Hail and your deductible in Colorado

The number you care about isn't the one you think.

Most people know their auto deductible. Almost nobody knows how their roof is covered, and in Colorado that's the number that decides everything.

Three things to go look up on your own policy right now. You do not have to call us to do this.

1. Is your wind and hail deductible a dollar amount or a percentage?

A lot of Colorado policies moved to a percentage of the dwelling limit rather than a flat number. On a house insured for $600,000, a 2% hail deductible is $12,000. People budget for $1,000 and find out in June.

2. Is your roof covered at replacement cost or actual cash value?

Replacement cost pays to put a new roof on. Actual cash value pays what your old roof was worth, depreciated for age. On a fifteen-year-old roof that difference can be most of the check.

3. Is there a cosmetic damage exclusion?

Some policies won't pay for dents that don't leak. Whether that's reasonable depends entirely on your roof and your resale timeline, and it's a decision you should make on purpose rather than discover.

Where to find it

Declarations page, usually page one or two, under deductibles. If you can't find it, send us the PDF and we'll find it and tell you what it says. You don't have to be our customer for that.

What we'll do

We'll read your declarations page and tell you what your hail exposure actually is in dollars. Then you decide whether you're comfortable with it.

Kendall has handled thousands of claims. He's seen what a hail check looks like when the roof was covered right and when it wasn't.