You should file an insurance claim as soon as you confirm storm damage to your roof, windows, or siding. Most policies give you up to one year, but it’s best to report the damage quickly. Acting early helps avoid delays and makes the claims process smoother.
Storms in Denver can come in fast and leave a mess behind. Whether it’s hail, heavy winds, or flying debris, knowing when and how to file an insurance claim can help protect your home and peace of mind.
Common Types of Storm Damage in Denver
Storms in Denver can bring more than simply rain. Here are a few ways they can impact your home:
- Hail Damage to Roofs: Large hailstones can crack shingles, bruise the underlayment, or even puncture roofing materials.
- Dented or Cracked Siding: Siding may get dented, chipped, or cracked from flying debris or hail, especially on the side of the house that faces the storm.
- Broken or Shattered Windows: Windblown debris or large hail can break window panes or frames, allowing water and air to enter the home.
- Missing Shingles or Roof Sections: High winds can lift or completely remove shingles, leaving your roof vulnerable to leaks.
- Water Leaks and Interior Damage: Once the roof or windows are damaged, rain can seep inside and cause water stains, mold, or structural issues.
What Does Insurance Cover in a Storm?
Homeowners insurance usually helps cover damage from common storm events like wind, hail, and fallen trees. But not all policies are the same, and what’s covered can depend on the type of storm and your specific plan.
That’s why it’s always smart to take a close look at your policy or talk with your insurance provider when something happens.
Here are a few types of damage that are often included in standard coverage:
- Wind and Hail Damage: Most policies include damage caused by strong winds or hail. This could mean missing roof shingles, cracked siding, or broken windows. These are some of the most common claims in places like Denver where storms can hit hard and fast.
- Fallen Trees: If a tree falls on your home or another covered structure, the damage is usually part of your coverage. It may even include removing the tree, as long as it caused actual damage.
- Water Damage: Rain that gets in through a damaged roof or window might be covered, but flood damage from rising water usually is not. That typically needs separate flood insurance. Understanding the difference matters when it comes time to file a claim.
Coverage details can vary, so reading your policy or asking questions after a storm is always a good move. It helps you know where you stand and what steps to take next.
How Long Do I Have to File the Insurance Claim?
You should file your insurance claim as soon as you confirm the storm damage. Most homeowners’ policies give you up to one year, but some require notice much sooner, especially for hail or wind-related damage.
Waiting too long can lead to delays, coverage issues, or even claim denial. Even if the damage seems minor at first, it’s still a good idea to report it early.
Sometimes what looks small can turn into a much bigger problem if not handled quickly. A local contractor can help confirm if the damage is enough to file a claim, so you’re not guessing.
Insurance companies usually ask for the date of the storm and a description of what happened. If you can back that up with photos, videos, and even a weather report from that day, it helps move things along. The sooner you file, the sooner you can get the repair process started.
How to File a Storm Damage Insurance Claim
Filing a claim after a storm may seem stressful, but following these clear steps can help make the process easier to manage. Here’s a breakdown using simple everyday steps:
1. Check That It’s Safe
Before anything else, make sure it’s safe to be inside or around your home. Look out for things like broken glass, downed power lines, or anything that might make the area dangerous.
If the damage seems serious or the structure doesn’t feel stable, call a professional right away to take a look.
2. Document the Damage
Once it’s safe, take your time gathering as much information as you can.
- Take clear photos and videos of all the damage.
- Include wide shots to show the overall area and close-ups of specific problems like missing shingles, broken siding, or cracked windows.
- Don’t forget to check inside for signs of leaks, stains on ceilings, or water on the floor.
- Make a list of anything damaged, and note what might need to be repaired or replaced.
This documentation will be one of the most important parts of your claim.
3. Notify Your Insurance Company
Reach out to your insurance company as soon as possible. Most companies have a claims phone number or online portal where you can report storm damage.
- Be ready to provide your policy number, the date of the storm, and a short summary of what happened.
- Ask what information they’ll need from you next and how the process will move forward.
- Write down the name of the person you spoke with and your claim number.
4. Review Your Policy Coverage
While you wait for the next steps, take a look at your homeowner’s insurance policy.
- See what kinds of storm damage are covered.
- Check the deductible amount.
- Look for any exclusions or special rules for wind, hail, or water damage.
5. Meet With the Insurance Adjuster
Your insurance company will usually send an adjuster to inspect the damage in person.
- Be there if you can, and walk them through the areas that were affected.
- Show them the photos and videos you took, and explain what happened during the storm.
- If you already had a contractor check things out, give the adjuster a copy of that report too.
6. Get and Submit Repair Estimates
Reach out to a trusted, local contractor and ask for a written estimate for repairs. If possible, get more than one quote so you can compare.
- Submit those estimates to your insurance company.
- These documents help support your claim and show the likely cost of getting everything fixed.
7. Keep Records of All Communication
Throughout the process, stay organized by keeping track of who you speak with and what was said.
- Write down names, dates, and key details from phone calls or emails.
- Save copies of your claim, estimates, and any letters from your insurance company.
- Having everything in one place makes it easier if questions come up later.
Understanding the Insurance Claims Process
Here’s how the claims process usually works after you report storm damage:
- Get a claim number: Once you contact your insurance company, they’ll give you a claim number. Keep this handy for future updates and communication.
- Insurance adjuster schedules a visit: The company will send an adjuster to inspect the damage. They’ll check your roof, siding, windows, and anything else that was affected.
- Have your documentation ready: It’s helpful to show the adjuster your photos, videos, and notes. If a contractor already inspected your home, share that report too.
- Insurance company reviews the findings: After the adjuster’s visit, the insurance team reviews everything to decide what’s covered and how much they’ll pay for repairs.
- Settlement and payment: If approved, you’ll receive a breakdown of what’s covered and a payment to begin repairs. If they need more details, they might ask for estimates or receipts from temporary fixes.
- Time frame varies: Some claims are resolved quickly, while others take longer. It often depends on how severe the damage is and how much back-and-forth is needed.
- Follow up when needed: Checking in with your insurance contact can help keep the process moving and avoid delays.
When You Might Need Extra Help
Sometimes storm damage claims can get complicated. If your claim is denied, delayed, or the offer seems too low, it may be time to bring in outside help.
A public adjuster works on your behalf, not the insurance company’s. They can inspect the damage, prepare documents, and negotiate with the insurer to help you get a fair settlement. This can be especially helpful if your home has major roof, siding, or window issues that were missed during the first inspection.
In some cases, homeowners may also turn to an attorney, especially if the claim has been denied or if there’s a dispute over coverage. Legal professionals can review your policy, explain your options, and handle communication with the insurance company.
It’s not something every homeowner needs, but when things don’t feel right, having someone on your side can make a real difference.
Tips to Help You Get a Fair Payout
A few simple steps can make a big difference in how smoothly your claim goes and how much you’re offered. Here are some tips to help you stay prepared and informed:
- Take photos right away: Document everything, inside and out, as soon as it’s safe. The more detail, the better.
- Save all receipts and estimates: Keep a folder with any repair costs, temporary fixes, and contractor quotes. These can help support your claim.
- Work with a trusted contractor: A local expert can spot damage that might be easy to miss and provide a solid inspection report.
- Don’t rush to accept the first offer: If something feels off or seems too low, you can ask questions or bring in a public adjuster for a second opinion.
- Follow up with your insurance company: Staying in touch shows you’re serious and helps avoid delays.
How Long Does It Take to Get a Payout from Homeowner's Insurance?
In most cases, it can take anywhere from a few weeks to a few months to receive a payout from your homeowner’s insurance. The timeline depends on how quickly you file, how complex the damage is, and how responsive your insurance company is during the process.
If the damage is straightforward and your documentation is complete, things can move along fairly quickly. But larger or more complicated claims, especially those involving roof, siding, or window repairs after a storm, may take longer.
Staying in touch with your adjuster, responding to any follow-up requests, and keeping your paperwork organized can all help speed things up.
Conclusion
Filing an insurance claim after a storm doesn’t have to be overwhelming. If you act quickly, document the damage, and bring in the right help, you can protect your home and move forward with repairs. The key is to stay organized and get support when you need it.
If you're looking for a trusted contractor to inspect your roof, siding, or windows after a Denver storm, Team Dave Logan can connect you with screened professionals who know how to help.
