Home insurance in Colorado starts on the declarations page, where wind and hail often matter as much as the rest of the page combined. Read the dwelling limit and the base deductible. Then read whether wind or hail carries a deductible of its own. On the Front Range and the eastern plains that split is the question that decides whether a storm is worth a claim. In the high country, read snow, ice, and freeze with the same care. Ask whether flood is outside the policy. Meltwater in a basement and a hail-damaged roof are not flood. A creek that leaves its banks might be. The policy language sorts them.
Ask how roof age and roof surface change a claim. Hail can bruise a covering that still looks intact from the street, and the argument is about the material and the slope, not about a rumor from the next block. Ask how ice-dam water is described versus a supply line that froze and burst. Foothill and mountain addresses should ask how wildfire and smoke are treated, and whether earth movement sits outside the policy before a clay crack is called a storm. A dwelling limit copied from a sale can miss a rebuild at this altitude, where labor, access, and the covering are not a lowland story. Read belongings as replacement value or actual cash value. Read loss of use if the house cannot be heated.
Before a claim, photograph every slope you can see from the ground, the gutters, the condenser, and the interior stains. Do not haul debris or start a tear-off that destroys the evidence. Note the date only as the day you noticed it, and note whether hail, wind, or a thaw was the weather. Bring the declarations page.
Say the town. A mountain snow loss, a plains hail loss, and a western-slope heat loss are not one script. Call the number on this page.