Living in Colorado means enjoying beautiful mountain views — but also preparing for unpredictable storms. From hail and wind to snow and lightning, storm damage can take a serious toll on your home. At NOCO Roofing, we want homeowners to understand what storm damage is typically covered by insurance and how to make the most of your policy.
Wind Damage
Colorado is no stranger to powerful winds, sometimes reaching speeds over 70 mph. Strong gusts can tear shingles from your roof, damage siding, and even break windows. The good news? Most homeowner insurance policies include coverage for wind damage. Always double-check your specific policy details.
Hail Damage
Severe hailstorms are a regular threat in Northern Colorado, especially during spring and summer. Hail can dent, crack, or puncture shingles, leaving your roof vulnerable to leaks. Thankfully, most insurance providers cover hail damage, but deductibles and coverage limits vary. Knowing these details upfront prevents surprises when filing a claim.
Water Damage
Heavy rain, often paired with hail, can cause roof leaks and interior water damage. If the water intrusion is tied to a covered event (like hail or wind), your insurance should cover the repairs. However, flooding from rising water levels is usually excluded and requires a separate flood insurance policy.
Lightning Strikes
Summertime in Colorado also brings lightning risks. A direct strike can spark fires and cause electrical damage. The reassuring news: most standard homeowner policies cover fire and lightning damage. Document every detail and contact your insurer immediately if your home is affected.
Winter Storms & Ice Dams
Cold winters in Colorado often lead to ice dams, which form when snow melts and refreezes along your roofline. Ice dams can force water beneath shingles, resulting in leaks and even structural issues. Some insurance policies cover this type of damage, but it’s best to confirm coverage before winter sets in.
Why Partner with NOCO Roofing?
Navigating storm damage claims can feel overwhelming, but you don’t have to handle it alone. At NOCO Roofing, we:
- Provide expert roof inspections after storms.
- Help document and file insurance claims.
- Deliver durable, weather-resistant roofing solutions built for Colorado’s climate.
Protect Your Home & Your Wallet
Storms are inevitable, but financial stress doesn’t have to be. Understanding your insurance coverage and working with trusted roofing professionals ensures peace of mind year-round.
Contact NOCO Roofing today for a free inspection or to learn more about storm damage coverage. Safeguard your home before the next Colorado storm hits.
