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Hail Damage on Metal Roofs: Cosmetic vs. Functional and What Your Carrier Will Cover

Insurance carriers have tightened cosmetic-damage exclusions on metal roofs. Here is what still gets paid out and how to document functional damage correctly.

Class 4 Shingle Insurance Discounts in Colorado: What Carriers Actually Credit in 2026

State Farm, Allstate, USAA, American Family, and Farmers all credit Class 4 roofs, but the percentages and documentation required vary. Here is the 2026 lay of the land.

Understanding Your Roof Insurance Claim: What Homeowners Need to Know

ACV vs. RCV, depreciation recovery, deductibles, and supplements explained in plain English so you know what your policy actually pays.