Storm Damage Restoration in Colorado Springs

Why this matters for your claim: the cause of loss is the June hail event, not the August rain. Carriers frequently apply reporting deadlines from the date of the storm, and hail claims are usually subject to a separate — often larger — deductible. Establishing the correct date of loss is the difference between a covered claim and a denied one, and it is why the storm date, not the leak date, is the one that matters.

If you have had hail in the last two years and never called a storm damage restoration services Colorado Springs CO team for a roof inspection, that is the highest-value thing on this page.

Colorado carriers widely apply a separate wind and hail deductible — historically a flat amount of $2,500 to $10,000, but most carriers have now moved to a percentage of your dwelling coverage, commonly 1% to 5%. It is applied along the I-25 corridor, which includes Colorado Springs.

The arithmetic people are not expecting: on a home insured for $400,000, a 2% wind/hail deductible is $8,000 — regardless of what your all-perils deductible says on the front page of the policy. The Colorado Division of Insurance has reported an average wind/hail deductible in the state of around $5,664 against an average dwelling coverage around $431,130.

Check your declarations page for a separate wind/hail figure before you file. It changes whether filing makes sense at all.

Standard homeowners policies exclude flood — surface water arriving from outside the building. That is what burn-scar runoff and monsoon flash flooding are.

Flood coverage is separate, through the NFIP or a private carrier, with limits of $250,000 for the building and $100,000 for contents, contents settled at actual cash value, and a 30-day waiting period before a new policy takes effect. Below a burn scar, "I will get flood insurance when it rains" is not a plan.

Basements are treated harshly under NFIP. There is no contents coverage below grade regardless of flood zone, and finished improvements receive very limited or zero payout. What is covered below grade is essentially the unfinished structure and specific equipment — foundations, stairs, unfinished drywall, non-flammable insulation, plus the furnace, water heater, sump pumps, washer, dryer and freezer.

Rain entering through an opening the storm created is generally a covered wind loss. Rain entering through a pre-existing defect generally is not. That distinction is where storm claims get argued, and it is settled with evidence — the storm date, the damage pattern, and documentation showing the roof was sound before.

Coverage depends on your specific policy. We are a restoration contractor, not licensed insurance advisers.

And the local complication that makes storm losses get missed: dry Colorado air pulls moisture off exposed surfaces quickly, so a ceiling stain dries and pales while the insulation above it is still saturated. No drip, no smell, nothing visible — and growth starting in an attic nobody has been into. How a ceiling looks is close to worthless as evidence here. We meter it.