Carrier claim guides
Colorado Roof Insurance Claim Guides by Carrier
Carrier-specific guides to filing a roof insurance claim in Colorado. Each guide covers the carrier's NAIC code, Colorado claims line, deductible structures, the state regulatory framework that applies (HB23-1273, HB23-1174, C.R.S. 6-22), and what a homeowner should document. Pro Shield is not affiliated with, endorsed by, or paid by any insurance company. We are your roofing contractor; we are not your insurance representative.
State Farm
NAIC 25143 · Bloomington, Illinois
How a State Farm roof insurance claim works in Colorado. NAIC code 25143, claim phone 1-800-732-5246, Colorado regulatory framework, common dispute patterns, and what a homeowner should document.
USAA
NAIC 25941 · San Antonio, Texas
How a USAA roof insurance claim works in Colorado. Eligibility, NAIC code 25941, claims line 1-800-531-8722, Colorado regulatory framework, and what a homeowner should document for hail and wind damage.
Allstate
NAIC 19232 · Northbrook, Illinois
How an Allstate roof insurance claim works in Colorado. NAIC code 19232, claims line 1-800-255-7828, Colorado regulatory framework, deductible structures, and how to document a hail or wind claim.
Farmers Insurance
NAIC 21652 · Woodland Hills, California
How a Farmers Insurance roof claim works in Colorado. NAIC code 21652, claims line 1-800-435-7764, deductible structures, Colorado regulatory framework, and documentation tips.
American Family Insurance
NAIC 19275 · Madison, Wisconsin
How an American Family Insurance roof claim works in Colorado. NAIC code 19275, claims line 1-800-692-6326, Colorado regulatory framework, deductible structures, and documentation tips.
Liberty Mutual / Safeco
NAIC 23035 · Boston, Massachusetts
How a Liberty Mutual or Safeco roof claim works in Colorado. NAIC codes 23035 and 23043, claims line 1-800-225-2467, Colorado regulatory framework, and documentation tips.
Travelers
NAIC 25658 · Hartford, Connecticut
How a Travelers roof insurance claim works in Colorado. NAIC code 25658, claims line 1-800-252-4633, Colorado regulatory framework, deductible structures, and documentation tips.
Nationwide
NAIC 25453 · Columbus, Ohio
How a Nationwide roof insurance claim works in Colorado. NAIC code 25453, claims line 1-800-421-3535, Colorado regulatory framework, deductible structures, and documentation tips.
Auto-Owners Insurance
NAIC 18988 · Lansing, Michigan
How an Auto-Owners Insurance roof claim works in Colorado. NAIC code 18988, agent-only filing model, Colorado regulatory framework, and documentation tips.
The Hartford / AARP
NAIC 19682 · Hartford, Connecticut
How a Hartford or AARP-branded homeowners roof claim works in Colorado. NAIC code 19682, claims line 1-800-241-1754, Colorado regulatory framework, deductible structures, and documentation tips.
How to use these guides
Find your carrier on the list above. Each guide opens with the corporate snapshot (legal entity, NAIC code, Colorado claims line) so you can verify against your own declarations page, then walks through the nine-step Colorado claim process, the regulatory framework that applies to every admitted carrier, and the friction points Pro Shield sees most often on roof claims.
From storm to recoverable depreciation, in nine steps
The same nine-step path applies to every admitted Colorado homeowners carrier. What changes between carriers is the claims phone number, the field adjuster's network, and the policy-form details on your declarations page.
- 1Document
Ground-level photo sweep
Gutters, downspouts, garage door, AC fins, screens, vehicles. Adjusters look here first to corroborate roof claims.
- 2Document
Pull NOAA storm report
Save the NOAA Storm Events record for your address and date of loss. Carriers cross-reference before approving.
- 3Inspect
Free roof inspection
Colorado-licensed roofer documents slope-by-slope hail-strike count within 7 days, in writing with photos.
- 4File
Open the claim
Call the carrier claims line or file via app. Provide policy number, date of loss, NOAA event ID, and damage summary.
- 5Inspect
Adjuster meets roofer on-roof
Together they count hail strikes per 10×10 ft test square and document soft-metal damage and code upgrades.
- 6File
Receive carrier scope of loss
Itemized Xactimate pricing, ACV payment minus deductible, and recoverable depreciation hold-back.
- 7Document
Submit Xactimate supplements
Line-item supplements with photos and IRC code-section citations for missed scope (drip edge, ventilation, decking).
- 8Build
Sign C.R.S. 6-22 contract
Colorado-compliant written contract with 72-hour rescission window. No deductible rebating, ever.
- 9Build
Build, final invoice, RCV release
Permitted install per IRC R905. Final invoice releases recoverable depreciation; homeowner pays deductible to contractor.
The Colorado regulatory framework that applies to every carrier
Every admitted Colorado homeowners carrier operates under the same statutes and Division of Insurance bulletins. The most important laws for roof claims:
- HB23-1273: roof claim transparency. Carriers must clearly disclose deductibles, depreciation, and roof-specific endorsements at issuance and renewal.
- HB23-1174: 60-day non-renewal notice (up from 30) for reasons other than nonpayment.
- C.R.S. 6-22 (SB12-038): Colorado Roofing Contractors Act. Written contract required, 72-hour rescission window, no deductible rebating.
- C.R.S. 6-22-105 and C.R.S. 18-5-211: rebating insurance deductibles is a deceptive trade practice and insurance fraud.
- C.R.S. 10-2-417: only licensed public adjusters and attorneys can adjust claims. Your roofer is not your insurance representative.
For deeper context, see our Colorado hail claim process walkthrough, Colorado insurance crisis explainer, and ACV vs RCV vs RPS guide.
Important disclaimer
These pages are general educational information about how Colorado homeowners insurance carriers handle roof claims under state law. They are not legal advice, insurance advice, or a representation about your specific policy. Carrier policy forms, deductibles, endorsements, and program terms vary by state, program tier, and effective date. Read your own declarations page and policy. For coverage questions, consult your carrier directly, your licensed insurance agent, the Colorado Division of Insurance, or an attorney. Pro Shield is not affiliated with, endorsed by, or sponsored by any insurance company.
Frequently asked questions
Sources and references
Primary sources and authoritative references cited in this article. Links open in a new tab.
- [1]Colorado Division of Insurance: homeowner resources and bulletins · Colorado Department of Regulatory Agencies
- [2]Colorado Division of Insurance bulletins · Colorado Department of Regulatory Agencies
- [3]Colorado Division of Insurance: homeowners claim handling resources · Colorado Department of Regulatory Agencies
- [4]NAIC: Homeowners insurance market share and premium reports · National Association of Insurance Commissioners
- [5]NAIC Consumer Information Source (CIS) and complaint index by company and state · National Association of Insurance Commissioners
- [6]A.M. Best Financial Strength Ratings for property and casualty insurers · A.M. Best Company
- [7]House Bill 23-1273, homeowner insurance roof claim transparency · Colorado General Assembly
- [8]House Bill 23-1174, homeowners insurance non-renewal notice (60 days) · Colorado General Assembly
- [9]C.R.S. 6-22, Roofing Contractors (Senate Bill 12-038) · Colorado General Assembly
- [10]C.R.S. 6-22-105, prohibition on a contractor paying or rebating an insurance deductible · Colorado General Assembly
- [11]C.R.S. 10-2-417, public adjuster licensing in Colorado · Colorado General Assembly
- [12]C.R.S. 18-5-211, insurance fraud (criminal) · Colorado General Assembly
- [13]Colorado Property and Casualty Insurance Ombudsman · Colorado Division of Insurance
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