Home insurance in Denver is a declarations-page conversation dominated by hail and by what the clay does that a storm did not. Read the dwelling limit and the base deductible. Then read whether wind or hail sits on a deductible of its own. That split decides whether a summer storm is a claim or a repair you simply live with. Ask whether flood is outside the policy. Water in a basement after a hard rain, a sewer backup, and hail bruises on a roof are not the same sentence. Ask whether earth movement sits outside the policy before you describe a foundation crack as storm damage. The clay moves. The policy may not call that a covered loss. Read it.
Roof age will come up, because hail on an old covering and hail on a young one argue differently. Photograph slopes, gutters, and the condenser from the ground before anything is removed. Ask how ice-dam or thaw water is described versus a pipe that froze. A dwelling limit taken from a sale can miss a rebuild of a brick bungalow with plaster and a basement. Read belongings as replacement value or actual cash value. Read loss of use if the house cannot be heated after a winter loss. Do not compare your page to a story from a different block with a different roof.
Say whether this is a renewal, a policy you are trying to read, or a claim after a named storm you can describe without a speech. Say the roof type. Say if the basement has a history of water that is not hail. Bring the page.
Bring the page to the phone and read the wind and hail lines out loud if you are unsure which deductible applies. A basin storm and a clay crack in the basement should not be described as the same event. Say which one you are holding.
The call is the deductible, the dwelling limit, and the claim, with hail and clay as the Denver facts. Call the number on this page.