Anatomy of a Southshore Hail Claim Re-Roof in Aurora, CO

Here is a composite of the job we do most in southeast Aurora, assembled step by step so you can see exactly what happens between "I think we got hail" and a closed city permit. The details are the point: this is the standard any roofer working your claim should meet, whether it is us or not.

Day 0: The Storm

A June afternoon cell drops 1 to 1.75 inch hail across the Aurora Reservoir corridor. From the ground the roof looks fine. The gutters tell a different story: a gritty line of granules at every downspout exit after the next rain.

Week 1: Inspection Before The Claim

On the roof, we find random-pattern bruising on the south and west slopes, a dozen soft impact points per test square, granule-exposed mat at the hits, and dents in the gutter metal and two vents holding the size evidence. In the attic, no moisture yet. We photograph all of it, keyed to a roof diagram, and match the damage pattern to the storm date and the public record for that ground. The homeowner now has evidence in hand before opening a claim, which is the correct order.

Week 2: Filing The Hail Claim And The Adjuster Meeting

The homeowner files with the documentation packet. When the adjuster inspects, we are on the roof too, walking the same slopes, chalking the same impacts. Agreement on the damage happens on the shingles, which is where it is cheapest to reach. The adjuster totals the roof.

Week 3: Roof Scope Reconciliation

The first insurance estimate arrives, and, as usual, it prices a generic roof, not an Aurora roof. Missing: ice barrier underlayment, which the City of Aurora requires on every home, the kick-out flashing the city's guidance calls for at sidewall terminations, and drip edge. The policy carries ordinance and law coverage, so we submit the code citations with photos and the revised scope is approved. This single step is routinely worth thousands of dollars of correctly built roof, and it is the step skipped by every crew that bids off the first estimate as-is.

Week 4: Material And The Class 4 Decision

The homeowner weighs standard architectural shingle against Class 4. Their insurer offers a wind-hail premium discount for UL 2218 Class 4; the upgrade prices at about 20 percent over the approved shingle line. Payback pencils out inside seven years, and this owner plans to stay. Class 4 it is, in an HOA-approved color, registered for the manufacturer warranty after installation.

Roof Replacement Build Days

• Tear-off to bare deck; two sheets of hail-bruised OSB found and replaced at the itemized allowance price
• Deck re-nailed to spec; ice barrier at eaves and valleys per the city criteria; synthetic underlayment over the field
• Class 4 shingles, six nails each in the wind-critical zones; new drip edge, kick-out flashing, pipe boots and ridge vent
• Site magnet-swept, landscaping walked, debris hauled the same day

Claim Closeout: Where The Last Dollars Live

The city inspection passes and the permit closes. We deliver the completion certificate, final invoice matching the approved scope, and warranty registration. The homeowner submits the completion packet and the insurer releases the recoverable depreciation, the final chunk of the settlement that only pays out after documented completion. Total out-of-pocket: the deductible, exactly as Colorado law intends, plus the elected Class 4 upgrade difference.