Full exterior storm restoration in Colorado Springs.
A hailstorm does not hit only the roof. It hits everything facing the sky and everything facing the direction the cell came from, and your policy covers all of it. The problem is that a claim is only as complete as the estimate somebody wrote. This page is about scoping the whole exterior as one loss and running it as one job.
Your settlement is the scope, not the negotiation.
People assume a claim is settled by arguing. It mostly is not. An adjuster prices line items, and the settlement is the sum of the ones on the estimate. A component that was never inspected does not become a dispute — it simply never appears, and nobody is being unreasonable. It was just not written down.
Which is why the inspection matters more than anything that happens afterward. A roofing contractor who inspects a roof produces a roof scope. If the storm also dented the gutters, cracked a run of siding on the west elevation and shredded three window screens, those are covered losses that quietly fail to exist.
We inspect the whole exterior on every storm call for that reason, not because we want a larger job. Frequently the answer is that the roof took it and nothing else did, and we say so. But you cannot know that without looking, and the looking has to happen before the claim closes.
What a full exterior inspection actually covers.
Six categories. The first one gets inspected on every claim in this county. The other five are where settlements get thin.
The roof
Field shingles, ridge and hip caps, valleys, penetration flashing, pipe boots and vents. Test squares marked and photographed so the density of impacts per square is on the record rather than described. This is the part everybody scopes, and it is still worth checking that the accessories were included, not just the field.
Gutters and downspouts
Dents in the gutter face, dents and splits in downspouts, damaged outlets and hangers. All cosmetic, all legitimate storm damage, and the single most commonly omitted category on a hail estimate. Hail comes in at an angle and hits the gutter face as directly as it hits the roof.
Siding and trim
Cracks, punctures and chips in the cladding, plus corner posts, J-channel and the accessories around openings. Damage concentrates on the elevations facing the storm, and cracks in vinyl often run behind the overlap of the course above, so a ground-level walk-around misses most of it.
Fascia, soffit and wraps
The metal wrapping on fascia boards and the soffit panels beneath the eave. Soft aluminum takes a visible dent from moderate hail, and because it sits under the roof edge it is easy to walk past. It is also right next to the gutter that is already being replaced, which makes it cheap to include and awkward to add later.
Windows, screens and doors
Torn or dented window screens, damaged garage door panels, dented entry and storm doors. Screens in particular get destroyed by hail that leaves the glass intact. Small line items individually, and the ones a homeowner is most likely to discover months later and assume were never covered.
Mechanical and site items
Air conditioner condenser fins flattened by impact, plus fencing, decking and painted surfaces on the exposed elevations. Some of these we coordinate and some go to specialist vendors — what matters at the inspection stage is that they are documented and priced, not who ultimately performs them.
The order matters more than people expect.
This is the practical case for running the exterior as one job rather than three. Trades that are scheduled independently arrive in whatever order suits them, and some of those orders cost you money.
Emergency work first
If the storm left an active leak, tarping happens before anything else and before any approval. Preventing further damage is something your policy expects of you, and reasonable tarping costs are commonly reimbursed, so keep the receipt. It is also the one part of this that cannot wait on an adjuster.
Roof before gutters
New gutters hung before the roof goes on get walked on, dropped on and dented by tear-off debris. Doing them in the wrong order is how people end up paying twice for the same gutter run, and it is the most common sequencing mistake we see.
Roof before siding
Tear-off drops material down the elevations. New cladding installed first takes that abuse. It also means the roof edge, drip edge and any wall flashing get detailed against a wall that will not change afterward.
Open walls before finalizing
Sheathing condition is unknown until cladding comes off. If what is underneath changes the scope, that is the moment to document it and file a supplement — not after the wall is closed up and the evidence is gone.
Paint and finish last
Obvious, and still worth stating, because a schedule built around three separate contractors frequently gets this wrong. Any painting, staining or finish work waits until every trade that could mark it has been and gone.
One walkthrough at the end
We walk the completed property with you against the approved scope, line by line. That document is also what releases recoverable depreciation if your policy settled on actual cash value, so it is worth doing properly rather than over the phone.
Who actually does the work.
L&N is a roofing company. Our own crews do the roofing and the gutter work. On the cladding portion we act as the general contractor for the property and bring in siding crews to perform that work under our supervision. We say that on every page it applies to, because a homeowner deserves to know how a job is staffed before signing rather than on the morning an unfamiliar truck turns up.
What does not change is who is accountable. You get a single Xactimate scope, a single schedule, and a single company to call when something is wrong. Nobody is skilled at every trade. The value of general contracting an exterior claim is that the coordination and the responsibility sit in one place instead of being split three ways.
We have run storm claims in El Paso County for fifteen years, and we are insured for the general contracting we do. The claim mechanics, from adjuster meetings and supplements to depreciation and deductibles, are covered in more detail on our insurance claim general contracting page.
When a full exterior claim is not the answer.
When the damage is genuinely confined to the roof, which happens often. A storm that comes down mostly vertical hits the roof hard and leaves the walls alone. In that case you have a roof claim, we write a roof scope, and stretching it across the property would be neither honest nor successful.
And when the total damage does not clear your deductible. Colorado wind and hail deductibles are percentage-based and can be substantial on a well-insured house. If the realistic scope is worth less than what you would pay out of pocket anyway, filing puts a claim on your record for nothing. We will run those numbers with you before you call the insurer, not after.
For how the cladding portion of a claim is scoped and performed, see our siding claim work overview.
Get the Whole Property Documented
Tell us when the storm came through and what you have noticed so far. We'll inspect the roof and every elevation and give you an honest read on what belongs in a claim.
Storm Restoration Questions
Putting a property back to its pre-loss condition under an insurance claim, rather than doing a repair you pay for out of pocket. On a Colorado Springs hail claim it usually means the roof plus everything the same storm hit — gutters, downspouts, siding, fascia and soffit wraps, sometimes screens and mechanical fins. Restoration is a scoping exercise as much as a construction one, because the parts that never make it onto the estimate never get paid for.
Hail is a named peril on standard homeowner policies here and claims are routine — El Paso County averages seven to ten severe hail days a year, with June consistently the worst month. What varies is the deductible. Standard policies in Colorado typically carry hail and wind deductibles at 1 to 2 percent of dwelling coverage, and some carriers moved to separate wind and hail deductibles of 2 to 5 percent after 2018. Check yours before assuming a small claim is worth filing.
No, and plenty of people do not. The argument for one is coordination — a single inspection, a single Xactimate scope, one schedule that sequences the trades in the right order, and one company answerable at the end. The argument against is that dedicated single-trade companies sometimes price a standalone job more sharply. On a claim, where the settlement is built from a scope rather than a bid, the coordination usually matters more.
The construction is not the long part. Roofing is a matter of days, gutters less, and a siding scope runs longer depending on how many elevations are involved. What sets the calendar is the claim: inspection, adjuster meeting, approval, any supplement filed after the walls are opened, and material lead time on matched products. We give you a sequence at the start and tell you which parts we control and which we do not.
Gutters, downspouts, fascia and soffit wraps, and window screens. All of them are cosmetic damage on components that still function, which is exactly why they slide off an estimate written quickly from the roof. Individually they are small line items. Across a whole property they add up to a meaningful share of a settlement, and once a claim is closed they are hard to reopen.
One year from the date of loss to report it to your insurer, which means June 2027 for the June 2026 storms. It is a hard deadline and it runs whether or not you have noticed the damage. If your street took a storm this past season and nobody has been up on the roof or along the elevations, get it documented. An inspection costs you nothing and a lapsed deadline costs you the whole claim.
One storm, one claim, one company.
We'll document the whole exterior, write one scope in Xactimate, and sequence the work so nothing gets done twice.
Related Reading
What Does Hail Damage Actually Look Like on an Asphalt Shingle Roof? (Monument, CO Guide)
See what real hail damage looks like on asphalt shingles vs. cosmetic marks, and why Monument's spot on the Palmer Divide makes this worth checking after storms.
Emergency Roof Repair in Colorado Springs, CO — 24-Hour Response
24-hour emergency roof repair in Colorado Springs, CO. Fast leak stops, emergency tarping, and permanent storm repairs from L&N Construction. Call (719) 355-0648.
Roof Maintenance Near Me in Falcon, CO: A Seasonal Checklist
Roof maintenance in Falcon, CO means seasonal checks for hail bruising, cracked flashing, and clogged gutters. Here's what to do yourself and when to call a pro.
What Is a Roof Insurance Claim? Coverage, Exclusions, and Why Claims Get Denied
A roof insurance claim lets you file for storm or sudden damage under your homeowners policy. Learn what's covered, what's not, and why Colorado claims get denied.