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Top-Rated Hail Damage Roof Repair In Northern Colorado | Free Storm Inspections

Voted Top 5 Ranked Roofing Company in Greeley | Your Local Expert for Hail Damage Insurance Claims

Our Exterior Expertise Has Been Featured On CNN

The difference between functional and cosmetic hail damage comes down to a clear technical reality: has the storm compromised your roof’s ability to shed water and shortened its lifespan, or has it simply altered the way it looks? Since 2018, Custom Exteriors has helped Colorado homeowners navigate these complex insurance evaluations with certified exterior expertise. We provide the honest, detailed inspections and quality craftsmanship required to accurately document your loss and restore your home to pre-storm condition, or better.

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Hail Damage Roof Repair In Northern Colorado

Your Single Source For Comprehensive Exterior Hail Damage
Roofing | Siding | Windows | Painting | Gutters

When a Front Range storm hits, finding trustworthy hail damage roof repair shouldn’t add to your stress. Since 2018, Custom Exteriors has protected properties across Northern Colorado and Southeastern Wyoming with reliable craftsmanship and honest, easy-to-read estimates. Headquartered in Greeley, where we were voted among the top 5 roofing contractors in the region, our team holds a flawless 5-star Google rating built entirely on local reputation and transparent service.

Our industry knowledge has been recognized on a national scale, earning features and citations about how to file a roof insurance claim and many other topics. We have shared our expertise on Fixr, USA Today, CNN, and many others and we bring that same elite level of structural insight straight to your Front Range home.

We understand the specific toll that Northern Colorado’s hail and intense sun take on our properties. Our experienced crews provide specialized storm restoration for homeowners and commercial property owners throughout the entire region. We are focused on restoring your home to  pre-storm condition and  maintaining compliance with OSHA fall-protection standards and local Northern Colorado building codes.

When hail strikes, the damage is rarely limited to your shingles. It often impacts your siding, gutters, windows, and paint, leaving homeowners to juggle multiple contractors and conflicting schedules. Custom Exteriors eliminates this stress by acting as your sole point of contact for the entire restoration process. Because we specialize in all exterior trades, we manage every aspect of the storm damage repair from start to finish. This integrated approach ensures that no detail is overlooked, your insurance claim is handled comprehensively, and your home is restored to a beautiful, cohesive state without the headache of managing separate crews.

I need Hail damage roof repair

How We Simplify Your Hail Damage Roof Repair Process

Navigating roof damage can feel overwhelming. We use a structured, step-by-step approach to ensure your roof is properly evaluated and restored to peak condition without the headaches.

Free Hail Damage Roof Inspection

Step 1: Roof & Exterior Inspection

Our experienced crew climbs onto your roof to locate exactly where the hail struck. We inspect the entire system, including the shingles, metal vents, and skylights, to find every hidden spot where water could leak into your home later. While we are there, we also inspect your siding, windows, paint, and gutters for signs of damage. Hail damage is rarely isolated to the roof alone. 

Northern Colorado Roof Inspections

Detailed Evidence Documentation

Step 2: Transparent Reporting

Our experienced crew climbs onto your roof to locate exactly where the hail struck. We inspect the entire system, including the shingles, metal vents, and skylights, to find every hidden spot where water could leak into your home later. While we are there, we also inspect your siding, windows, paint, and gutters for signs of damage. Hail damage is rarely isolated to the roof alone. 

Your Roof Replacement Estimate
Arrow from one step to the next in our 4 step process to hail damage roof repair.

Filing Your hail
damage roof claim

Step 3: Insurer Notification

You contact your insurance company to inform them that your roof has storm damage, using the photographic proof we provided. The insurance company then sends out their own representative, called an adjuster, to verify the damage. We can meet that representative directly at your property to ensure they notice all the exterior damage, including roof, windows, and siding.

Insurance Claim Roofing Inspections
Arrow from one step to the next in our 4 step process to hail damage roof repair.

Roof Replacement & Exterior Restoration

Step 4: Exterior & Roof Repair

As soon as the insurance company approves the repairs, our local crew begins the work. We remove the damaged materials and install quality, brand new roofing products built for Colorado weather. We clean up every piece of debris and stray nail before leaving, ensuring your yard is completely safe and your roof is stronger than before.

Northern Colorado Roof Replacements
Arrow from one step to the next in our 4 step process to hail damage roof repair.
Hail damage found by the team at Custom Exteriors on a Colorado home.
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The Technical Reality of Hail Damage & Your Insurance Claim

Accurate Documentation
and Adjuster Collaboration

We do not negotiate insurance policies or interpret policy language, as those roles belong exclusively to public adjusters and policyholders. Instead, as your local roofing contractor, we serve as your expert technical advocate on-site. We specialize in providing the clear, undeniable data, photographic evidence, and accurate line-item documentation that insurance adjusters need to approve a complete restoration.

Schedule a no-cost hail inspection

Our field protocol ensures your property damage is fully accounted for and paid out accurately based on real-world replacement costs and the terms of your policy. When working with Custom Exteriors, you can expect: 

The team at Custom Exteriors will do a complete inspection and assessment of the damage to your property.

Comprehensive Digital Scope

We catalog every piece of damage with high-resolution, close-up photography, creating a clear, evidence-based repair scope. Our team documents hail impacts on siding, gutters, windows, and trim to ensure every point of damage is identified before the claim is filed.

The team at Custom Exteriors serves as professional representation for our homeowners to their insurance and/or mortgage companies.

On-Site Adjuster Consultation

We meet your insurance carrier’s adjuster during the scheduled inspection. By walking the roof and  entire exterior together, we ensure critical, easily missed items such as damaged valley flashings, drip edges, and other exterior damage are noted right from the start.

The team at Custom Exteriors is happy to assist in the filing of a claim

Xactimate Line-Item Alignment

Insurance carriers calculate replacement costs using a specialized industry software called Xactimate. We provide precise, itemized breakdowns that align seamlessly with their estimating systems, eliminating confusion and helping to reduce processing delays.

Custom Exteriors provides all of the necessary documents to ensure a timely payment upon work completion.

Insurance Supplement Process

It’s common for initial insurance summaries to omit components, such as local code upgrades or specialized requirements. If we uncover hidden damage during the tear-off, we document the issues immediately and submit a insurance supplement request to your carrier.

How Insurance Adjusters Identify Roof Damage

True hail damage goes far beyond basic cosmetics. When insurance carriers evaluate a property, they look for functional damage, which is defined as a physical compromise of the shingle’s water-shedding capabilities or a measurable reduction in its long-term lifespan.

During a certified storm inspection, our team looks for specific identifiers that prove a hail damage roof loss has occurred:

Damage to a home by hail

Mat Fractures and Bruising

The impact of high-velocity hail creates soft, dark circular depressions known as bruises. This force breaks the fiberglass mat underneath the shingle, destroying its structural integrity.

Hail granules gathering in the gutter system after a storm.

Granule Displacement

When hail strips away the protective surface granules, it exposes the underlying bitumen (bitumen-saturated asphalt) directly to rapid UV degradation. This exposure causes accelerated rot, cracking, and eventual leaks.

Roofing estimate

Collateral Damage

We document impact marks on your entire exterior. Dents on aluminum box vents, turtle vents, chimney flashing, gutters, windows, siding and metal valleys serve as objective, unalterable proof of the storm’s severity and path of travel.

What Your Neighbors are Saying About Custom Exteriors

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Actual 5 star review about Custom Exteriors

Claude F.

Custom Exteriors recently replaced our shakes and the office staff, the installers, our account rep and the owner were courteous and professional. Ryan was very helpful in helping us pick out the right material for our house. The installers took pride in their work and did an excellent job. Mike and Ryan both worked closely with us to make sure that we were satisfied with the project. 5 star customer service!
Actual 5 star review about Custom Exteriors

James H.

The entire Customer Exteriors staff, from sales to the installation crew were extremely helpful and professional. We are very pleased with the quality service and and installation of the roofing and rain gutters they put on our home.
Actual 5 star review about Custom Exteriors

Tristan B.

I cannot say enough about the quality and care Custom Exteriors provided for us. The whole team involved with our project were supportive and helpful. They took my calls every time, and if there was an issue it was quickly resolved. They kept communication open and insightful throughout the process. I highly recommend Custom Exteriors.

The Law on Property Deductibles in Colorado

Understanding Colorado Insurance Deductibles

Navigating a storm restoration project involves more than just selecting high-quality materials. It requires a clear understanding of the regulatory framework that governs insurance claims in Colorado. To ensure complete transparency, this section details the legal requirements surrounding your deductible and the protocols followed when an insurance carrier denies a necessary repair component.

Under Colorado Senate Bill 12-038 (SB 38), it is a class 2 misdemeanor for a roofing contractor to pay, waive, rebate, or subsidize any portion of a homeowner’s insurance deductible. This consumer protection law was designed to eliminate unethical business practices and protect property owners from insurance fraud. 

Important Consumer Note:  Your out-of-pocket responsibility will always equal the exact deductible amount stated in your property insurance policy.

Hail storm damage found on a Cheyenne roof by the Custom Exteriors roofing team
West Greeley Hail damage on asphalt roof

What To Do Next

If your insurance company isn’t paying for a needed repair, it can feel overwhelming. This is especially true of hail damage as if left unrepaired, it can lead to significant additional damage to your home including, mold, interior leaks and damage, structural damage and more.

We handle the stressful paperwork and phone calls to fix it. Here is the step by step plan we follow to get your repairs approved if they are covered by your policy:

Step 1: Double-check the proof

We look closely at why the insurance company said no. If they just need more proof, we take extra clear pictures, measure everything again, and send over the exact facts to show them why the fix is necessary. We also recommend speaking with your insurance company to verify coverages. 

Step 2: Check Local & Regional Building Codes

Many policies include a “code upgrade” clause. If your policy includes this clause, we contact your local city building office to get copies of the official laws. This proves to the insurance company that the city requires these fixes to pass inspection. If your policy does not include code upgrades, this will be an additional out of pocket expense as it is required by the local jurisdiction. 

Step 3: Discuss Your Options

If we have exhausted all options and the insurance company still issues a final “no” on something the city does not strictly require, we will sit down with you to look at your options. You can choose to pay for that specific upgrade yourself to get the best protection, or we can simply stick to what the insurance company covers while making sure your replacement roof stays safe and dry.

What Happens if a Supplement is Denied?

Understanding Colorado Insurance Deductibles

An insurance supplement is a routine request submitted during construction when hidden damage is discovered or when local building codes require a component that was omitted from the adjuster’s initial scope of loss. While most supplements are approved when backed by proper documentation, insurance carriers occasionally issue a partial or full denial.

Before a storm strikes, it is advisable to meet with your insurance agent to review your policy and coverages. 

Understanding Insurance Supplements

An insurance supplement is a routine request submitted during construction when hidden damage like soggy or spaced decking is discovered or when local building codes require a component that was missed on the adjuster’s initial scope of loss. While most supplements are approved when backed by proper documentation, insurance carriers occasionally issue a partial or full denial.

Asphalt shingle roof on home in Greeley, severely damaged by hail.
Get Help With An Insurance Supplement
Financing is available from Custom Exteriors to cover the replacement of damaged exteriors due to hail, like the hail damage to the shingle in this photo.

Flexible Financing for Storm Damage Repairs

Flexible financing | Affordable Solutions for Unexpected Exterior Repairs

Storm damage rarely happens at a convenient time. While insurance covers the bulk of the restoration, homeowners are often left responsible for repairs or may choose to use the repair process as an opportunity to upgrade to more impact-resistant materials. We offer accessible financing options designed to bridge that gap. Our goal is to ensure you can complete your repairs immediately, protecting your home from further leaks or issues, while keeping your out-of-pocket expenses manageable. With quick approvals and competitive rates, you can focus on getting your home back to normal instead of worrying about the upfront cost.

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Hail Damage Roof Repair: Your Questions Answered

Yes, minor or localized hail damage can technically be repaired by replacing isolated sections of shingles or damaged soft metals like box vents and flashing. If the impact print covers multiple slopes of the roof envelope, localized repairs are rarely practical or cost-effective, and a full restoration is required to protect the structural integrity of the home.

Hail damage won’t always be as obvious as seeing surface imperfections such as baseball-sized hail dents in your roof after a bad storm.

Though dent repair is common after a bad storm, all types of roofing material will show unspecified damage consisting of no particular pattern of hail strikes. You may also see impact marks in conjunction with splits in the roofing, especially on wooden shingles.

If a certified inspection reveals functional damage, such as mat fractures or significant granule displacement, filing a claim is highly advisable. Ignoring functional damage leads to accelerated asphalt degradation, wood rot, and secondary interior leaks. Because most insurance policies have a strict window or deadline from the specific date of loss to file a claim, addressing the issue early protects your property investment.

If hail has fallen on your property, you should definitely have your roof inspected for damages. In fact, some damage does not show up right after a hailstorm.

Professionals are better able to see these areas. It’s also good to have this type of proof for your home insurance company in the case that an insurance claim for hail damage is needed.

The cost to resolve hail damage varies depending on the scope of the loss. Minor repairs to isolated shingles or flashing components can range from a few hundred to a few thousand dollars. If a full roof replacement is required, costs typically range from $10,000 to $25,000 or more, depending on the roof’s square footage, architectural complexity, and material choices. For covered insurance losses, your out-of-pocket cost is legally limited to your policy’s deductible.

Standard homeowners insurance policies typically cover roof damage caused by sudden accidental perils like hail or wind storms. The payout structure depends on whether your policy is written as Replacement Cost Value (RCV), which pays out the full amount required to restore the roof to new condition minus your deductible, or Actual Cash Value (ACV), which factors in depreciation based on the age of the roof.

A roof requires full replacement if the hail damage is functional rather than cosmetic. If high-velocity hail has fractured the internal fiberglass matting across multiple roof facets, a full replacement is necessary because the shingles can no longer reliably shed water or withstand seasonal weather patterns over the long term.

The 25% rule is a regulatory standard found in many regional building codes, including the International Residential Code (IRC). It dictates that if more than 25% of a roof section or total roof area is damaged or repaired within a 12 month period, the entire roof must be brought up to current local building code requirements. This often triggers a full roof replacement rather than a partial repair.

Hail Damage Roof Repairs and More: Recent Projects

At Custom Exteriors, we take pride in being a trusted name for homeowners across Northern Colorado and Southern Wyoming. Our team understands the unique challenges our regional climate poses, from high-altitude sun exposure to heavy winter snow, and we deliver exterior solutions built to last.

Sitting right in the middle of America’s ‘Hail Alley,’ Northern Colorado communities face some of the most severe seasonal weather in the country. From rapid spring storms dropping large hail over Weld and Larimer counties to localized fronts affecting Greeley, Windsor, Loveland, Fort Collins, and Eaton, we understand how regional weather patterns uniquely impact different roofing materials.

From roofing and siding to windows and gutters, our recent work showcases our commitment to craftsmanship and durability. Browse through our completed projects to see how we’ve helped your neighbors rebuild after storm damage or upgrade their exteriors. 

Photo taken during a James Hardie Color Plus siding installation by Custom Exteriors in West Fort Collins.

Recent Projects by Custom Exteriors:

Receive a Free Estimate from Your Hail Damage Roof Repair Experts

Hail is a serious concern, and if your roof has been damaged by hail in Cheyenne, WY, Greeley, Fort Collins, or anywhere along the Front Range, it is time to call your experts at Custom Exteriors. To find out more, call today at (800) 580-0131.

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