You get a written price. You decide. No pressure.
Local Colorado storm reports
- Storm Damage in Colorado Springs: 2026 Hail and Wind Report Context
- Storm Damage in Denver: 2026 Hail and Wind Report Context
- Storm Damage in Greeley: 2026 Hail and Wind Report Context
Roof replacement cost in Colorado cities
- Arvada
- Aurora
- Boulder
- Castle Rock
- Centennial
- Colorado Springs
- Denver
- Fort Collins
- Greeley
- Lakewood
- Loveland
- Pueblo
Frequently asked questions
Can a Colorado roofer pay my deductible?
No. Colorado law prohibits contractors from paying, waiving, or rebating your insurance deductible.
Is a free roof inspection in Colorado really free?
Inspections requested through this site are free, with no strings attached and no obligation, for homeowners in our service markets.
Sources
- NOAA Storm Prediction Center, storm reports (preliminary). www.spc.noaa.gov/climo/reports/
- C.R.S. 6-22-104. colorado.public.law/statutes/crs_6-22-104
- C.R.S. 6-22-105. colorado.public.law/statutes/crs_6-22-105
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.