Loveland, CO · Larimer County
Loveland roofing, done to Loveland’s rules.Class 4 re-roofs, permits and honest claim help.
Loveland is stricter than most Front Range cities: re-roofs need Class 4 impact-resistant shingles and a City-licensed roofing contractor. Here’s what that means, how to vet any roofing company, and what hail has done near Loveland.
- 4.8★ on Google163 homeowner reviews
- Insurance-claim expertsIn roofing since 2012
- 2-year workmanship warrantyTransferable if you sell
- Financing through SlicePay over time, if approved
- Fort Collins to Colorado SpringsBased in Lone Tree
2026 storms near Loveland
1″+ hail NOAA logged within 10 miles in 2026.
From NOAA Storm Prediction Center reports, April to October 2026, times converted to Mountain Time. Many policies give you one year from the storm to report hail damage; check yours. All 2026 Front Range storm dates →
| Date (Mountain Time) | Hail | Where NOAA logged it | From Loveland center | 1 year later* | Source |
|---|---|---|---|---|---|
| Jun 24, 2026 | 1.75″ | 1 SE Berthoud | 6.8 mi | Jun 24, 2027 | NOAA SPC |
| Jun 24, 2026 | 1.75″ | Berthoud | 6.8 mi | Jun 24, 2027 | NOAA SPC |
| Jun 24, 2026 | 1.5″ | 1 W Berthoud | 6.2 mi | Jun 24, 2027 | NOAA SPC |
| Jun 24, 2026 | 1.5″ | 1 NNW Berthoud | 5.4 mi | Jun 24, 2027 | NOAA SPC |
*Many Colorado policies give you one year from the storm to report hail or wind damage. Check your own policy. SPC report times are UTC; we converted them to Mountain Time.
Hail history
Hail days within 10 miles, by year.
| Year | Hail days within 10 mi | Days with 1″+ hail | Largest report |
|---|---|---|---|
| 2017 | 3 | 2 | 2″ |
| 2018 | 6 | 6 | 1.75″ |
| 2019 | 6 | 5 | 1.75″ |
| 2020 | 2 | 0 | 0.88″ |
| 2022 | 1 | 1 | 1″ |
| 2023 | 3 | 3 | 1.75″ |
| 2024 | 2 | 2 | 1.75″ |
| 2025 | 3 | 1 | 1″ |
| 2026 | 1 | 1 | 1.75″ |
NOAA NCEI Storm Events Database, April 2016 through June 2026, reports within 10 miles of the city center. Many storms are never reported, so real counts are higher. NOAA NCEI Storm Events
Roofing services
What Homey does for Loveland homeowners.
Roof, gutters, siding and windows on one inspection, one photo report and one contract.
Roof replacement in Loveland
Full tear-off with Owens Corning shingles, Class 4 options, permit pulled and inspections booked.
Roof repair in Loveland
Wind-lifted shingles, flashing, vents and leaks, documented with photos before and after.
Hail & insurance claims
Dated photo report, adjuster meeting, supplements with evidence. Your insurer decides coverage.
Seamless gutters
Sized to your roof planes and hung under the drip edge so water can’t run behind them.
Siding repair & replacement
Hail-cracked vinyl and swollen hardboard, matched honestly and flashed right at the roof line.
Windows, screens & wraps
Torn screens and dented wraps are easy to leave off a claim, so we photograph each one.
See the cost guide · Get an instant roof price · Financing through Slice, if approved.
No stock photos, no borrowed jobs
We only post photos from real Homey jobs, and we don’t have Loveland jobs to show you yet. So judge us on the inspection: dated photos of every slope, a straight answer on repair vs. replacement vs. claim, and a written, line-item quote. Homey is based in Lone Tree and serves the Front Range from Fort Collins to Colorado Springs.
Permits & licensing
What Loveland requires on a new roof.
These are the items to look for on any estimate, and what an adjuster’s scope sometimes misses.
Loveland re-roof rules
- A re-roof needs a permit. Like-for-like repairs of 100 sq ft or less don’t; repairs over 100 sq ft up to 49% of the roof need a roof permit.
- Replacing 50% or more of the roof means asphalt shingles must be Class 4 impact-resistant (UL 2218). Repairs of 49% or less may match the existing shingles even if they aren’t impact-rated.
- Ice barrier is required, from the eave to at least 24″ inside the exterior wall; on 8:12 or steeper slopes it also runs at least 36″ up from the eave.
- Drip edge is required at eaves and rakes. Buckled, rusted, bent or cracked flashing can’t be reused.
- Repairs aren’t allowed where the roof already has two or more layers.
- Class A fire-rated roofing is required inside the Loveland Fire Rescue Authority wildland-urban interface area.
- The contractor documents the mid-roof inspection with photos. For the final, the City wants a signed affidavit and dated whole-house photos one day before, and a ladder set for the inspector.
Source: City of Loveland re-roofing packet (effective Jan 1, 2026) · Loveland policy BDP-22-01, roofing permit changes. Checked Nov 9, 2026. Codes change; we confirm with the building department on every permit.
Choosing a roofing contractor in Loveland
Loveland requires anyone hired to do roofing to hold a City of Loveland contractor license, and the re-roof application must be signed by the license holder. Roofing licenses are issued for two years and require an ICC exam (or a license from a reciprocal jurisdiction) and at least $1,000,000 in liability insurance naming the City as certificate holder. Before you sign with any roofing company, ask for its Loveland license number, or call the City at 970-962-2505 to verify.
Sources: City of Loveland: Permitting FAQ · Loveland contractor license instructions.
Loveland local guide
Roofing in Loveland: neighborhoods, HOAs and weather.
Which Loveland neighborhoods do you serve?
Wildfire and the west side
West of town, toward the foothills, Loveland Fire Rescue Authority’s wildland-urban interface area requires Class A fire-rated roofing. We check whether your parcel is inside it before we spec a roof.
HOAs
Newer subdivisions like Centerra usually have design review for roof color and material, and Loveland’s re-roof packet recommends working with the HOA and neighbors when attached homes share a roof. 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).
Loveland hail, at a glance
NOAA’s Storm Events Database lists 66 hail reports within 10 miles of Loveland from April 2016 through June 2026, on 27 different days; 48 were 1 inch or larger. The largest was 2 inches near Windsor on June 12, 2017. In 2026, NOAA’s Storm Prediction Center logged 1.5″ to 1.75″ hail around Berthoud on June 24.
What that means for your roof
Loveland sees fewer hail reports than the Denver metro, but Class 4 rules mean a full re-roof here costs more in materials than in cities that don’t require them. That makes a careful inspection matter: a repair under 50% can match existing shingles, while a full replacement must go Class 4. We’ll show you which side of that line your roof is on, with photos.
Not sure hail hit you? Check from the ground first, or see what a new roof costs.
Insurance claims
From the first look to the final check. You stay in charge of your claim.
Check from the ground
Dented gutters, torn screens or bent A/C fins are the first clue. Here’s how to look.
Free roof inspection
Detailed close-up photos of every slope, date-stamped, and an honest answer on whether the damage is worth a claim.
You file, we document
You file with your insurer. We send the photo report and can meet the adjuster on site as your contractor.
Build & permit
We pull the permit, book the inspections and finish with photos and a 2-year transferable workmanship warranty.
Colorado law bars roofers from paying, waiving or rebating your deductible (C.R.S. 6-22-105). Coverage decisions are made by your insurer under your policy.
FAQ
Questions Loveland homeowners ask us.
How do I choose a roofing company in Loveland, CO?
Start with the City license: Loveland requires roofing contractors to hold a City of Loveland contractor license, and the re-roof permit must be signed by the license holder. Then ask for proof of insurance, a written contract that meets Colorado’s roofing law, and photos of your own roof, not a sales pitch. You can verify a license by calling the City at 970-962-2505.
Does Loveland require Class 4 shingles?
Yes, when 50% or more of the roof is replaced. Loveland requires Class 4 impact-resistant asphalt shingles tested to UL 2218. Repairs of 49% or less may use shingles that match the existing roof, even if they aren’t impact-rated.
Do I need a permit to repair my roof in Loveland?
Like-for-like repairs of 100 square feet or less don’t need a permit. Repairs over 100 square feet up to 49% of the roof need a roof permit, and anything 50% or more is a full re-roof with a permit and Class 4 shingles.
Does insurance pay for Class 4 shingles if Loveland requires them?
Often, through ordinance-or-law (code upgrade) coverage, if your policy has it. Check your declarations page for that coverage and its limit, and make sure the code requirement is on the insurer’s scope.
How often does Loveland get hail?
NOAA lists 66 hail reports within 10 miles of Loveland from April 2016 through June 2026, on 27 separate days. In 2026, the Storm Prediction Center logged hail up to 1.75 inches near Berthoud on June 24.
What inspections does a Loveland re-roof need?
A mid-roof inspection documented by the contractor with photos of decking, underlayment, ice barrier, flashing and nailing, and a final inspection. The City asks for a signed affidavit and dated whole-house photos one day before the final.
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 insurance deductible, or promising to.
Do you have Loveland jobs I can see?
Not yet, and we won’t borrow photos from other cities and call them Loveland. Your free inspection comes with dated photos of your own roof.
Nearby service areas and guides
Sources
Opened and checked November 9, 2026 unless noted. Hail data: NOAA NCEI Storm Events (April 2016–June 2026) and NOAA SPC 2026 reports, within 10 miles of the city center.
- NOAA NCEI Storm Events Database
- NOAA Storm Prediction Center daily storm reports, 2026
- City of Loveland: re-roofing packet (effective Jan 1, 2026)
- City of Loveland: policy BDP-22-01, roofing permit changes
- City of Loveland: Permitting FAQ
- City of Loveland: contractor license instructions
- C.R.S. 38-33.3-106.5 (HOA roofing material rules)
- C.R.S. 6-22-105 (roofers may not pay or waive deductibles)
Homey Roofing and Restoration, in roofing since 2012. 10623 Ladera Pt, Lone Tree, CO 80124. Call or text (720) 948-5726, Mon–Sun 9–7.