What should I do if my roof is damaged by hail or wind?
(1) Document damage with photos. (2) Don't make permanent repairs until insurance inspects (unless emergency). (3) Call us immediately—we file the claim and coordinate with the adjuster. (4) We can recommend trusted local contractors in Casper, Fort Collins, or your area. (5) Once approved, insurance pays the contractor directly (usually). Hail claims are common here; we handle them routinely and fight for fair settlements.
Let's Dive Deeper Into The Answer
From May hailstorms to Wyoming wind damage, we know Mountain West weather risks inside and out. Our local knowledge translates complicated claims processes into clear, actionable steps that protect your interests.
STORM DAMAGE EXPERTISE
Understanding Wyoming hail seasons, Colorado Front Range wind patterns, and how to document damage properly so your claim gets approved the first time—not denied on technicalities.
CLAIMS ADVOCACY
We file your claim, coordinate with adjusters, and fight for fair settlements so you don't face low-ball offers or claim denials alone. Your advocate through the entire process.
Protect what matters
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Local Expertise You Can Trust
Instead of being stuck with one company's options, JWR compares rates and coverage across multiple top carriers. One call gets you access to multiple quotes, saving you time and money. Most families save $400+ per year when they switch.
We Shop 20+ Carriers
Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
We're There When It Matters Most
Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
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No jargon. No fine print surprises. JWR explains everything like you're sitting at their kitchen table—because that's how they'd want to be treated. Coverage options are clear, bundles show real dollar savings, and you decide without sales pressure.
YOUR CLAIM SUPPORT STARTS HERE
Talk to a local expert who handles storm damage claims every day
REAL ANSWERS. REAL PEOPLE.
Step-by-step guidance for handling roof damage claims in Wyoming and Colorado.
IMMEDIATE STEPS AFTER ROOF DAMAGE
First, stay safe—don't climb on your roof to inspect damage yourself. Once it's safe, document everything with photos from ground level showing dents, missing shingles, or visible damage. Take wide shots of the whole roof and close-ups of specific damage areas. Don't make permanent repairs until your insurance company inspects the damage—temporary fixes to prevent further damage (like tarping a hole) are fine and often required, but replacing the whole roof before the adjuster sees it can complicate or even deny your claim. Call us immediately at (307) 555-0123 so we can file the claim right away and get the process started. Time matters because insurers have deadlines, and Wyoming hail damage claims during May through August storm season can back up adjusters for weeks.
HOW THE CLAIMS PROCESS WORKS
Once we file your claim, your insurance company sends an adjuster to inspect the damage—usually within 5-10 business days, though it can take longer during busy hail seasons in Casper or Fort Collins. The adjuster determines what's covered and estimates repair costs. This is where having us in your corner matters. We review the adjuster's report, challenge low estimates, and make sure you're getting what your policy actually covers. Many homeowners don't realize their policy includes full replacement coverage, not just repairs, and we make sure insurers honor that. Once your claim is approved, insurance typically pays the contractor directly in two stages: partial payment upfront and final payment after work is completed. Your deductible (usually $500-$2,500 depending on your policy) comes out of the total claim payout.
TRUSTED LOCAL CONTRACTORS AND NEXT STEPS
We can recommend trusted, licensed contractors in Casper, Fort Collins, Cheyenne, or wherever you are in our service area—roofers who do quality work and won't disappear after cashing your check. Avoid storm chasers who knock on doors right after hail hits promising quick fixes but deliver shoddy work or never finish. Get at least three estimates and check contractor licenses and references. We handle hail and wind damage claims routinely—hundreds every year across Wyoming and Colorado—and we know what fair settlements look like. If your claim gets denied or the payout seems too low, call us before you accept it. We fight for fair treatment because we live here too, and your home matters.
Looking for more FAQs?
It depends on your location. If you're in a FEMA flood zone or near a river/creek, flood insurance is essential—standard home insurance DOES NOT cover flood. Even if you're not in a flood zone, flash flooding happens. Wyoming's sudden storms and Colorado's seasonal flooding make it worth considering, especially if you're in Casper's North Platte area or along Front Range streams. We can assess your risk.
(1) Document damage with photos. (2) Don't make permanent repairs until insurance inspects (unless emergency). (3) Call us immediately—we file the claim and coordinate with the adjuster. (4) We can recommend trusted local contractors in Casper, Fort Collins, or your area. (5) Once approved, insurance pays the contractor directly (usually). Hail claims are common here; we handle them routinely and fight for fair settlements.
Covers: Your home structure, attached garage, roof, personal belongings, liability if someone is injured on your property, and temporary housing if your home becomes uninhabitable. Doesn't Cover: Flood (separate policy), earthquakes (separate endorsement), wear and tear, and maintenance issues. Some policies exclude certain water damage scenarios. Review your specific policy or ask us to clarify.
Home insurance in Wyoming and Colorado typically ranges from $800-$1,800 annually for $300,000-$500,000 homes, depending on age, construction, location, and deductible. Hail-prone areas (Casper, Fort Collins) may cost slightly more. Most homeowners save $300-$800/year by bundling with auto insurance and shopping multiple carriers. Get a free quote based on your home's specifics.
Actual Cash Value (ACV): If your 20-year-old roof is damaged, you're paid its depreciated value ($2,000), not the $15,000 cost to replace it. You pay the gap. Replacement Cost (RC): You're paid the full $15,000 to replace the roof, regardless of age. RC costs more in premiums but protects you fairly. For homes in hail-prone Wyoming and Colorado, we recommend RC for dwelling and personal property coverage.
Ask your agent: "Is this Replacement Cost (RC) or Actual Cash Value (ACV)?" With RC, you're paid the full cost to rebuild today—even if it exceeds your policy limit (up to your dwelling limit). With ACV, you're paid depreciated value. We strongly recommend RC. If your home would cost $600,000 to rebuild but you only have $400,000 coverage, you pay the gap. Ensure your dwelling limit reflects current rebuild costs.