Hail Damage Roof Repair & Replacement In Custer County, CO

Custer County recorded 83 hail events between 1995 and 2024 in the NOAA Storm Events Database — an average of roughly 3 reported events a year, in a state that leads the country for large hail. The largest stone recorded in the county measured 1.75 inches. Reports cluster from May to August, in the late-afternoon storms that build over the high country and roll east.

Yes — hail is a standard covered peril on Colorado homeowners policies, subject to your deductible, which on many policies here is a percentage of the home's insured value. The claim must be filed inside the policy's window and supported by documentation tying the damage to a recorded storm date. Custer County's storm history is in the NOAA record, which is what adjusters check claims against.

Normally, yes. The county building department issues roofing permits for full replacements and schedules the inspections its rules require. Your pro pulls the permit as part of the job and keeps the paperwork with the claim file. Repairs are treated differently from full replacements in most Colorado counties; the pro handling your roof confirms what your job needs before work starts.

The county combines frequent hail with strong sun, snow and freeze-thaw cycling, so the common-sense specification is architectural asphalt shingles — or Class 4 impact-resistant shingles where the budget and any insurer discount support them — over synthetic underlayment, with ice-and-water shield at the eaves and valleys. Metal roofing suits some buildings and dents rather than cracks. The right answer is the one matched to the roof's pitch, age and exposure.

Higher ground means stronger sun and larger day-to-night temperature swings. UV cooks exposed asphalt faster, so hail-stripped shingles age quickly, and meltwater that sneaks under a covering refreezes at night and works the gap wider. It is why the county's inspection advice stresses granule loss and why ice-and-water shield at the edges is standard practice rather than an upgrade here.

Pros matched through the emergency pages for each town can typically arrive in 30 to 60 minutes, around the clock. The county's towns each have their own emergency page with the same free number. First visits stop the water — tarping and dry-in; permanent repairs follow once roofs are dry and the claim documentation is in place.

From the ground: dents in gutters, downspouts, vents and soft metals, granules washing out at downspout bases, debris in the yard, and new stains on ceilings inside. Photograph what you find with the date. Then book a roof-level inspection — test squares and counts — because the damage that decides a claim is mostly invisible from the street, in every town in this county.

Start with evidence: a roof inspection with chalked test squares and dated photographs, matched to a storm date in the NOAA record. Then open the claim, meet the adjuster — ideally with your pro present — and agree the scope of loss. If the first scope misses documented damage, a supplement follows with the photos. The deductible is yours to pay; Colorado law (SB38) forbids any contractor from covering it for you.