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Loveland, CO Hail Damage Roofing ◆ July 10, 2018 Storm Veterans — 855 ROOF-001

Hail Damage Roofing in Loveland, CO

We replaced thousands of Loveland roofs after July 10, 2018 — the largest hail insurance event in Colorado history. Seven years later we're still helping Sweetheart City homeowners recover depreciation, supplement underpaid claims, and upgrade to Class 4 impact-rated shingles. Free inspections.

Free Hail Damage Inspection 855 ROOF-001
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4.9/5
Google Rated
"

Joel Johnson was my rep and helped me navigate the process. They helped me overcome some hurdles with my insurance company. The communication was great and installation was efficient despite the challenges of living in the mountains. Overall was a good experience and glad I went with Joel and Roof Technologies.

— Andy M. — Google Review
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Hail Damage Roofing — Loveland, CO

The Loveland 2018 Storm Didn't End — We're Still Working It

On July 10, 2018, softball-sized hail hit Loveland and the surrounding Larimer County corridor harder than any other city in Colorado's recorded history. Roughly 2,500+ insurance claims were filed in Loveland alone in a single day, and the event totaled about $2.3 billion in insured damage statewide. Roof Technologies worked that storm from hour one — thousands of Loveland inspections, thousands of claims documented, and seven years on we're still filing supplements and recovering depreciation on 2018-event policies that were underpaid or never closed properly.

  • 2018 storm veterans — thousands of Loveland claims worked on-site
  • Ongoing 2018 supplement & depreciation-recovery work, 7+ years in
  • Class 4 UL 2218 impact-rated shingle installations — the post-2018 default
  • City of Loveland & Larimer County re-roof permit handling
  • Centerra Community Association ARC submissions on post-hail re-roofs
  • Carrier-direct documentation for State Farm, USAA, Allstate, Farmers, Liberty Mutual
  • Dual-peril Big Thompson flood + hail claim coordination
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2,500+Loveland Claims Filed In a Single Day — 7/10/2018
$2.3BTotal Insured Damage — Largest Hail Event in CO History
7yrsOf Ongoing Supplement Work
Roof Technologies crew documenting post-2018 hail damage on a Loveland, CO home
July 10, 2018 Loveland — Epicenter of the Largest Hail Event in Colorado History
July 10, 2018

The Storm That Made Loveland a Roofing City

A single supercell afternoon that reset the Loveland roofing market — and is still generating supplement work seven years on.

Softball Confirmed Hail Size
(4.5"+ stones logged)
2,500+ Insurance Claims Filed In Loveland On 7/10/2018 Alone
$2.3B Statewide Insured Damage — #1 In CO History
7 Years Of Active Supplements & Depreciation Recovery Still Open

The July 10, 2018 event didn't just damage roofs — it overwhelmed the carrier response infrastructure for months. Adjusters flew in from every neighboring state, scope inspections ran at triple the normal pace, and the shortcuts showed up later. Depreciation went unclaimed. Soft-metal damage on vents, flashings, and AC condensers was routinely missed on initial scopes. Code-upgrade line items — drip edge, ice-and-water, ventilation — got omitted. Ridge and hip lines were spot-checked instead of fully documented.

That's why 2018 is still a live event on our service calendar today. Loveland homeowners who were re-roofed in 2018 or 2019 are now approaching mid-lifecycle granule loss; the roofs placed as rushed cash-out work are showing the consequences; and a measurable share of those original claims still has recoverable depreciation sitting on carrier books that was never released. If your claim number ends in a 2018-era issue, there is often money still owed to you — we know how to get it moving again.

Our Process

How a Loveland Hail Claim Actually Runs

Straight work, straight scope, straight paper trail — the same documentation standard we built for 2018-catastrophe volume, applied to every single claim.

Step 01

Free On-Site Inspection

Slope-by-slope chalked test squares, soft-metal inspection, attic-side moisture check, and photo documentation every adjuster will recognize.

Step 02

Claim Decision

We tell you honestly whether to file. If the damage won't support a claim, we say so — a zero-paid claim still counts against your policy history.

Step 03

Adjuster Walk

We meet your carrier's adjuster on-site and walk the roof together so the scope reflects what's actually there — not a pre-written template.

Step 04

Class 4 Install & Permit

City of Loveland or Larimer County permit filed, Centerra ARC submitted if applicable, Class 4 impact-rated shingles installed under a single project manager who coordinates every phase.

Step 05

Supplement & Depreciation

Supplement packet built during tear-off for anything the initial scope missed. Final invoice submitted so recoverable depreciation actually gets released.

Residential
Roofing Insurance
Claims Hail-Damaged
Gutters Hail-Damaged
Siding AC Condenser
Hail Damage Window Screen
Damage Post-Hail
Paint & Trim Solar at Re-Roof
(Loveland PRPA) Commercial
Hail Claims Tesla Solar
Roof
Why Loveland Chooses Us After Hail

Thousands of Post-2018 Loveland Roofs. Still Counting.

Loveland didn't just get hit by a hail storm on July 10, 2018 — it got hit by the hail storm. The single costliest hail event in Colorado's history, with the epicenter sitting squarely over the Sweetheart City. In the twelve-to-twenty-four months that followed, a significant share of Loveland's housing stock was re-roofed, and we worked a substantial volume of those jobs — from Centerra and The Ranch across to Mariana Butte, from Sylvan Dale down through Thompson Valley, and up to Lake Loveland.

The carrier relationships we built during that event still run every supplement pipeline we file today. The evidentiary photo and measurement standard we developed for 2018-catastrophe volume is the same standard every single Loveland inspection gets now, whether it's a mid-lifecycle re-inspection on a 2019 cash-out roof, a depreciation-recovery claim on a policy that never closed, or a brand-new storm on a previously-replaced roof.

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Post-2018 hail damage re-roof in progress on a Loveland, CO home
The Post-2018 Standard

Class 4 Impact-Rated Shingles — Why They're the Default in Loveland Now

The July 10, 2018 storm totaled shingles that had only been on the roof for a few years. After that event, the Loveland roofing market effectively reset its baseline — Class 4 impact-resistant shingles, rated per UL 2218 as the highest impact class, are now what we specify on more than 90% of post-hail re-roofs. They hold up measurably better, and every major Colorado carrier publishes an impact-resistant discount that offsets the upgrade cost.

  • 01
    UL 2218 Class 4 Rating

    The highest impact-resistance class. Shingles are tested against 2-inch steel balls dropped from 20 feet — the industry's most aggressive hail impact standard.

  • 02
    Insurance Discount That Offsets the Upgrade

    5% to 28% off the wind/hail portion of your Colorado policy premium, depending on carrier. On a Hail Alley policy, that discount typically pays back the material upgrade in 3–5 years.

  • 03
    Post-2018 Field Evidence

    The shingles that survived July 10, 2018 on still-intact roofs were overwhelmingly Class 4. The shingles that didn't were overwhelmingly standard architectural.

  • 04
    Centerra ARC Pre-Approved Palette

    Centerra's Architectural Review Committee maintains a curated Class 4 list across Owens Corning, GAF, and CertainTeed SKUs — we work within that palette on every Centerra re-roof.

Loveland Carrier Class 4 Discounts

State FarmUp to 22%
USAAUp to 28%
AllstateUp to 20%
FarmersUp to 18%
Liberty MutualUp to 15%
American FamilyUp to 20%

Discounts apply to the wind/hail portion of premium; confirm current rates with your agent. We provide the manufacturer certification letter your carrier needs to activate the discount.

Service Area

Loveland & Surrounding Larimer County Hail Damage Service

Same crew, same 2018-standard documentation — wherever the storm track rolled through.

Loveland
Centerra
The Ranch
Thompson Valley
Boyd Lake
Mariana Butte
Lake Loveland
Sylvan Dale
Alford Lake
Seven Lakes
High Plains Village
Lakes at Centerra
Millennium
Horseshoe Lake
Downtown Loveland
Sunset Vista
Spring Glade
McKee
Rivermont
Berthoud
Johnstown
Milliken
Windsor
Timnath
Campion
Masonville
Larimer County
Eastern Weld County

Related Reading & Service Pages

City Hub Loveland, CO Roofing & Solar →

Our general Loveland landing — Centerra, The Ranch, Platte River Power Authority interconnection, the Sweetheart City service area.

 Neighboring City Fort Collins, CO Roofing →

Same I-25 Hail Alley corridor, same PRPA municipal-power grid. Fort Collins service, CSU-area homes, Old Town rehab expertise.

 Claim Process Residential Insurance Claims →

How our hail claim process actually runs — scope standards, adjuster walks, supplements, ACV-to-RCV depreciation recovery.

 Read Storm Damage 101: Hail, Wind & Insurance →

A homeowner's primer on filing a storm claim — what gets covered, what doesn't, and how to avoid the common post-storm pitfalls.
Roof Technologies

What Our Loveland Hail-Claim Customers Say

"Joel Johnson was my rep and helped me navigate the process. They helped me overcome some hurdles with my insurance company. The communication was great and installation was efficient despite the challenges of living in the mountains. Overall was a good experience and glad I went with Joel and Roof Technologies."
— Andy M. — Google Review
"Bo Horton, Kimberly Lasley and Jeffrey Sayers were all very helpful. I am pleased with the work the crew did. My new roof looks great and Bo worked out all the details with my Insurance Company."
— Jon Eric Ferguson — Google Review
"Super happy with Roof Technologies. Joe and Josiah really helped me understand the process and advocated with my insurance company to recover additional $$ for gutters and paint. I am so glad I worked with them!"
— MFM — Google Review
"We had an outstanding experience with Bo Horton from start to finish! The team was professional and punctual. They provided a detailed estimate upfront, explained every step clearly, and delivered exactly what they promised — on time and on budget."
— Christopher Utrup — Google Review
"When I called Joe R for some roofing help it was clear that I was dealing with a top notch professional. He was knowledgeable, timely, courteous, and went above and beyond my expectations in every way. Be sure to ask for Joe when you contact Roof Technologies — you will not regret it."
— Jay Sohn — Google Review

Class 4 Manufacturer & Claim Partners

IKO RoofPro Select CertainTeed Tamko Owens Corning UL 2218 Class 4 BBB Accredited
Free Loveland Hail Inspection

Request Your Post-Storm or 2018-Supplement Re-Inspection

Whether you were hit by the July 10, 2018 catastrophe, a subsequent hail event, or you simply want an honest assessment of a mid-lifecycle Loveland roof — a Loveland-area project manager will reach out shortly. No pressure, no obligation, no AOB paperwork pushed at the first visit.

855 ROOF-001
Serving Loveland, Larimer County & the I-25 Hail Alley Corridor
info [at] rooftechnologies.com
By submitting this form, you agree to receive communications from Roof Technologies regarding your inquiry, including calls, emails, or text messages. Message and data rates may apply. You can opt out at any time. We will not waive, eat, or rebate your deductible — that is insurance fraud in Colorado and every state we operate in.

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855 ROOF-001

FAQ

Loveland Hail Damage Questions — Answered

On July 10, 2018, a supercell dropped softball-sized hail on Loveland and surrounding Larimer County — roughly 2,500+ insurance claims were filed in Loveland alone in a single day, and the event ultimately caused about $2.3 billion in insured damage statewide, making it the most destructive hail event in Colorado history. Loveland sat at the epicenter. The sheer volume overwhelmed carriers for months, and shortcuts were taken — sloppy initial scopes, missed soft-metal and code-upgrade line items, and depreciation that was never recovered because work stalled. Seven years later, a measurable share of our Loveland inspection calendar is still 2018-storm supplement and depreciation-recovery work for homeowners whose original claim was underpaid or never fully closed.
Often, yes. Three doors commonly remain open: (1) unrecovered depreciation — if your initial ACV check went out but the work was never completed and invoiced, the recoverable-depreciation payment was never released, and that can be thousands or tens of thousands left on the books; (2) late-discovered damage — attic leaks, slope settling, and metal fatigue that only became visible months or years later but trace back to the 2018 event; (3) supplement line items the original scope missed, especially drip edge, ice-and-water, ventilation code upgrades, and AC condenser fin damage. Each carrier has its own window and documentation standard, but we still successfully open and close 2018-event work regularly. Bring us your claim number, your original estimate, and your payment ledger and we'll tell you honestly what's recoverable.
After July 10, 2018, the Loveland market effectively reset its shingle baseline. Standard 3-tab and even mid-grade architectural shingles that had just been installed in the early 2010s were totaled by the softball hail. Class 4 impact-resistant shingles — rated per UL 2218 as the highest impact class — held up measurably better across the post-storm inspection data. Today we specify Class 4 on more than 90% of Loveland re-roofs, and most major Colorado carriers (State Farm, USAA, Allstate, Farmers, Liberty Mutual, American Family) offer a 5%–28% discount on the wind/hail premium portion when a Class 4 shingle is on the roof. On a Hail Alley policy, that discount typically pays back the material upgrade in three to five years — and the roof lasts through the next event.
Inside Loveland city limits, post-hail re-roofs are permitted through the City of Loveland's Citizen Access online portal (Current Planning & Building Services) — signed contract, manufacturer spec sheets, and typically a mid-roof plus final inspection. Homes in unincorporated Larimer County — Masonville, parts of the foothills west of town, outlying Campion, and rural parcels east of I-25 — are permitted through the Larimer County Building Department instead, which uses a different fee schedule and inspection cadence. Address boundaries sit exactly on dispatch lines homeowners rarely know about, and filing the wrong permit can delay insurance funding. We verify the jurisdiction on every Loveland-area claim before submission and route the paperwork correctly.
Centerra's master-planned community — High Plains Village, Lakes at Centerra, Millennium, and the surrounding pods — runs every exterior change through the Centerra Community Association Architectural Review Committee, even when the re-roof is insurance-driven. The ARC maintains a pre-approved list of Class 4 impact-rated shingle SKUs and color palettes, typically curated Owens Corning, GAF, and CertainTeed families in earth tones. We pull current ARC guidelines, submit the post-hail application with manufacturer documentation and your insurance scope attached, and do not start tear-off until written approval lands. On 2018-scale storm volume, Centerra's ARC was granting batched approvals — we know the workflow and can pace submissions so carrier funding lines up with ARC sign-off.
Loveland's dominant hail carriers, in rough order of claim volume we see on-site: State Farm (largest regional share, file-and-adjust model), USAA (high density through military/veteran families in Mariana Butte, The Ranch, Centerra), Allstate, Farmers (strong in the Thompson Valley corridor), Liberty Mutual, and American Family. All six publish a UL 2218 Class 4 impact-resistant shingle discount on Colorado policies, typically 5%–28% off the wind/hail portion of the premium. Structures vary — some apply the discount at renewal, some require a manufacturer certification letter on file, some phase it in over a policy term. We generate the certification letter as part of every Class 4 installation so your carrier has exactly the document they need to activate the discount.
The Big Thompson runs through the middle of Loveland, and the 1976 Big Thompson flood and the 2013 Colorado Front Range flood left an ongoing flood-zone footprint along River Road, Namaqua, and Viestenz-Smith corridors. When hail damage lands on a property that also has active flood exposure, you have two separate policies: your homeowner policy (handles hail to roof, siding, gutters, screens, AC, and elevated exterior) and your NFIP flood policy (handles ground-level inundation damage). Two adjusters, two timelines, two scopes. We document the hail scope cleanly above any flood line so nothing is double-counted — flood adjusters will bounce hail claims that appear to include ground-level water exposure, and hail adjusters will do the same in reverse. We coordinate both and keep the paper trail straight.
Loveland is NOT on the Xcel Energy grid. The City of Loveland buys wholesale power from Platte River Power Authority — the same municipal-power consortium that serves Fort Collins, Longmont, and Estes Park — and retail service is through Loveland Water & Power. If your post-hail re-roof is the moment you add solar (often the cleanest time to do it, since you're already tearing off), the interconnection application, system-size cap, net-metering credit structure, and bi-directional meter swap are all administered by Loveland Water & Power, NOT the Colorado Public Utilities Commission or Xcel. Denver-metro solar installers routinely get this wrong. We file the Loveland-specific paperwork, schedule the meter swap around the re-roof completion date, and make sure your insurance scope and the solar permit don't collide at the city review desk.