Colorado Springs weather can turn violent fast — and when a hailstorm rolls through, it can leave behind a trail of damage. Roofs, stucco, windows, garage doors — all vulnerable. But here's the good news: most of this damage is often covered by your homeowner's insurance.
This quick guide will show you exactly what to do after a hailstorm to protect your home and make sure your insurance pays what it should.

Step 1: Stay Safe and Do a Quick Visual Check
Before anything else, make sure there’s no active danger. Look for:

• Downed power lines
• Broken glass or debris
• Leaks inside the home
• Water spots on ceilings

If it’s safe, walk around the outside of your home and take quick notes of visible damage — missing shingles, dented gutters, cracked stucco, or broken windows. Make sure to tarp and protect any damaged parts of your home from more damage. This is important when filing an insurance claim.

Step 2: Call for a Free, No-Obligation Inspection
Don’t call your insurance company yet.
Call a licensed contractor (like MD Roofing) for a free storm damage inspection. Why? Because if there’s no real damage, you don’t want a claim on your record.
We document everything and let you know if the damage is worth filing a claim — and if it is, we’ll guide you every step of the way.

Step 3: File a Claim (The Right Way)
Once your contractor confirms damage, it’s time to notify your insurance. You’ll need:

• Your policy number
• The date and time of the storm
• Photos of damage (we’ll help provide those)

Make sure you request a claims adjuster to visit your property — we’ll meet them on-site to ensure nothing is missed.

Step 4: Work with a Contractor Who Specializes in Insurance Claims
This is where most homeowners get shortchanged.
At MD Roofing, we don’t just fix roofs. We help you recover everything:

• ✅ Roof & gutter repair
• ✅ Stucco & siding repair
• ✅ Window replacement
• ✅ Garage door restoration
• ✅ Exterior painting touch-ups

We’re licensed, local, and we know what insurance is supposed to cover. You shouldn’t have to settle for patchwork when you pay for full coverage.

Step 5: Relax — We Handle the Rest
From meeting with the adjuster to fighting for every dollar of your claim, MD Roofing makes it simple. Most of our clients only pay their deductible. The rest? Covered.

Bonus Tip: Don’t Wait Too Long
Insurance companies put time limits on storm claims. Hail damage today might not leak for months, but by then your claim could be denied.
We recommend inspections within 48–72 hours after a storm.


Think your home may have storm damage?

Call MD Roofing today for a free inspection. We’ll check your roof, windows, stucco, and more — and help you get it covered by insurance.
📞 (719) 591-2142
🌐 https://www.md360roofing.com/
🕑 Available 24/7 during storm season

It is Springtime in Colorado Springs, and this is a great time to inspect the exterior of your home for any damage it may have sustained during the past Winter.

Snow, wind, sun, and widely fluctuating temperatures can take a toll on the exterior of your home, especially your roof.
​
Here are some tips and things to look for to keep your home in peak condition now and for years to come.  

If you’ve recently filed a homeowners insurance claim for roof damage—whether from hail, wind, or a storm—you might have experienced a frustrating surprise: the check from your insurance company is significantly less than the actual cost to replace your roof.

You’re not alone. Many homeowners don’t realize their insurance policy includes a roofing schedule that applies depreciation to their roof’s value. At MD Roofing and Solar, we deal with this issue every day—and we want to help you understand what’s going on and what your next steps should be.

What Is a Roofing Schedule?
A roofing schedule is a clause in some homeowners insurance policies that limits how much your insurer will pay for roof damage based on the age and type of your roof.

Instead of paying the replacement cost value (RCV)—which covers the full cost to replace the roof—your insurer pays actual cash value (ACV), which is the RCV minus depreciation.

In simple terms:
RCV – Depreciation = ACV (What the Insurance Pays You)

How Depreciation Affects Your Payout
Your roof loses value as it ages—just like a vehicle. That depreciation is used to reduce your claim payout. Here’s what it can look like:
Roof Age        Payout % of Replacement             
0–5 years                      Up to 100%
6–10 years                     60–80%
11–15 years                  30–50%
16+ years                       0–25%

This means you could be left responsible for thousands of dollars even when your claim is approved.
​That gap can be a serious financial hit, especially if you weren’t expecting it.

Why Insurance Companies Use Roofing Schedules
Insurance companies implement roofing schedules to limit large payouts, particularly in high-claim areas like Colorado, where hail and wind damage are common. While this helps insurers manage risk, it often leaves homeowners holding the bag.

What It Means for You
Just because your claim was approved doesn't mean you're getting a check for the full amount of the work needed. If your roof is older, your payout could be dramatically reduced—and you’ll be expected to cover the difference out of pocket.

We regularly see homeowners caught off guard by this. One of our clients had a 14-year-old roof with storm damage and only received 40% of the total replacement cost from their carrier.

What You Can Do Next

At MD Roofing and Solar, we help homeowners navigate this situation every day.
Here’s what we recommend:
​

1. Review Your Policy
   Not all policies are the same. Look for key terms like “actual cash value,” “depreciation,” or “roof schedule.” If you’re unsure, we’ll help you break it down.
2. Get a Professional Roof Inspection
   Our team provides free inspections and insurance claim support. We’ll review the insurance estimate, identify any missing items, and make sure your claim is accurate and fair.
3. Explore Financing If Needed
   If you’re underpaid due to depreciation, don’t panic. We offer flexible financing options to help you get the work done without delay.
4. Upgrade Your Coverage (Before the Next Storm)
   After your claim is settled, we recommend speaking with a trusted insurance advisor about switching to a replacement cost value (RCV) policy for the future. It’s usually just a few extra dollars a month and can save you thousands when the next storm hits.

Final Thoughts from MD Roofing and SolarRoofing schedules and depreciation are confusing—and most homeowners only find out about them after a damaging storm. That’s why MD Roofing and Solar exists: to be your advocate in the insurance process and help you get the roof you need without being blindsided.

If you’ve received a low payout or need help understanding your claim, call us today at 719-591-2142 or visit our website to schedule a free inspection and policy review. Let’s make sure you’re not left paying for something you didn’t expect.

MD Roofing and Solar
📞 719-591-2142
📍 Proudly serving Colorado homeowners with honest, experienced storm damage support