Does Insurance Cover Hail Damage to Siding? Denver Guide

Updated November 2026. How Denver homeowners deal with hail damage to siding: what insurance pays, how Colorado wind and hail deductibles work, the matching question, and the claim steps. Colorado Division of Insurance pages, Colorado statutes and Insurance Information Institute data read November 13, 2026.

If hail is a covered peril on your policy, your insurer pays to repair or replace hail-damaged siding, minus your deductible. In Colorado, many policies carry a separate wind and hail deductible of 1%, 2% or 5% of your coverage, per the Colorado Division of Insurance. As of November 2026, no Colorado law makes the insurer match undamaged walls.

Jump to: 🏠 Is it covered? · 💲 Deductibles · 🪜 Matching · 📋 The claim · 🤝 Selling · ❓ FAQ

This guide used to cover all the ways Denver weather wears out siding: hail, wind, and snow that melts and refreezes against the walls. Hail is the one that turns into an insurance claim. So that’s our focus now. The siding check near the end still helps you catch wind and water damage early.

Does homeowners insurance cover hail damage to siding?

Usually, when hail is a covered peril on your policy. Read the declarations page and the wind and hail part before a storm, not after. Three things decide what you get paid:

• Your deductible, and whether hail has its own.
• Whether the policy pays replacement cost or actual cash value. Cash value takes off wear and age.
• What the adjuster agrees was caused by this storm, not by old damage.

The Colorado Division of Insurance (DOI) says the insurer is “only required to repair or replace the actual damages caused by the covered event” (Colorado DOI, After a Hail Storm FAQs). Old cracks and faded paint aren’t part of the claim. So keep dated photos of your walls each spring and fall.

Hail isn’t rare here. The Insurance Information Institute, using NOAA data, counts 244 major hail events in Colorado in 2025, sixth among states (Insurance Information Institute, Facts + Statistics: Hail). The Rocky Mountain Insurance Information Association puts the damaging season from mid-April to mid-September (RMIIA hail statistics).

How do wind and hail deductibles work in Colorado?

Many Colorado policies set the hail deductible as a share of your dwelling coverage. The DOI gives 1%, 2% and 5% as examples, and warns that “if damage estimates are below your deductible,” the company won’t issue a payment (Colorado DOI consumer advisory, May 31, 2024).

The percentage applies to your dwelling coverage. That’s the cost to rebuild, not what the home would sell for. Here’s what that looks like on a policy with $400,000 of dwelling coverage (a made-up example):

For scale, the median value of an owner-occupied home in Denver was $636,400 in the Census Bureau’s 2024 one-year survey (Census Reporter, Denver, CO). At that price, a 2% deductible can be bigger than a siding-only repair. But hail that hits siding often hits the roof too, and one claim covers both.

When you shop for coverage, ask what a lower hail deductible costs per year. Our guide to choosing home insurance lists the other factors to compare.

Will insurance replace all my siding if only one side is damaged?

Not by law in Colorado. The DOI’s hail FAQ says there are no laws that require a company to “match” siding or paint on parts of the house the storm didn’t damage. Hail tends to hit the side that faces the storm. So this comes up a lot.

What you can do:

• Ask the contractor whether your siding profile and color are still made. If not, get that in writing.
• Read your policy for any wording on “like kind and quality” and ask the adjuster how it applies.
• Ask for an itemized explanation of the settlement, and for the exact policy language behind any part they won’t pay.

Sometimes it pays to re-side a whole wall yourself, mostly before a sale. A wall that doesn’t match shows in every photo.

How do you file a hail claim for siding in Denver?

The DOI’s advice after the May 2024 metro storm boils down to a few steps:

• Call your insurer or agent as soon as you can to open the claim.
• Photograph the damage when it’s safe, before any cleanup. Many insurers accept photos with the claim.
• Stop further damage: cover holes, tarp the roof, seal broken windows.
• Ask the adjuster for an itemized settlement. If the claim is denied, get the reason and the policy wording in a letter.
• Don’t rush. The DOI says to be ready to negotiate and to get several contractor quotes if the first offer seems low.

Expect door knockers. The DOI warns that roofing and construction contractors start door-to-door and phone sales after storms. Colorado law says a roofing contractor “shall not advertise or promise to pay, waive, or rebate” any part of your insurance deductible (C.R.S. 6-22-105). Work with a local, established firm. A siding contractor in Denver with a long track record can tell you what’s cosmetic and what lets water in, and can document it for the adjuster.

Public adjusters are licensed by the DOI. They work for you, and they often charge a share of the claim. You don’t have to hire one. Questions about how your claim is handled can go to the DOI’s Consumer Services Team, listed on doi.colorado.gov.

On timing, your policy sets the deadline to report a loss, so report early. Colorado law also stops a home policy from cutting the time to sue below the state’s statute of limitations. And it gives you at least 365 days after living-expense coverage ends to replace property and collect held-back depreciation (C.R.S. 10-4-110.8).

How do you spot hail damage on siding?

Walk the house the day after a storm, starting with the side that faced it. Look for cracked or punctured vinyl, round dents in aluminum or steel, chipped paint on wood and fiber cement, and dents in gutters and downspouts. Roof granules collecting at the bottom of downspouts point to roof damage too; see why buyers check the roof first.

Wind and water damage show up between storms. Walk around slowly in late March and late September. Look for loose or bowed panels, cracked caulk, soft trim and paint that blisters. Take photos from the same spots each time. If water got in, our guide to dealing with water damage covers the first 48 hours.

Does a hail claim matter when you sell your Denver home?

Yes. Buyers in hail country ask about the roof and siding early, and their inspector will look. Keep the claim file, the adjuster’s estimate, the contractor invoice and any warranty together. Our guide to selling a house in Denver covers what Colorado sellers disclose and the forms involved. Our list of repairs to consider before selling helps you decide what to fix first.

A quick note on coverage: Beycome doesn’t list homes in Colorado yet. If you’re moving from Denver to one of the 17 states and DC where Beycome lists, you can put your next home on the major home search sites and the MLS, Basic from $99 in most states (see your state page), with $0 due to Beycome at closing. 22,000+ homeowners have saved over $225 million with Beycome (Beycome internal data, October 2026).

Selling in a state Beycome covers? See Beycome listing packages.

Denver hail and siding questions