★★★★★
“When our insurance only wanted to give us a partial roof replacement she helped us with an appeal and was able to get a full roof replacement, paint and gutters!”
First-time homeowner · Google review, Feb 2026
Colorado insurance guide · Updated Oct 13, 2026
Does homeowners insurance go up after a roof claim?Honest Colorado answers.
It can. But Colorado protects you for asking questions, requires 60 days’ notice with reasons before a non-renewal, and lets you check your own claim record. Here’s how to decide before you file.
60 daysWritten notice before non-renewal
7 yrsClaims kept on C.L.U.E.
$0Our inspection, never reported
- Licensed & InsuredUL 2218 Class 4 Impact-Resistant Roofing · 4.8★ (160+ Google Reviews)
- 4.8★ on Google160 homeowner reviews
- Insurance-claim expertsIn roofing since 2009
- Insurance & hail expertsInspection to final check
- Financing through SlicePay over time, if approved
- Licensed, Fort Collins to Colorado SpringsBased in Lone Tree
The short answer
Yes, it can. Here’s what actually happens in Colorado.
Filing a roof claim can raise your premium, and repeat claims can get a policy non-renewed. Colorado law doesn’t prevent that. But Colorado gives you more protection than most homeowners realize:
- Asking is protected. An insurer can’t cancel or non-renew you just for asking about your coverage when no claim is involved. C.R.S. 10-4-110.8(1)
- No surprise drops. To cancel or non-renew, the insurer must mail you notice at least 60 days ahead that states the specific reasons (10 days if it’s for non-payment). C.R.S. 10-4-110.7(3)
- They have to show their work. If your claims history leads to an adverse action, the insurer must tell you the specific claim information behind it. C.R.S. 10-4-110.7(2)(b)
- Your claim record is checkable. Claims typically sit in the LexisNexis C.L.U.E. database for up to seven years, and you get a free copy every 12 months. CFPB
The smartest move is to find out whether the damage is even worth a claim before your insurer hears about it. That’s what a free inspection is for.
Not sure if you should file?
Get a free inspection first.
We tell you honestly if it’s worth a claim, before your insurer ever hears about it. If the damage is under your deductible or not storm-related, we’ll say so.
Free · No obligation · Nothing is reported to your insurer
Colorado law, in plain English
What your insurer can and can’t do.
Quoted from the Colorado Revised Statutes and the Colorado Division of Insurance. This is general information, not legal advice.
| Question | What Colorado says | Source |
|---|---|---|
| Can they raise my rate or non-renew after a hail claim? | Yes, nothing in Colorado law forbids it. The DOI says there are no laws that address non-renewal after a hail storm, but “if you have had multiple losses (including hail) an insurer may consider non-renewing the policy.” | Colorado DOI, Hail FAQ |
| Can they drop me for just asking a question? | No. An insurer “may not cancel or fail to renew coverage of an insured solely because the insured inquires about coverage” when the inquiry isn’t related to an actual claim. | C.R.S. 10-4-110.8(1) |
| How much warning do I get? | At least 60 days, by first-class mail, with the specific reasons. Non-payment cancellations need 10 days. | C.R.S. 10-4-110.7(3) |
| Do they have to tell me they use claims history? | Yes, during the application. And if claims history causes an adverse action, they must disclose the specific claim information. | C.R.S. 10-4-110.7(2) |
| Who can see my claims? | Insurers may share claim information only with databases that compile claims for underwriting or rating, such as C.L.U.E. | C.R.S. 10-4-110.8(2) |
| Can I get a copy of my policy? | Yes. Within 3 business days of asking (a certified copy within 30 days). Get it before you decide. | C.R.S. 10-4-110.8(10) |
| Will they tell me if my policy language changes? | Yes. At renewal they must describe changes in policy language for that period. Read it: deductibles and roof terms change here. | C.R.S. 10-4-110.8(9) |
| Can a roofer cover my deductible? | No. Contractors can’t pay, waive, or rebate it. | C.R.S. 6-22-105 |
Statute text checked Oct 13, 2026. Laws change; confirm with the Colorado Division of Insurance (303-894-7499).
Is it worth a claim?
Do the deductible math first.
Many Colorado policies now use a percentage wind/hail deductible, often 1%, 2% or 5% of your dwelling coverage, not your claim amount. The DOI’s reminder: if the damage estimate is below your deductible, the insurer won’t issue a payment. Colorado DOI advisory
Example: $500,000 of dwelling coverage at 1% is a $5,000 deductible. At 2% it’s $10,000. A $7,000 repair is a claim on the first policy and out-of-pocket on the second.
Rule of thumb we use: if the documented storm damage isn’t clearly above your deductible, we’ll tell you not to file and quote the repair instead.
Quick deductible check
Numbers are on your declarations page. Nothing is saved or sent.
Your hail deductible: —
Storm damage needs to be well above this before a claim makes sense. Have us measure it free →
Why premiums move
Your claim is only one piece of the price.
Nationally, Policygenius estimates premiums rise roughly 7% to 10% after a single claim. Source We couldn’t find a reliable Colorado-only figure, so we won’t make one up.
Your own claims history
Number and type of claims on your C.L.U.E. report over the last seven years. Multiple claims weigh more than one.
Your area’s storm losses
Front Range hail affects whole neighborhoods. Rates can rise across an area after a bad season, whether or not you filed.
Your roof itself
Age and material matter. Colorado’s Insurance Commissioner has urged homeowners replacing a roof to ask about discounts or deductible savings for hail-resistant material. DOI
Your policy terms
Deductible type, ACV vs replacement cost on the roof, and endorsements. Your renewal must flag policy-language changes. 10-4-110.8(9)
Step one
Was your street actually hit?
Look up NOAA-reported hail near your city going back to 2016. If a 1-inch-plus storm came through and nobody has been on your roof, it’s worth a free look.
Your claim record
Check your C.L.U.E. report in 5 minutes.
Most insurers look up claims on the LexisNexis Comprehensive Loss Underwriting Exchange. It holds up to seven years of home and personal property claims, including claims on the house before you owned it. CFPB
- Request your free report (one every 12 months) at consumer.risk.lexisnexis.com or 866-897-8126.
- Look for anything you didn’t file, or a “claim” that was really just a phone question.
- Dispute errors. Under federal law the reporting company must investigate for free.
Buying a home? Ask the seller for the property’s C.L.U.E. report. A roof replaced on a recent claim is good news; three open hail claims is a question to ask.
Before you call your insurer
Say “question,” not “claim.”
Colorado protects coverage questions that aren’t tied to an actual claim. Make it clear you’re asking about coverage, ask for a copy of your policy (they owe it to you within 3 business days), and don’t describe damage you haven’t had inspected yet.
Not sure if you should file?
Get a free inspection first. We tell you honestly if it’s worth a claim.
Before your insurer ever hears about it. If it’s not worth filing, you’ll hear that from us.
Free inspection
We walk the roof, gutters, siding, paint, and windows, take detailed close-up photos, and tell you straight whether a claim makes sense.
We document & file
We help you open the claim and build the photo report, so the damage is on record before the adjuster shows up.
We meet your adjuster
We’re on site for the inspection. If the estimate comes in light or gets denied, we document what was missed and explain your options under your policy, including appraisal.
Build & final walkthrough
Crews tear off, install, and clean up. We walk the job with you at the end.
A real Homey claim
$2,281 → $58,171
A Colorado Springs homeowner’s insurer first offered $2,281.80. Homey’s full inspection documented the roof, gutters, downspouts, exterior paint, and fence damage, and the claim was approved for $58,171.79 in repairs.
“During the inspection, they discovered hail and wind damage. Although my insurance company initially denied the claim, Allie and her team were relentless. They advocated on my behalf and successfully got the roof approved, but they didn’t stop there. Thanks to their thorough process, I also received approval for full exterior paint and gutter replacement.” Magda P. · Google review, quoted word for word
Every claim is different. Coverage depends on your policy and your insurer. Denied or came in low? Start here →
Reviews
What homeowners say about working with us.
★★★★★ 4.8 on Google · 160 reviews
Real Google reviews, shortened.
★★★★★
“She managed communication with the insurance adjuster and kept me informed about timelines/expectations. She even came back afterwards to look things over with me.”
Homeowner · Google review, Feb 2026
★★★★★
“I’m a second-time customer with Homey Roofing and Restoration, and once again, they excelled… We had hail damage from a recent storm, and with the help of the Homey team, I was able to get not just the roof but also exterior paint and gutters/downspouts added to my insurance claim.”
Jim K. · Google review
New in 2026
Strengthen Colorado Homes: grants for hail-resistant roofs.
Colorado passed SB 26-155, signed on June 4, 2026. It creates a state program that will give grants for roof retrofits that earn a FORTIFIED or similar wind and hail certification. SB 26-155 (Colorado General Assembly)
- Funded by a 0.5% annual fee on homeowners insurers, starting in 2027. Insurers can’t pass the fee on to policyholders.
- A board will set eligibility, weighing income, roof age, home size, and weather risk, with priority for primary residences.
- Insurers must report each year on their resilient-roof discounts and wind and hail claims.
What that means today: grants aren’t open yet. If you’re replacing a roof now, ask your insurer what discount a Class 4 roof earns, and keep your paperwork. We’ll update this page when applications open. Full guide: Colorado’s FORTIFIED roof law →
Will a new roof help my rate?
Often, yes. Many carriers price roof age and material. Ask your agent two questions before you choose shingles: “What discount do I get for a Class 4 impact-resistant roof?” and “Does a new roof change my roof payment schedule or deductible?”
Insurance FAQ
Questions Insurance homeowners ask us.
Call or text (720) 948-5726, Mon–Sat 9–7.
Related pages:
Does homeowners insurance go up after a roof claim in Colorado?
It can. Colorado has no law that stops an insurer from raising your rate or non-renewing your policy because of a hail or wind claim. What Colorado law does: it protects you for just asking a question about coverage (C.R.S. 10-4-110.8(1)), and it requires at least 60 days’ written notice, with the specific reasons, before an insurer cancels or refuses to renew (C.R.S. 10-4-110.7(3)).
Will my insurance company drop me for one hail claim?
One claim usually isn’t the issue. The Colorado Division of Insurance says there are no laws that address non-renewal after a hail storm, but that an insurer may consider non-renewing if you’ve had multiple losses, including hail. If they do, they must mail you notice at least 60 days ahead with the reasons.
Does calling my agent with a question count as a claim?
Under Colorado law, an insurer can’t cancel or non-renew you solely because you asked about your coverage, as long as the question isn’t tied to an actual claim (C.R.S. 10-4-110.8(1)). Be clear on the phone: say you’re asking a question, not opening a claim. Note that the statute defines a claim broadly, including any demand for payment.
How long does a roof claim stay on my record?
Most insurers check the LexisNexis C.L.U.E. database, which keeps up to seven years of home and personal property claims. You can get one free copy of your own report every 12 months at consumer.risk.lexisnexis.com or 866-897-8126, and dispute anything that’s wrong.
How much do rates go up after a claim?
There is no Colorado-specific number we can cite. Nationally, Policygenius estimates roughly 7% to 10% after a single claim. Your actual change depends on your carrier, your claims history, and how much storm loss your whole area has had, so ask your agent directly.
Is it worth filing a claim if the damage is close to my deductible?
Often not. If the repair is below your deductible, the insurer won’t pay anything, but the claim can still be on record. Many Colorado policies use a percentage wind/hail deductible (1%, 2% or 5% of your dwelling coverage), so know your number first. That’s exactly what our free inspection is for.
Does Homey report my inspection to my insurance company?
No. A free Homey inspection is between you and us. Nothing goes to your insurer unless you decide to file a claim.
Can a roofer pay or waive my deductible?
No. Colorado law (C.R.S. 6-22-105) bars roofing contractors from paying, waiving, or rebating your deductible. If someone offers, walk away.
What is the Strengthen Colorado Homes program?
A state program created by SB 26-155, signed June 4, 2026. It will give grants for roof retrofits that earn a FORTIFIED or similar wind and hail certification, funded by a 0.5% annual fee on insurers starting in 2027. Insurers can’t pass that fee on to policyholders. Eligibility rules aren’t set yet, so grants aren’t open today.
Sources: C.R.S. 10-4-110.8 · C.R.S. 10-4-110.7 · C.R.S. 6-22-105 · Colorado DOI Hail FAQ · Colorado DOI advisory, May 31, 2024 · CFPB: LexisNexis C.L.U.E. · Policygenius · Colorado General Assembly: SB 26-155 · Colorado DOI: Strengthen Colorado Homes. Written by Jeff Kish, founder of Homey Roofing and Restoration (in roofing since 2009). Reviewed by Allie Whitworth, Homey sales & operations and licensed Colorado REALTOR® with RE/MAX Professionals. Last reviewed Oct 13, 2026. General information, not legal or insurance advice; your policy controls.