Colorado roof claim deadlines: what your insurer has to do, and by when

After a hail or wind loss the insurer is on a clock. We read the Colorado rules (Colorado Division of Insurance Regulation 5-1-14 (3 CCR 702-5) and C.R.S. 10-4-110.8) and put each time limit in one table, with the section number so you can check it. Enter your dates to see the days that matter.

Enter a date to see the latest day for each step.

Business days skip Saturdays and Sundays only; public holidays are not subtracted, so a real deadline can be a day or two later.

Illustration of a homeowner at a table reading an insurance policy, with a damaged roof visible through the window
Illustration generated with AI.

Every clock in Colorado, with its source

Time limits for a property claim in Colorado
WhoWhat has to happenDeadlineRule
Insurer Make a decision on your first-party property claim and/or pay the benefits due
Counted from receipt of a valid and complete claim, which the rule defines as all documents received, the investigation finished and the policy conditions met. It does not apply where there is a reasonable dispute, such as information still missing or an appraisal under way. A good faith offer within 60 days also meets the rule (§4.A.3). After a major catastrophe an insurer may ask the Commissioner for a deviation or exemption (§4.A.8). If an insurer misses the 60 days with no reasonable dispute, the Commissioner may order it to pay 8 percent annual interest on the benefits due (claims over $100).		 60 days 3 CCR 702-5, Reg. 5-1-14 §4.A.1.a
Insurer Give you a paper or electronic copy of your homeowner's policy, with the declarations page and endorsements, if you ask
A certified copy must be available within 30 days after you ask.		 3 business days C.R.S. §10-4-110.8(10)

Text last checked 2026-10-06. Laws change; confirm on the linked source before you rely on a date.

Read this first. This is general information from public rules, not legal advice. These are claims-handling standards for insurers, not a deadline for you to file. Colorado law also lets a person whose claim was unreasonably delayed or denied sue for two times the covered benefit plus attorney fees and court costs (C.R.S. 10-3-1116). Your policy sets its own notice and suit limits. A public adjuster or attorney licensed in Colorado can tell you how these rules apply to your claim. For complaints, start with the Colorado Division of Insurance.

Why timing matters here: hail in Colorado

In our NOAA data for 9 covered Colorado cities there were 456 city-days with hail of 1 inch or larger between January 2014 and June 2026, and the largest stone reported was 4.25 inches. Reports peak in Jun. After a big storm many neighbours file at once, so the first weeks are when the clock for your own claim is easiest to lose track of.

8442668457248728JanFebMarAprMayJunJulAugSepOctNovDec

Hail reports by month, summed over the 9 covered cities (NOAA Storm Events, 2014 to June 2026). City-days can count the same storm in several cities.

What to do in the first week

  1. Photograph the damage and note the storm date. The hail claim checklist lists what to capture.
  2. Report the claim in writing (email or the insurer's portal) and save the date you sent it. That date starts the first clock.
  3. Keep a log of every paper you send. The "last paper" date is what starts the decision clock.
  4. Get a roofing inspection and estimate. Compare the number against the insurer's. Find a Colorado roofer.

Colorado cities we cover

CityRoof ageHailRoofers
ArvadaHow old are the roofsStorm historyRoofers
BoulderHow old are the roofsStorm historyRoofers
DenverHow old are the roofsStorm historyRoofers
Fort CollinsHow old are the roofsStorm historyRoofers
GreeleyHow old are the roofsStorm historyRoofers
LongmontHow old are the roofsStorm historyRoofers
LovelandHow old are the roofsStorm historyRoofers
PuebloHow old are the roofsStorm historyRoofers
WestminsterHow old are the roofsStorm historyRoofers

Other states

Texas, Missouri, Iowa, Minnesota, Arkansas. All states we have checked.