Silver Maple Circle, Highlands Ranch
Insurance roof replacement · Paid and closed
Highlands Ranch, CO · Douglas County
Highlands Ranch roof replacement & hail repair.HRCA paperwork included.
We’re 10 minutes away in Lone Tree. Free inspection with photos, help with your insurance claim, and we put together your HRCA roof submittal so approval doesn’t hold up the job.
124NOAA hail reports within 10 mi of Highlands Ranch since 2016
40separate hail days within those 10 miles
3″largest within 10 mi: Jun 19, 2018, Englewood (6.7 mi from center)
~5 mifrom Highlands Ranch to our Lone Tree office
- 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
Highlands Ranch hail history
Hail reported within 10 miles of Highlands Ranch.
Highlands Ranch sits right in the south-metro hail corridor. Here’s what NOAA has on record within 10 miles of the center of Highlands Ranch.
Hail days per year, within 10 miles of Highlands Ranch
1″+ hail (quarter size or bigger) smaller hail
*2026 through June. Source: NOAA NCEI Storm Events Database, hail reports within 10 miles of Highlands Ranch, Apr 2016–Jun 2026. Only reported storms are counted.
Reports within 10 miles of the center of Highlands Ranch. Location is where NOAA logged the report (closest report to the center that day), not proof hail fell at the center or on your street.
| Date | Biggest hail | Where NOAA logged it |
|---|---|---|
| Jun 24, 2026 | 1″ (quarter) | Littleton · 4.2 mi from center |
| Jun 1, 2026 | 1.5″ (ping pong ball) | 3 mi WSW of Highlands Ranch · 3.4 mi from center |
| Jun 14, 2024 | 1″ (quarter) | 3 mi WSW of Highlands Ranch · 2.9 mi from center |
| May 30, 2024 | 1.25″ (half dollar) | 5 mi NNE of Greenwood Vlg · 9.9 mi from center |
| Jun 22, 2023 | 2″ (hen egg) | 2 mi WNW of Columbine · 6.4 mi from center |
| Jun 19, 2018 | 3″ (teacup) | Englewood · 6.7 mi from center |
| Jul 15, 2016 | 2″ (hen egg) | 5 mi S of Glendale · 6.1 mi from center |
Why 1 inch matters: hail about the size of a quarter and up can crack or bruise asphalt shingles even when nothing looks wrong from the driveway. If your home was in the path of one of these storms and nobody has been on the roof, it’s worth a free look. Compare other cities →
Homey jobs near you
Roofs we’ve finished in and around Highlands Ranch.
Recent Homey jobs in Highlands Ranch and the neighborhoods next door. Street names only, to respect our customers’ privacy.
S Logan Street, Littleton
Roof replacement · just west of Highlands Ranch
Littleton
Completed Homey project · next door to Highlands Ranch
More Homey roofs nearby:
Fraser River St, LittletonW Fremont Dr, LittletonE Davies Ave, CentennialE Jamison Pl, CentennialS Steele St, Centennial
Highlands Ranch local guide
What should Highlands Ranch homeowners know about their roofs?
How Highlands Ranch grew, where it’s growing next, and what that means for the roof over your head and for solar.
How did Highlands Ranch get started?
Before it was a suburb, this was ranch country. Samuel Allan Long homesteaded here in 1884, and the Highlands Ranch Mansion (“Castle Isabel”) was built between 1891 and 1904; John W. Springer bought the ranch in 1898 and expanded it.
In 1978 the Mission Viejo Company bought the land to build a planned suburb like its Mission Viejo, California, community. The first homes went up in 1981 near South Broadway. Shea Properties acquired the company in 1997 and kept building. Today it is the most populous unincorporated community in Colorado, with 105,631 residents in 2020.
Which Highlands Ranch neighborhoods do you serve?
Highlands Ranch was built outward from 1981, so the oldest roofs are in the north and the newest in the south and west.
NorthridgeEastridgeSouthridgeWestridgeBackCountryPlaza Drive area
What’s being built in Highlands Ranch?
Highlands Ranch is essentially built out. BackCountry, the last major single-family area, is now resale. One of the few new projects is a proposed 165-unit senior affordable apartment building on Plaza Drive, targeting construction in late 2026.
What does that mean for your roof?
With homes from 1981 to the 2010s, a lot of Highlands Ranch roofs are at or past the typical life of an asphalt shingle, and hail keeps accelerating that. HRCA requires Architectural Committee approval for every roof replacement, so we help you submit early.
Because the community is built out, most roof work here is replacement, not new construction. Matching HRCA-approved colors and levels matters.
Thinking about solar in Highlands Ranch? The 30% federal residential solar tax credit (Section 25D) ended for systems installed after December 31, 2025, so a 2026 install has to pencil out on its own savings. That makes the roof underneath matter more, not less. Check HRCA’s rules before adding solar. If the roof is near the end of its life, do the roof first, or both together, so the panels don’t have to come off later. Panels are typically expected to stay up for decades, and pulling them off to re-roof later costs real money. If your shingles are older or hail-worn, the cheapest time to replace them is before the panels go on. Homey Roofing does solar, so we can roof and install in one project, with one crew responsible for every hole in the roof.
Sources: Wikipedia: Highlands Ranch, Colorado · Living in Denver: BackCountry · Highlands Ranch Herald: Plaza Drive senior housing · HRCA Covenants & Improvements · IRS: Residential Clean Energy Credit (25D). Hail data: NOAA NCEI.
Permits
Douglas County rules on a Highlands Ranch re-roof.
Highlands Ranch isn’t a city, so roof permits and inspections go through the Douglas County Building Division, not a town hall. The County’s rules differ from Castle Rock’s and Lone Tree’s.
- A permit is required for 100 sq ft or more, and each structure (house, detached garage) needs its own. We file it.
- Full tear-off to the deck. Existing layers come off, damaged or rusted flashing is replaced, and kick-out flashing is required on every sidewall.
- Drip edge is inspected. The County checks drip edge at the eaves (4″×2″ minimum) as well as doing a final inspection. A mid-roof inspection is only required on tile, slate, stone-coated steel, and other batten systems.
- A secured ladder has to be on site for the inspector. Missed inspections mean a reschedule, so we set it up the day of.
- No new wood shakes. Wood shingles and shakes aren’t permitted in unincorporated Douglas County, so a shake roof gets upgraded to an approved material.
Source: Douglas County Building Division, Roofing Permits and the County’s roofing permit application.
HOAs
HRCA approval, sorted before we start.
The Highlands Ranch Community Association requires Architectural Committee approval for every roof replacement, even a like-for-like one. HRCA has up to 30 days to decide, wants a sample if your color isn’t already on file, and won’t approve a roof that’s a lower “level” than the one you have. Some sub-associations (the Villages, for example) have their own required products on top of that. We help you put the submittal together early so it doesn’t delay your build.
★★★★★
“Allie was familiar with my neighborhood, after replacing many roofs for my neighbors, and knew exactly the type of roof my HOA requires. Allie also brought a sample of the roofing for my meeting with her.”
Homeowner in Centennial · Angi review
Submit early. Complex requests go to the committee, which meets the first and third Wednesday of each month. Source: HRCA Covenants & Improvements.
Highlands Ranch insurance claims
Denied or came in low? That’s where we start.
A lot of Highlands Ranch homeowners call us after the adjuster has already been out. We document what was missed and explain your options under your policy, including appraisal. How denied claims work →
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.
★★★★★
“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
★★★★★
“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
★★★★★
“She made herself available to be at my home during the insurance company’s adjusters’ inspection. She provided good, easy to understand guidelines for this complicated procedure.”
Allan B. · Google review
Real job photos
From our CompanyCam: Centennial.
Every Homey inspection is photographed and time-stamped, so you see what we see. House numbers are blurred.
From a Homey customer
★★★★★
“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, quoted word for word
4.8★ (160+ Google reviews).
Highlands Ranch homes & our services
Highlands Ranch roofing, gutters, siding, windows and paint.
Homey handles roof replacement, roof repair and hail damage in Highlands Ranch, plus the gutters, siding, windows and exterior paint that storms hit at the same time. One local team, one photo report, one contract.
Census data puts the median Highlands Ranch home’s build year at 1997: about 38% of homes were built in 2000 or later, 60% in the 1980s–90s, and 2% before 1980 (U.S. Census ACS 2020–2024).
HRCA reviews exterior changes, including roof, siding and paint colors, under its residential improvement guidelines; we prepare the HRCA submittal for you.
Roof replacement & repair in Highlands Ranch
Highlands Ranch has a mix of 1980s–90s and newer homes, so we see everything from second re-roofs to first-time replacements of builder roofs. Our published price for a full tear-off here is $900–$1,000 per square.
Hail & insurance claims in Highlands Ranch
The NOAA hail record for Highlands Ranch is above. We document roof, gutters, screens, siding and paint on one dated CompanyCam report and meet your adjuster. Your insurer decides coverage; we never promise to cover a deductible.
Seamless gutters in Highlands Ranch
Older gutters and fascia are often due when the roof is. We set drip edge and gutters together so water can’t run behind them.
Siding repair & replacement in Highlands Ranch
Vinyl, fiber cement, engineered wood or older hardboard: hail and Colorado sun are hard on all of them. Matching discontinued profiles and flashing the roof-to-wall joints are where siding jobs go right or wrong.
Windows, screens & wraps in Highlands Ranch
Torn screens and dented aluminum wraps are common hail damage. They’re small and easy to leave off a claim, so we photograph each one.
Exterior painting in Highlands Ranch
Angel, our master painter, uses Sherwin-Williams products, and we paint fascia, soffit and trim right after the roof and gutters so the edges are finished together.
See the cost guide · Get an instant roof quote · Financing through Slice, if approved.
Highlands Ranch local guide
Roofing in Highlands Ranch: neighborhoods, HOAs, permits and hail.
What changes from one Highlands Ranch street to the next, and what we check before we order a single bundle.
HOA rules in Highlands Ranch
Highlands Ranch is governed by HRCA, which requires approval for roof changes under its residential improvement guidelines. Colorado law bars an HOA from requiring wood shakes or other flammable roofing and protects fire-hardened roofing materials, though HOAs can still set reasonable look-and-color rules (C.R.S. 38-33.3-106.5).
Highlands Ranch re-roof permit
We pull the permit and book the inspections. The Highlands Ranch rules, with sources, are further down this page.
Highlands Ranch hail, at a glance
Biggest hail NOAA logged within 10 miles since April 2016: 3″ on Jun 19, 2018. Most recent 1″+ report within 10 miles: Jun 24, 2026. (NOAA NCEI Storm Events, through June 2026.) 2026 storm dates →
Not sure hail hit you? Check from the ground first, or see what a new roof costs.
Highlands Ranch FAQ
Questions Highlands Ranch homeowners ask us.
Call or text (720) 948-5726, Mon–Sat 9–7.
Also serving nearby:
2026 hail storm dates near you →
How long do I have to file a hail claim? →
Check for hail from the ground →
Do I need HRCA approval to replace my roof?
Yes. HRCA requires Architectural Committee approval for every roof replacement, including like-for-like. They have up to 30 days to decide, so we help you submit as soon as the claim is approved.
Who issues roof permits in Highlands Ranch?
Douglas County. Highlands Ranch is unincorporated, so the Douglas County Building Division issues the permit and does the inspections. We pull it for you.
Can I replace my wood shake roof with new shakes?
No. Wood shingles and shakes aren’t permitted in unincorporated Douglas County. HRCA also won’t approve a lower-level material, so we’ll show you approved options that satisfy both.
How often does Highlands Ranch get hail?
NOAA lists 124 hail reports within 10 miles of Highlands Ranch from April 2016 through June 2026, on 40 separate days. The biggest in that radius was 3-inch hail logged near Englewood, about 7 miles from the center of Highlands Ranch, on June 19, 2018. The most recent 1-inch-plus report in our data was June 24, 2026, in Littleton, about 4 miles from the center.
Will insurance cover my roof?
If hail or wind damaged it, your homeowner’s policy may cover it, minus your deductible. Coverage depends on your policy. We inspect for free and tell you honestly whether it’s worth filing.
How do I book an inspection?
Book online, call, or text (720) 948-5726. We’re 10 minutes away in Lone Tree.
When was my Highlands Ranch home built?
The first homes went up in 1981 near South Broadway, and building moved south and west through the 2000s and 2010s. The older your area, the more likely the roof is due.
Can you help with the HRCA roof submittal?
Yes. HRCA requires Architectural Committee approval for every roof replacement. We put the submittal together with you so approval doesn’t hold up the job.
Besides roofing, do you do gutters, siding, windows and paint in Highlands Ranch?
Yes. We replace gutters, repair and replace siding, handle hail-damaged windows, screens and wraps, and do exterior painting in Highlands Ranch, usually on the same job and the same insurance claim as the roof, so one team is responsible for the whole outside.
Can one hail claim in Highlands Ranch cover the roof, gutters and paint?
Often, when the storm damaged them. Gutters, downspouts, screens, siding and paint are commonly part of a hail claim. We photograph every elevation so they’re on the record; your insurer decides what’s covered, and you pay your deductible.
My Highlands Ranch home was built in the 1990s. What should I have checked?
On a 1990s home we look closely at the roof’s age and layers, the decking, the flashing where roofs meet walls, gutter size and fascia, and any older siding or paint. Builder-grade roofs and gutters from that era are often due after a few hail seasons. The free inspection covers all of it, with photos.