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Category: Roof Replacement

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Homeowners Maintenance & Repairs Roof Replacement

What Your Roof Warranty Covers: Manufacturer vs. Workmanship

Aerial view of a roof replacement in progress with old shingles removed

When Blue Peaks Roofing replaces a roof in Colorado, your roof warranty is really two different warranties. One comes from the company that made the shingles. The other comes from us, the contractor who installed them. They cover different things, and knowing which is which saves a lot of confusion if a problem shows up later.

Two warranties, two different jobs

  • The manufacturer’s material warranty covers the product: the shingles and other components the manufacturer makes.
  • Our workmanship warranty covers the installation: how the roof was put on.

Two documents, from two different companies, covering two different things. Here is how each one works.

The manufacturer warranty: product defects

A manufacturer warranty covers defects in the product itself, such as shingles that crack, curl or shed granules early because of a manufacturing problem. The terms are the manufacturer’s, not ours, and they vary by product line. Some manufacturer warranties are prorated, which means the coverage decreases over time, and some require the warranty to be registered after installation.

On residential roofs, we most often install Atlas, followed by TAMKO. As a GAF Master Elite contractor, we also install GAF on residential roofs. Before you sign, we walk you through the warranty for the specific shingle in your contract, and you get the warranty documents when the job is done. You can compare options on our residential roofing and impact-resistant shingles pages.

The workmanship warranty: how the roof was installed

Our workmanship warranty covers the installation: flashing, fastening, underlayment, ventilation details and the seals around pipes, vents and other penetrations. If a leak traces back to how something was installed, this is the warranty that applies.

On residential roofs, the Blue Peaks workmanship warranty is 5 years, and your contract spells out the terms. On commercial roofs, the warranty terms are written into the contract for that project.

What roof warranties usually don’t cover

  • Storm damage. Hail, high winds and other severe weather are generally excluded from both manufacturer and workmanship warranties. Hail is common along the Front Range, so it helps to know this up front: a roof warranty covers product defects and installation, not what a storm does to the roof.
  • Damage from other trades or foot traffic. Damage caused by satellite, solar, HVAC or other crews working on the roof is not an installation problem.
  • Changes made without the installer. New penetrations, dish mounts or solar racking added without the installer’s involvement can affect coverage for that area.
  • Neglect. Problems caused by clogged gutters, debris left on the roof or damage that was never addressed are typically excluded.

Every warranty document has its own list of exclusions, so read the actual documents for your roof.

When a storm exposes an installation problem

Sometimes heavy rain or wind exposes a problem that was already there, such as flashing that was never sealed correctly. The storm didn’t create that problem; it revealed it. That is still a workmanship issue. If you’re not sure what caused a leak, an inspection with photos shows what is actually going on.

How to keep your coverage in place

  • Keep the paperwork. Store your contract, warranty documents, final invoice and job photos where you can find them.
  • Ask about registration. If your manufacturer warranty requires registration, ask for proof that it was done.
  • Report leaks promptly. Call us as soon as you notice a leak. We handle emergency repairs during normal business hours.
  • Check before changing the roof. Talk to your installer before adding solar, a dish or any new penetration.
  • Look after the roof. Have it inspected after a big storm, and follow our seasonal roof maintenance checklist. Ask about our roof maintenance programs.

HOA boards can find more detail in Understanding Roofing Warranties for HOA Boards.

Questions about your roof warranty?

If you’re not sure what your warranty covers, or you want to know what’s happening on your roof, schedule a free roof inspection. We’ll document what we find with photos and explain it in plain language. You can see how a project runs on our process page.

What working with us looks like: We inspect your roof for free, typically within 24 to 48 hours, and walk you through the photos of what we find. If you go ahead, your dedicated project manager sends a prep email before your build, keeps you updated every day, and we finish with a magnetic nail sweep and a final walkthrough with you. Residential roofs carry our 5-year workmanship warranty. Call (303) 808-0687 or schedule a free inspection.

Blue Peaks Roofing
8000 S Lincoln St Ste 201, Littleton, CO 80122
(303) 808-0687 | Contact us

Categories
Insurance & Claims Maintenance & Repairs Project Planning Roof Repair Roof Replacement Warranty & Insurance

How to File a Roof Insurance Claim in Colorado: Step by Step

Graphic titled How to File a Roof Insurance Claim in Colorado, showing a roofer with a clipboard

Let’s set the scene. A hailstorm just rolled through your neighborhood. Your car has new dimples. Your neighbor is already on the phone with some guy in a pickup truck who appeared out of nowhere handing out business cards like candy. And you’re standing in your driveway wondering what you’re actually supposed to do.

Here’s the thing: your insurance company has navigated this exact process thousands of times. You probably haven’t done it once. That gap in experience is exactly where money disappears — and it’s completely avoidable.

We inspect hail-damaged roofs across the Front Range. Here’s exactly how to handle it without leaving money on the table or making expensive mistakes.

First — Pull Out Your Policy and Find These Three Things

Nobody reads their insurance policy. We know. It reads like it was written by someone who hates you. But before you call your carrier, you need to know three things or you’re walking into a conversation completely blind:

  1. Your wind and hail deductible. In Colorado, this is almost always a separate deductible from your standard one — and it’s percentage-based. On a $500,000 home with a 2% hail deductible, you owe $10,000 before insurance pays a single dollar. Find this number before the adjuster visits.
  2. RCV or ACV coverage. Replacement Cost Value pays what it costs to build the roof today. Actual Cash Value pays that minus depreciation — meaning they factor in your roof’s age and pay less. The difference is often several thousand dollars. Most people have no idea which one they have until the check arrives.
  3. Your filing deadline. Colorado policies typically require you to file within 1–2 years of the storm date. The clock started the minute the hail hit.

Still confused by your policy? Call SCC Insurance at (303) 587-9582. Free policy review. They’ll translate the fine print into English for you — no strings attached.

Now Here’s the Process, Step by Step

Step 1

Get a Professional Inspection Before You Call Your Insurance Company

This is the step people skip. It’s also the most important one. Before an adjuster puts eyes on your roof, you need to know what’s actually there. At Blue Peaks, inspections are always free and we document everything with photos. Going into the process informed, instead of just waiting to hear what the insurance company says, puts you in a better position.

Step 2

File Your Claim

Call your insurance company or file online. Get a claim number immediately and write it down — you’ll reference it constantly over the next several weeks. Be factual: give them the approximate storm date, describe the damage you’ve observed, and request a full inspection. Don’t speculate, don’t exaggerate. Just tell them what you know.

Step 3

Be Ready for the Insurance Inspection

Your insurer will schedule an inspection of the roof. Be available, keep your claim number and policy details handy, and have your own inspection photos and the storm date ready for reference.

Step 4

Review the Scope of Loss Line by Line — Before You Sign Anything

The adjuster produces a Scope of Loss — a line-by-line breakdown of what they’re approving. Commonly missing items: drip edge, ice and water shield, starter strip, pipe boot replacements, ridge ventilation, and overhead and profit. If you think items are missing, you can ask your insurer to review the scope.

Step 5

Ask Your Insurer to Review an Incomplete Scope

If items are missing, you can ask your insurer to review them. Your inspection photos and measurements can help you show what is on the roof.

Step 6

Receive Your ACV Check and Get Started

Once the scope is agreed upon, your insurance company issues the first check — the Actual Cash Value payment. This is the depreciated value of the roof. Work begins, this payment covers the start of the project, and the clock starts on your completion certificate.

Step 7

Collect Your Recoverable Depreciation After the Roof Is Done

After completion, you submit a certificate of completion and your insurance company releases the recoverable depreciation — the difference between what they paid and what the roof actually costs new. This is your second check. Most of our clients are genuinely surprised by how smooth this last step is once the work is done right.

⚠ Mistakes That Cost Colorado Homeowners Thousands Every Year

  • Signing a contract before you know what your deductible actually is
  • Accepting the first scope without reviewing every line item — first scopes are almost never complete
  • Going with the cheapest bid (low bids almost always mean missing scope items — you’ll feel the gap when the final check arrives)
  • Waiting too long after a storm and letting the filing window close
  • Signing contracts with door-to-door contractors who showed up the day after a storm and will be gone by winter — this one deserves its own article
The Blue Peaks difference — and it’s a real one:We inspect, document and give you a full photo report of what we find. Your deductible is always your responsibility under Colorado law.

What Does It Actually Cost Me?

Your deductible is your responsibility under Colorado law. We work within the approved insurance scope and we never ask homeowners to pay above their approved coverage for covered work. If you have an ACV policy and depreciation isn’t recoverable, we’ll explain exactly what that means before you commit to a single thing. No surprises, ever.

Ready to Get Started?

The insurance company has done this thousands of times. You probably haven’t. That experience gap is where money goes — and it’s completely avoidable when you have the right people in your corner.

If there’s been a storm in your area and nobody’s been on your roof, call us. Free inspection. Honest assessment. No obligation either way. We’ll tell you straight whether there’s a claim worth making.

Free inspection with a full photo report.

(303) 808-0687

Blue Peaks Roofing · Littleton, CO · bluepeaksroofing.com · Mon–Sat 8AM–5PM

Not sure what you are looking at? Schedule a free hail damage roof inspection.

Wondering how a claim affects coverage? Read whether hail damage voids your roof warranty.

About Blue Peaks RoofingBlue Peaks Roofing serves the Denver metro and Front Range. BBB Accredited. Google reviews. Littleton, CO.

Categories
Maintenance & Repairs repair vs a full roof replacement Roof Repair Roof Replacement Roofing Challenges

Roof Repair vs. Replacement: How to Make the Right Decision

Aerial view of a roof replacement in progress with old shingles removed

Start with an inspection

You can’t judge a roof’s condition from the driveway. Hail bruising, worn granules, lifted shingles and soft decking are hard to see from the ground, and walking a roof yourself is risky. A professional inspection with photos is the right place to start any repair or replacement decision.

Signs a repair is enough

  • Damage is limited to one area of the roof.
  • A few shingles are missing or damaged, and the rest of the roof is in good shape.
  • A leak traces back to flashing around a chimney, wall or vent.
  • A cracked or worn pipe boot is letting water in.

In these cases, our roof repair team can usually fix the problem without a full replacement.

Signs it’s time to replace

  • Widespread granule loss or hail bruising across the roof.
  • Leaks in several places.
  • Soft, spongy or sagging decking.
  • Shingles curling, cracking or lifting across the roof, not just in one spot.

Age is a factor, but condition decides

An older roof is more likely to need replacement, but age alone doesn’t make the call. A well-installed older roof can be in better shape than a newer one that took a beating in a storm. The inspection tells you what condition the roof is actually in.

Local code matters

Some Colorado jurisdictions don’t allow a second layer of shingles over the old roof, which changes the math on a repair or partial overlay. Learn more in Colorado Roof Codes Differ by Address: Here’s How to Check Yours.

Compare written estimates

When it’s a close call, ask for written estimates for both a repair and a replacement so you can compare them side by side. Think about how long you plan to stay in the home: a repair may make sense if you are selling soon, while a replacement may make more sense if you plan to stay.

Get a clear answer

Schedule a free inspection. We typically inspect within 24 to 48 hours, walk you through the photos of what we find and tell you honestly whether you need a repair, a replacement or nothing at all. See how our roof repair and roof replacement services work, or contact us to book.

What working with us looks like: We inspect your roof for free, typically within 24 to 48 hours, and walk you through the photos of what we find. If you go ahead, your dedicated project manager sends a prep email before your build, keeps you updated every day, and we finish with a magnetic nail sweep and a final walkthrough with you. Residential roofs carry our 5-year workmanship warranty. Call (303) 808-0687 or schedule a free inspection.