Class 4 vs Standard Asphalt Shingles: Cost and Payoff
A Class 4 impact-resistant asphalt shingle is one built to pass the top tier of the UL 2218 test, a 2-inch steel ball dropped from 20 feet, calibrated to roughly the size of hail the Front Range actually produces. Standard shingles come in two common profiles, 3-tab...
Why Roof Insurance Claims Get Denied in Colorado and How to Appeal
A denied roof insurance claim is an insurer’s written decision to reject payment for storm or hail damage, in whole or in part. The reason usually comes down to one of three things: how the damage was caused, what the policy language allows, or how the claim was...
Colorado Front Range Hail Zones — Castle Rock and Metro Denver Hail Frequency Data
Colorado Front Range hail zones are the geographic corridors along the eastern base of the Rocky Mountains where atmospheric conditions produce the highest concentration of damaging hail in North America. The Storm Prediction Center’s severe weather climatology...
Class 4 Shingles and Colorado Insurance Discounts Explained
Colorado homeowners who install Class 4 impact-resistant shingles can qualify for premium discounts of 15% to 30% on the dwelling coverage portion of their homeowner policy. CRS 10-4-110.8 requires Colorado insurers to factor impact-resistant roofing materials into...
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