After a powerful storm hits South Denver, homeowners are often left facing a complex and unfamiliar process—filing an insurance claim for roof repairs. Whether you’re in Parker, Highlands Ranch, Castle Pines, or Lone Tree, hail and wind damage can leave your home exposed and your finances uncertain. Understanding how roofing insurance claims work and what to expect from start to finish can help you move forward with clarity and confidence.
At New Heights Construction, LLC, we specialize in guiding South Denver homeowners through every step of the insurance claim process. From the initial inspection to final installation, our goal is to make roof repairs simple, transparent, and stress-free. Here’s what you need to know when your roof has been damaged by a storm and you’re considering filing a claim.
Step 1: Get a Professional Roof Inspection Before Calling Your Insurance Company
Many homeowners make the mistake of calling their insurance provider first, without fully understanding the condition of their roof. However, your first step should always be to schedule a storm damage inspection with a licensed, local roofer. Not all storm damage is visible from the ground, and an expert inspection ensures you have accurate, documented evidence before the adjuster arrives.
During your inspection, New Heights Construction, LLC will:
- Thoroughly evaluate your roof, flashing, gutters, and attic
- Identify signs of hail bruising, wind uplift, or water penetration
- Provide detailed photo documentation of all damage
- Offer guidance on whether filing a claim is warranted
Having this information upfront can prevent unnecessary claims, save time during adjuster visits, and ensure you’re pursuing the right path based on real damage, not assumptions.
Step 2: File Your Insurance Claim
Once your inspection confirms storm damage, contact your insurance provider to initiate the claim process. You’ll be assigned a claim number and a date for an adjuster to visit your property. This is where having a roofer by your side becomes invaluable.
Key tips for a smooth filing process:
- Have your policy number, inspection report, and photos ready
- Be prepared to describe the storm (date, time, type of weather event)
- Ask your contractor to be present during the adjuster’s visit
- Keep a record of all communication with your insurance company
In South Denver, insurance companies are familiar with weather-related claims but may still overlook damage if it’s not well documented. A contractor who understands the local codes, claim expectations, and adjuster language can help ensure a full and fair evaluation.
Step 3: Review the Insurance Estimate
After the adjuster visit, you’ll receive a scope of loss document from your insurance company. This outlines what will be covered, the estimated cost of materials and labor, and the depreciation applied to your roof based on its age and condition.
It’s essential to:
- Compare the insurance estimate with your contractor’s inspection
- Look for missing components such as underlayment, ventilation, or flashing
- Ask your contractor about any discrepancies and how to file a supplement if needed
At this stage, New Heights Construction, LLC steps in to review the insurance documentation line by line. If necessary, we’ll file supplemental claims with supporting documentation to ensure that all necessary work is included. Many claims leave out key elements, but with expert advocacy, we make sure your roof is fully restored, not just patched up.
Step 4: Roof Repairs or Replacement Begin
Once your insurance claim is approved and funding is in place, it’s time to start the work. Your contractor should pull any required permits (which are mandatory in most South Denver municipalities), order materials, and coordinate the project schedule.
Here’s what to expect during this phase:
- A clear construction timeline, typically 1–2 days for most homes
- Protection of landscaping and outdoor spaces during the tear-off
- Complete removal of damaged roofing materials
- Installation of new materials per insurance scope and code upgrades
- Final walkthrough and post-project inspection
New Heights Construction, LLC uses only manufacturer-certified materials and trained crews, so your new roof isn’t just repaired—it’s upgraded to perform better in future storms. We also handle all communication with your insurance company throughout the process, so you don’t have to act as a middleman.
Step 5: Final Paperwork and Payment
Most insurance claim payouts are distributed in two phases: the actual cash value (ACV) first, and the recoverable depreciation later. After the work is completed and the contractor submits an invoice to the insurer, the final check is released.
To close the claim, you’ll need to:
- Provide your insurer with a completion certificate or invoice
- Pay any remaining deductible
- Ensure your mortgage company (if listed on the check) has endorsed the final payment
Our team assists with every step of this closeout process, including communications with mortgage companies if needed. We also register warranties on your behalf, providing you with long-term protection for materials and workmanship.
Why Local Experience Matters
Storm-related roofing claims aren’t just about construction—they’re about navigating a system that requires precision, documentation, and trust. Local companies like New Heights Construction, LLC, understand the codes, storm patterns, and insurance challenges unique to South Denver.
We don’t leave after the job is done. We’re here year-round for follow-ups, additional documentation, or support. That’s the difference between a local contractor and an out-of-town storm chaser.
Your Trusted Partner for Roofing Claims in South Denver
Navigating a roofing insurance claim can feel overwhelming, especially if this is your first time dealing with major storm damage. But you don’t have to go it alone.
New Heights Construction, LLC has helped hundreds of South Denver homeowners—from Parker to Highlands Ranch—handle roofing claims with clarity, honesty, and results. We protect your home and your financial peace of mind every step of the way.
If your roof was damaged in a recent storm, schedule your free inspection today and let our expert team walk you through the claim process from start to finish—no stress, no shortcuts, just straightforward help from local pros who care.