Insurance Claims

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 Hail damage to roofs is one of the most common issues homeowners in Colorado face due to frequent and intense storms. When hailstones hit a roof, they can bruise or crack shingles, knock granules loose, or even create holes in more vulnerable materials. The severity of the damage often depends on the size of the hail, the wind speed, and the age and condition of the roofing material. While some damage is immediately visible, such as missing shingles or exposed underlayment, much of it can be subtle and go unnoticed without a professional inspection. 

 One of the most deceptive aspects of hail damage is granule loss, which may not seem serious at first. However, those granules are a protective layer that shields shingles from UV rays and water damage. Once removed, the shingles begin to deteriorate much faster, potentially leading to leaks, rot, or mold inside the home. Additionally, cracked or bruised shingles can break down over time, allowing water to penetrate beneath the roof surface. Left unaddressed, what starts as minor hail damage can turn into a major—and costly—repair. 

 Because hail damage isn’t always visible from the ground, many homeowners don’t realize their roof has been compromised until leaks develop. That’s why it’s essential to schedule a professional inspection after a storm. At Capstone Restoration, we specialize in identifying storm-related damage, providing detailed documentation for your insurance claim, and guiding you through the entire restoration process. Our goal is to ensure your roof is fully restored and your home protected—without unnecessary delays or stress. 

 Hail damage to a home's paint often occurs when hailstones strike with enough force to chip, crack, or strip the paint from exterior surfaces such as siding, trim, or fascia. These impacts can leave visible marks, dents, or exposed areas that compromise both the appearance and protection of the home. Even small hail can create micro-fractures in the paint that may not be immediately noticeable but can lead to peeling, moisture intrusion, and long-term deterioration. Over time, this kind of damage can reduce curb appeal and lead to more serious structural issues if not addressed. Identifying and documenting paint damage after a storm is also an important part of the insurance claim process, especially if other exterior elements have been affected. 

 Hail damage to siding occurs when hailstones hit the exterior of a home with enough force to dent, crack, or even puncture the siding material. The type of damage can vary depending on the material—vinyl siding may crack or break, while metal siding often shows dents or paint loss. Hail can also cause chips or holes that allow moisture to seep behind the siding, potentially leading to mold, rot, or insulation damage over time. In many cases, the damage may not be obvious from the ground, which is why a professional inspection is crucial after a storm. Proper documentation of siding damage is also essential when filing an insurance claim to ensure all repairs are covered. 

 Hail damage to gutters is common during severe storms and often shows up as dents, dings, or cracks along the metal surfaces. Aluminum and steel gutters are particularly susceptible to impact damage from hailstones, which can deform the shape of the gutters and affect their ability to drain water properly. In some cases, hail can loosen fasteners or cause seams to separate, leading to leaks or sagging sections. Over time, even minor dents can contribute to rust or weaken the structural integrity of the system. Damaged gutters not only affect curb appeal but can also lead to water pooling around the foundation, causing bigger issues if left unaddressed. Like roof and siding damage, gutter issues should be inspected and documented promptly after a storm for insurance purposes.