Colorado Storm Damage Authority Hub

Quick Answer

After a Colorado or Wyoming hailstorm, schedule a roof inspection before assuming the roof is fine. Hail can compromise shingles, membranes, flashing, gutters, and ventilation long before leaks appear. AC INC Roofing documents the damage and shares the report with you and your insurance adjuster — we are a licensed roofing contractor, not a public adjuster, so coverage decisions stay with you and your carrier.

Storm Topics Covered

This hub connects storm restoration topics that homeowners and commercial property owners commonly ask about. Each link below is an educational deep-dive page; none of them are advice on whether your specific claim will be paid.

• Hail damage signs and what to look for after a storm
• Wind damage signs and lifted-shingle patterns
• Emergency tarping and temporary roof mitigation
• Roof insurance coverage basics (named perils, RCV vs ACV, depreciation)
• Roof deductible explained (and why we cannot waive it under CRS § 6-22-105)
• Public adjuster vs roofer roles in a claim
• Colorado matching law explained (CRS § 10-4-110.8)
• After a claim denial — educational next steps
• Class 4 impact-resistant shingles and insurance discounts

How AC INC Roofing Helps

AC INC Roofing provides HAAG Certified storm inspections, photo documentation, written findings, Xactimate-compatible scopes, proof packages on request, adjuster meet-up coordination, and repair or replacement installation. As a licensed roofing contractor we do not negotiate insurance claims, determine coverage, or guarantee outcomes — those are roles of the homeowner, the carrier, and a licensed Colorado public adjuster or attorney.

Frequently Asked Questions

Can hail damage exist without an active leak?

Yes. Hail can damage shingles, granules, mats, vents, flashing, gutters, and roof accessories without causing an immediate interior leak. Hidden damage can worsen over time and reduce the lifespan of an otherwise sound roof.

What is a proof package?

A proof package is a deeper documentation package that may include photos, measurements, observed damage, manufacturer information, and written findings to support a property owner during the claim process. It is most useful when an adjuster scope appears incomplete or code upgrades are involved.

Does AC INC Roofing negotiate with insurance companies?

No. Colorado law (CRS § 10-2-417 and SB 09-038) prohibits roofing contractors from acting as public insurance adjusters or negotiating claim outcomes on a homeowner’s behalf. We document damage, share scope documentation with adjusters, and install the work — coverage decisions are made by the homeowner and the carrier. For disputed claims we recommend a licensed Colorado public adjuster or attorney.