Home insurance in Cheyenne is a wind deductible and a hail deductible that may not be the same line. Get the declarations page before you blend them into one storm story. Find both, if both exist, and see how they sit apart from the rest of the policy. A bruised slope and a fence the gust took can be one afternoon and two different answers on the page. Write what the ice hit and what the wind moved.
The dwelling limit is its own figure. Older houses near the capitol carry porches, brick, and openings a newer edge house does not. Do not borrow the limit from a sale. Belongings, loss of use, and detached structures are separate. A shed, a garage door that bowed, and siding scarred on the windward side are where people discover the gap. Read those lines. A worn roof the wind finished is not the same claim as a sudden hail bruise. Say which marks you can see from the yard.
Photograph the slopes, the soft metal, the west glass, and the windward siding while the debris is still there. Gutter grit and a dented flue cap support a hail report. A ridge cap in the yard supports a wind report. You may have both. If you are renewing, read the percentage language on a calm day, not in the driveway after the ice. Flood is a separate question if a rare hard rain runs at the foundation. Do not assume it sits inside the policy you already have.
The mix of wind and hail is why people postpone the page, and the mix is why the page matters. Document the direction of the storm and the elevation that faced it. A tree street and an open prairie lot will not show the same secondary damage from limbs, but they can share the same deductibles. Bring the page. Name the part of town. Keep the causes as clean as the photos allow so a later argument does not invent them.
Say claim or renewal, the deductible you have now, and whether you are looking at wind, hail, or both. Keep the declarations page close. Cheyenne will send another gust before the paperwork gets easier. Call the number on this page.