Garage door dented by hail in Fort Collins or Loveland? Step-by-step guide to filing the insurance claim, what's covered, and how to pick the repair company.
Hail in Northern Colorado isn't if, it's when. Here's the exact process we walk homeowners through every summer — claim, adjuster, repair, paid.
Northern Colorado averages 3–5 significant hail storms a year, and Fort Collins, Loveland, Windsor, and Greeley all sit squarely in 'Hail Alley.' If your garage door is dented, dimpled, or panel-cracked from hail, here's exactly how we walk homeowners through the insurance claim — start to check in hand.
Step 1: document the damage immediately. Take photos in daylight, from straight-on and at an angle so the dents catch shadow. Photograph every panel. Note the date of the storm — your insurer will cross-reference NOAA records.
Step 2: call your insurer and open a claim. Most homeowners policies in Colorado cover hail damage to garage doors under the dwelling coverage with your standard deductible (typically $1,000–$2,500, or a separate wind/hail deductible that may be a percentage). You don't need a repair quote to open the claim — just open it.