Hail Damage Claim Calculator
Colorado is the #1 state for hail damage claims. After a storm, the biggest question is: should I file? This calculator gives you a realistic estimate of your claim value so you can decide before calling your insurance company.
- Estimates replacement cost, depreciation, and payout
- Factors in roof age, material, and damage severity
- Filing recommendation based on deductible vs. payout
- Colorado-specific tips for maximizing your claim
File Your Claim
Strong case — payout exceeds deductible
Estimated Payout
$8,450
Out-of-Pocket
$2,100
Replacement Cost $14,300
Depreciation (22%) – $3,146
Your Deductible – $1,000
Estimated Total Cost
$9,200 $12,650 $16,500
$4.18–$7.50 per sq ft
Budget Mid-Range Premium
Materials
~40%
Labor
~60%
Lifespan
25-30
Class 4 Upgrade — Save ~$420/yr on insurance
Roof Replacement Cost Estimator
"How much does a new roof cost?" — the most Googled question in roofing. Our estimator gives you Colorado-specific pricing with regional adjustments for mountain towns, the Front Range, Western Slope, and Eastern Plains.
- 10 material options with lifespan and warranty data
- Region-specific pricing (mountain towns cost 35% more)
- Pitch, stories, and tear-off adjustments
- Class 4 insurance savings calculator built in
Fire Zone Compliance Checker
After the Marshall Fire destroyed 1,000+ homes, Colorado's WUI fire zones are expanding fast. Many homeowners don't know their roof might not meet current code — and insurers are starting to enforce it.
- 24 Colorado counties with WUI risk assessment
- Current material vs. required fire rating check
- Compliant material options with cost ranges
- Insurance implications and next steps
Non-Compliant — Action Needed
Wood shake prohibited in WUI zones
WUI Risk
High
Your Roof
Class C
Required
Class A
A
Class 4 Impact-Resistant
$6–9.50/sqft
HailInsurance ↓
A
Metal Standing Seam
$9–16/sqft
Ember-proof
A
Synthetic Shake
$8–14/sqft
Looks like wood
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