Whenever Colorado weather, particularly hail, rips through a community, homeowners are faced with the task of hiring a roofing contractor to repair the damage. The Colorado Roofing Association, a non-profit organization whose purpose is to help educate individuals and building owners about roofing in Colorado, would like to remind home and commercial building owners alike to:
Be sure to educate yourself on the new requirements before selecting a contractor for your roof repair needs.
Take time to follow the necessary steps and understand that quality contractors will be busy shortly after a major storm. Find out what you need and who you’re working with! If your roof isn’t leaking, it can usually wait until the contractor you feel most comfortable with can schedule your roof. Insurance companies will usually extend time requirements in disaster situations.
It is solely the insurance adjuster’s job to assess the damage. It is the homeowner’s responsibility to choose the roofing contractor. Deductibles and insurance quotes should remain between the homeowner and the insurance company. A roofing contractor should not get involved in paying a deductible for a homeowner. It is illegal for a roofing contractor to offer to cover your deductible either in full or with coupon or advertising allowance (Colorado Revised Statute 18-13-119.5). They shouldn’t need to see an insurance quote in order to be able to do an INITIAL estimate for you.
Understanding the Claims Process – to understand how the homeowners claim process works, we also suggest you visit the Rocky Mountain Insurance Information Association’s website. RMIIA has helpful information to answer your insurance questions and a step-by-step guide to educate you on the insurance settlement process. Reviewing their “Hail Statistic” page will also help you become more informed and offers additional tips on what to do after a hail storm including a Hail Preparedness Toolkit flyer.
CRA contractor members, upon joining the association, fulfill the following eligibility requirements:
CRA is not responsible for the workmanship or warranties of member contractors.
The CRA is not a consumer agency and is not equipped to handle disputes between consumers and contractors. Please review the content in this site for general information about how to select a professional roofing contractor. For specific disputes, please contact the Better Business Bureau nearest you.