Does Insurance Cover Hail-Damaged Windows in Colorado?

Many think hailstorms happen only out of state. The state of Colorado probably experiences more hailstorms than any other state in the nation. In the year 2025 alone, the city of Colorado Springs recorded over 60 hailstorms, many of which were damaging, and had hail as big as two inches. When this hailstorm strikes, windows are usually one of the first to go. Fortunately, most home insurance policies cover windows.

What Your Policy Covers

If you have a homeowner’s insurance policy in Colorado, hail damage to your home is covered. This usually covers:

  • Roof shingles and gutters
  • Siding and exterior walls
  • Windows and skylights
  • Garage doors and deck covers

So, window replacement in Colorado Springs is typically covered by insurance if the damage was caused by hail.

Depending on your insurance, losses can be paid differently. Usually, insurance companies use an actual cash value (ACV) policy. This means the loss would be paid based on the windows’ pre-loss value. A replacement cost value (RCV) policy would pay you the cost of new windows, making a significant difference during inflationary times.

How the Claims Process Works

After a hail storm, follow these steps for the claim:

  1. Document the damage occurring immediately: Evidence obtained at the time of the damage makes a claim easier to prove. Take clear pictures of every broken or cracked window and any other hail damage.
  2. Call your insurance company as fast as possible: Reporting damage in a timely manner is key to getting coverage. This also helps you better understand your Colorado Springs window replacement.
  3. Get a professional inspection: In the event an adjuster requires more evidence than what you have presented, a licensed contractor will be able to provide a detailed report that will help the adjuster make a decision, and may even be able to identify concerns you may have missed.
  4. Be present with documentation: Have your contractor join the meeting, if able. You can compare their findings to your contractor’s photos and the report.
  5. Confirm coverage, then schedule repairs: Once your claim has been approved, waste no time scheduling your window repair. If you delay, unaddressed water intrusion damage may result in a loss of your coverage.

A Few Things Worth Knowing

  • Be aware of contractors who appear after a big storm, especially those contractors who work door-to-door, and verify their credentials before you sign anything.
  • Insurance companies only need to replace the damaged windows, and will not replace the remaining window glazing.
  • Keep all receipts, especially those for boarding broken window panes, as they are usually reimbursable.

Act Before the Damage Compounds

You need to prepare, so review your policy each year to know your deductible. Having a contractor you trust and can depend on will give you a big advantage when you need it the most. Window replacement in Colorado Springs with an experienced local company will help the claims process run smoothly and ensure the full payout allowed by your policy.