Hail or wind damage?
Free inspection fast.
We climb your roof, photograph the damage, and build the report your carrier needs. We come to you across Colorado's Front Range.
- Licensed and insured
- 18 years on Colorado roofs
- Free inspections
- We meet your adjuster on site
Was your area hit?
Enter your ZIP and we'll cross-reference NOAA's Storm Prediction Center hail reports for the closest detected event in the last 14 days.
- Last 14 days of NOAA Storm Prediction Center hail reports
- Every storm cell within 10 miles of your ZIP
- Distance, date, and hailstone size
- Instant. Free. No email needed.
What happens when you call us
First thing: is your roof actively leaking right now?
Tap the one that fits and we'll show you what happens next
Text us a photo and we'll tell you what we see.
Quickest way to know if you've actually got hail damage or nothing to worry about. Send us a couple of pictures of your roof and any visible damage, and a real person on our end will reply with a read.
Got it. Don't wait.
Text SOS to our line and we'll dispatch a same-day inspector to your house. While you wait, we'll walk you through a temporary interior tarp on the phone so the damage stops spreading.
Make one phone call to us, and the inspection, documentation, and adjuster meeting are taken care of. You make a second call to your carrier (Colorado law says only you can file the claim), and we'll have everything you need ready to attach.
- 01 Hour 1
Give us a call
A real person answers during storm season. We start a file with your address and what you saw, lock in your inspection slot, and start watching NOAA reports for your area.
- 02 Hour 4-24
We get on the roof
A licensed Copa Homes inspector physically on your roof within 24 to 48 hours of your call. Every elevation photographed, every soft hit documented for the claim file.
- 03 Hour 24-48
Photo packet to you
A plain-English PDF in your inbox within 24 hours of inspection, with annotated photos and our assessment. Yours to keep whether you file a claim or not.
- 04 Day 2
We prep the claim file
Storm record, NOAA report, photographed scope, suggested coverage. Everything you need to attach to your insurance claim, assembled and ready to send.
- 05 Day 2
You call your carrier
Colorado law says only the homeowner can file the claim. Quick call to your carrier, get a claim number, and they'll schedule their adjuster. We're on the line.
- 06 Day 3-7
We meet the adjuster
When the carrier's adjuster shows up, we're on the roof with them. If their scope misses anything, we document it on the spot with the photos already on your file, so you and your carrier can process a supplement.
Take a breath. You have time.
If a storm just hit, your phone is ringing, business cards are piling up on the porch, and everyone says "act now." Some of that pressure is real. Most of it isn't.
Here's what's actually true.
Your roof will hold
Hail damage almost never causes a roof to fail right away. What it actually does is shorten the roof's lifespan and create slow leaks that don't show up for weeks or months. Unless water is coming into your house right now, you've got days to make a good decision.
Don't sign on the porch
Reputable contractors knock on doors after storms, including us. The problem isn't the knock itself; it's pressure to sign a contract on your porch before any inspection. Take their card, schedule a real inspection, then decide. If you do happen to sign too quickly, Colorado law actually gives you 72 hours to cancel any roofing contract, no penalty.
You have a real window to file
Most Colorado insurance carriers give you up to 12 months from the storm date to file a hail or wind claim, so the panic of having to act tonight is almost always overblown. A safe rhythm is getting an inspection within the first week and filing your claim within a month after that.
What hail damage actually looks like
Most homeowners can't tell what's storm damage and what's age. Here's the short version, plus what isn't damage, so you don't pay for repairs you don't need.
Granule loss
Bare black or grey patches on shingles where the ceramic granules wore off. Look for clusters. Random scattered loss is normal age. Storm granule loss is concentrated around impact points and shows up most clearly on west and south elevations.
Likely damageHail bruises
Soft, round depressions in the shingle, like a thumbprint. Sometimes hard to see from photos, but you can feel them by touch. Even small (½") bruises break the asphalt mat underneath and let water through over months.
Likely damageCracked or split shingles
Hairline cracks radiating outward from a single hit point. Worse on older roofs because the asphalt is less flexible. A cracked shingle is no longer waterproof. It has to be replaced.
Likely damageDented gutters or vents
Round dings in soft metal: gutters, downspouts, gutter caps, roof vents, A/C fins. These are the easiest confirmation that a hail event happened, and they're often visible from the ground without a ladder.
Storm confirmationCurled or lifted shingle edges
That's age, not storm. Asphalt shrinks as it ages and the edges curl up. A storm doesn't cause this. If a contractor tells you curling is hail damage, they're wrong.
Not storm damageGranules in your gutters
Normal. Asphalt shingles shed granules constantly, especially in the first year and as they age. A handful in the gutter isn't a hail claim. Sudden, heavy granule wash right after a storm is a different story. That's worth checking.
Not storm damageWhat you get when you call us
For most homeowners, the hardest part of a hail claim is everything except the roof itself. The adjuster meeting, the insurance paperwork, the contractors who knock on your door wanting a signature on the spot. Here's how we walk you through all of it, starting from the moment you call.
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We're on your roof within 24-48 hours, so you have real answers within a couple of days.
Within a day or two of your call, a Copa Homes inspector will be at your house at a confirmed appointment time. Once they're up on the roof, they walk every side of the house, check the shingles, the gutters, and the attic when it's accessible, photographing anything that looks like it took a hit. The person who shows up at your door is the same person who writes up your report.
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Before the adjuster ever shows up, you've got a detailed photo report of everything we found, in writing.
Within 24 hours of the inspection, you'll have a plain-English PDF in your inbox with labeled photos of anything we found and what we'd recommend fixing. You get this report whether there's damage to file on or not. If there is, it's written up the way your insurance company actually wants to read it, so by the time the adjuster comes out to your house, you've already got the whole record ready to hand over.
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When your adjuster comes out, we're up on the roof walking them through exactly what we found.
When your insurance company sends their adjuster out to look at the damage, we're up on the roof with them instead of waiting in the driveway. If they miss something we already documented, we point it out right there. If their estimate doesn't cover everything you actually need fixed, we give you the photos and notes so you and your carrier can revisit the scope. Most roofers won't do this part. We do it on every claim.
How a hail claim actually works
Insurance claims aren't as complicated as the jargon makes them sound. Here's the whole thing in the order it actually happens, with the parts that matter most to your wallet called out clearly.
- 01
Your deductible is what you pay
Your deductible comes straight out of your own pocket. Some Colorado policies use a flat dollar amount (often $1,000 to $5,000); others, increasingly common on the Front Range, use a percentage of your dwelling coverage (1 to 5 percent), which can run from $5,000 to $15,000 or more on a typical home. Check your declarations page to confirm which one you have. The contractor doesn't pay it. The insurance company doesn't pay it. Any contractor who offers to "eat your deductible" for you is breaking Colorado law in a way that exposes you personally to insurance fraud charges.
- 02
RCV vs ACV, or the two-check system
If you have what's called a Replacement Cost Value (RCV) policy, your carrier will pay to fully replace the damaged materials, except they hold back the "depreciation" portion until the work is actually completed. So you get one check to begin the project and a second check (the depreciation release) once we close everything out. Actual Cash Value (ACV) policies work a little differently, paying only the depreciated value, with you covering the difference yourself. Increasingly, major carriers add roof-specific ACV endorsements on older roofs regardless of the main policy type, so check your declarations page if your roof is more than 15 years old.
- 03
Supplements aren't fraud, they're standard
Once we start tearing off the old roof, we sometimes discover damage the original adjuster never saw, like rotted decking, code-required upgrades, or siding that needs to be matched. When that happens, we photo-document everything so you and your carrier can process what's called a supplement. Carriers expect supplements as a normal part of the process, which is why hidden damage that goes undocumented usually never gets covered.
- 04
Code upgrades, usually covered
If your municipality requires you to use new code-compliant materials when replacing your roof (synthetic underlayment, ice-and-water shield, drip edge, modern ventilation), most Colorado policies will cover the upgrade under what's called "Ordinance or Law" coverage (sometimes labeled "code coverage" colloquially). It's worth checking your specific policy for the exact percentage, since it usually falls somewhere in the 10 to 25 percent range of your dwelling limit, often defaulting to the lower end with optional buy-ups available.
- 05
Your mortgage company is on the check
When your claim is over a certain dollar threshold (the cutoff varies by lender, usually somewhere between $10,000 and $25,000, though some FHA and VA loans trigger this at lower amounts), the insurance check gets made out jointly to both you and your mortgage company. The bank then holds those funds in escrow and releases them in stages as the work gets verified along the way. We handle the documentation for the release on your behalf so you're not chasing paperwork through the bank.
- 06
Denials aren't necessarily final
A denial on your initial claim isn't the end of the road. You can request a reinspection with the photographic evidence we documented, escalate to a senior adjuster at the carrier, or hire a licensed Colorado public adjuster. Public adjusters and licensed attorneys are the only third parties legally allowed to negotiate claim dollars on your behalf in Colorado; your contractor cannot. We've seen plenty of denials get reversed once the carrier takes a second look, especially when the original adjuster missed damage on steep slopes or rear elevations of the house.
Telling local contractors from storm chasers
After every big storm, two distinct waves of contractors start knocking on doors. Local crews with a year-round presence and a track record where they work, and storm chasers who follow the weather across multiple states and will be packed up and gone within six weeks. Both knock, both want the work, and unfortunately they don't come labeled. Toggle below to see what each one tends to look like at your front door.
Tap to compare what a trusted contractor looks like versus a storm chaser
Year-round local presence
A real local family in your neighborhoods, insured and operating under the licensing each Colorado jurisdiction requires, with a track record you can check. They were here before the storm and they'll be here next year.
Only shows up after storms
Out-of-state plates, no track record where you live, and they only appear after the weather hits. They follow storms across multiple states, which means they'll be gone before any warranty matters.
Your deductible is yours to pay
Any legitimate contractor will tell you the deductible is your responsibility, full stop. That's how the law works in Colorado.
"I'll cover your deductible"
Illegal in Colorado under C.R.S. § 6-22-105(1). The insurance fraud exposure for the whole arrangement actually lands on you, the homeowner, not on them.
Takes the time you need
Leaves a card, answers questions, and gives you space to compare options without manufactured deadlines.
"Sign today or the offer expires"
Artificial deadline pressure is a hallmark of an outfit that needs to close fast because they won't be in the state next week to follow up.
Inspects before any paperwork
Climbs the roof, documents everything, then talks contract. Inspection comes first, signature comes after you've seen the report.
Contingency contract on the porch
Signing one of these before anyone has inspected locks you into them as your roofer the second your claim is approved.
Insured and properly licensed
Insured, and operating under the licensing each Colorado jurisdiction requires, and is straight with you about exactly what that involves before you decide anything.
No license they can show you
Most municipalities maintain searchable public registries for contractors. If they can't produce a verifiable license for where you actually live, they have no business on your roof.
Deposit plus carrier check at completion
Standard arrangement is a small mobilization deposit on contract signing, with the balance paid from the carrier check after the work is finished and you've signed off.
Cash-only or full payment upfront
This one is non-negotiable. Anyone insisting on cash upfront, especially the full amount before work begins, is preparing to disappear with your money.
Copa Homes is a real local family in your neighborhoods, insured and operating under the licensing each Colorado jurisdiction requires, not out-of-state plates that vanish after the season. Backed by E&M Roofing's 18 years of contractor experience. When we knock, we leave a card with a name and number you can reach year-round. There's no pressure to sign before any inspection, no deductible games, no cash demands.
Schedule a no-pressure inspectionFrom our family to yours.
COPA Homes is a family-run shop. Eli founded E&M Roofing nearly two decades ago with his wife Michele, and the family runs both businesses today from right here in the South Denver Metro.
When you call, a real person picks up. When we say we'll be there within 24 to 48 hours, we actually show up. We live here, our kids go to school here, and our reputation is the only thing we have. That's not a marketing line, it's how a local family business works.
Schedule your free inspection
Four quick questions. We'll reach out within the day to confirm a time that works for you.
- Licensed and insured Colorado contractor
- Backed by E&M Roofing's 18 years of in-state experience
- Your photographed report is yours to keep, claim or no claim
The questions every homeowner asks us
Most questions we hear after a hailstorm fall into four areas. Tap a category to jump in, then click any question for the full answer.
How fast can you get out for an inspection?
Within 24 to 48 hours of your call during storm season. We batch storm inspections by neighborhood for efficiency, so the soonest available slot is usually within a day or two.
What does the inspection actually involve?
An on-roof walk where we capture every elevation, document siding impact marks, check gutters and downspouts, and examine windows for cracked glass. You get a plain-language report afterward. We won't pressure you to file a claim if there isn't damage.
What if there's no damage? Do I still pay?
No. The inspection is free whether we find damage or not. If your roof is fine, we'll tell you, give you the photographed report for your records, and that's it. No claim filed, no obligation, no follow-up calls trying to upsell you.
How long do I have to file my claim?
Most Colorado insurance carriers require notice within 12 months of the date of loss. Some are shorter. Reporting any suspected damage within 60 days preserves your claim rights even if you decide later not to move forward.
Do I have to file a claim if you find damage?
No. The inspection is yours to do with as you want. If there's clear damage we'll recommend filing because Colorado carriers have notice deadlines, but the call is always yours. Plenty of homeowners choose not to file when the damage is cosmetic and the deductible isn't worth it.
What's the difference between ACV and RCV on my policy?
ACV (Actual Cash Value) pays the depreciated value of your damaged roof or siding. RCV (Replacement Cost Value) pays what it costs to replace with new materials, but the depreciation portion is held back until the work is completed. Most Colorado policies are RCV. After the install we give you the completion documentation your carrier needs to release the depreciation.
What is supplementing, and why does it matter?
A supplement is an additional claim you file with your insurer when the original scope misses damage discovered during the project. Code upgrades, hidden decking damage, or matched-material requirements are common supplements. We photo-document everything so you and your carrier have a clear record when a supplement is needed, because hidden damage that never gets documented never gets covered.
Do you adjust insurance claims on my behalf?
No. Colorado law (the public-adjuster line) prohibits contractors from acting as public adjusters. We document damage thoroughly, meet with your adjuster on-site, and discuss the scope with them. Negotiation and final claim approval is between you and your insurance company.
What if my claim is denied?
Denials get reversed regularly when the original adjuster missed damage on rear elevations, steep slopes, or in the attic. We'll re-inspect, give you the photographed evidence, and help you request a reinspection from your carrier. If that doesn't move it, you can escalate to a senior adjuster or hire a licensed public adjuster (the only person besides you who can negotiate the dollar amount of the claim under Colorado law).
How long does the whole process take, from inspection to new roof?
A typical timeline: inspection within 24 to 48 hours of your call, claim filed Day 2, adjuster on-site within 1 to 2 weeks, carrier approval within 1 to 3 weeks after that, then materials ordered and install scheduled. Most projects run 4 to 8 weeks from first call to new roof in normal season, 8 to 12 weeks during peak storm season when carriers and supply chains are backed up.
Can I waive my deductible? My friend's contractor offered to eat it.
No, and any contractor offering to "eat your deductible" is breaking Colorado law. C.R.S. § 6-22-105(1) and SB 12-038 specifically prohibit contractors from waiving, rebating, or covering the insurance deductible. If you sign with someone offering this, the insurance fraud exposure lands on you, the homeowner.
Will my insurance premiums go up if I file a hail claim?
Hail claims are generally treated as "act of God" events and typically don't directly raise your premium the way at-fault claims do. Carriers may adjust rates based on broader claim activity in your area regardless. Talk to your agent about your specific policy if this is a concern.
A door-knocker said I have hail damage and offered to handle everything. Should I sign?
Sign nothing before an independent inspection, especially not a "contingency contract" that locks you into them as your roofer the moment your claim is approved. Plenty of legitimate local contractors knock on doors after storms (we do too). The problem isn't the knock; it's pressure to sign on your porch. Take the card, get an inspection, then decide.
How do I know I'm not being upsold?
Our report tells you the truth about your roof, not whatever would make us the most money. If your roof doesn't need replacement, we'll tell you that. If it only needs a partial repair, that's what we'll recommend. We'd rather earn your trust on a $400 repair and get your kitchen remodel in three years than push a $25K replacement you don't actually need.
Do you use subcontractors?
For the install we use vetted Colorado crews we've worked with for years. We're not a "sign here, here's your hired-off-Craigslist crew" shop. Our own team handles the inspection, the scope of work, and every customer-facing conversation. You always have a direct phone number for someone working on the project.
What else can a hailstorm damage?
Hail routinely damages gutters, siding, window screens, A/C condenser fins, and exterior paint along with the roof. We handle all of it. Copa Homes is a full-home contractor backed by E&M Roofing, so we inspect, document, and restore everything the storm touched as part of one coordinated claim.
What warranty do I get?
Manufacturer's warranty on every material we install. Coverage varies by product, with shingles, siding, gutters, paint, and windows each carrying their own warranty periods (typically 25 to 50 years on architectural shingles). On top of that, you get our own workmanship warranty on the install. We back our work for the long haul because we're not going anywhere. We live here, our families live here, and our reputation is built one Colorado home at a time.
Can I see examples of your work?
Yes. Call us and we'll share recent local project addresses you can drive by. We don't post fabricated before-and-after galleries because real homeowners' addresses are private. If you want to see in-process work, we'll arrange it through current clients who've agreed to share.
Didn't see your question?