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Frequently asked. Honestly answered.

The questions homeowners actually ask — insurance, financing, warranties, materials, timelines, and the difference a Class 4 shingle makes.

Will my insurance premium go up if I file a hail claim?

In Colorado, weather-event claims (hail/wind) generally do not raise individual premiums — carriers price hail risk by ZIP code, not by individual household. Filing a legitimate storm claim is what your policy is for.

Do I have to use my insurance company's preferred contractor?

No. Colorado and Texas law gives you the right to choose your roofer. Carriers can recommend, but cannot require.

How long does a roof replacement actually take?

Most residential roofs are 1 day — tear-off in the morning, new roof on by sunset, magnet-sweep for nails, photos delivered. Larger or steeper roofs may run 2–3 days. We tell you up-front in the written estimate.

What's a Class 4 impact-resistant shingle?

A Class 4 shingle has passed UL 2218 testing — a 2-inch steel ball dropped from 20 feet. Most Colorado carriers offer 5–30% premium discounts on roofs with Class 4 shingles. We'll show you which TAMKO and Malarkey lines qualify.

What financing options do you offer?

$0-down financing through approved lenders, terms from 12 to 144 months. Pre-qualify in 60 seconds with no impact to your credit score. See financing details →

What warranty do I get?

As a TAMKO Pro Gold Certified Contractor we offer the TAMKO Heritage Premium Plus Warranty — covering both materials and workmanship, transferable to the next homeowner. Our workmanship warranty is 10 years standard, lifetime on Class 4 installs.

Are you licensed and insured?

Yes. Fully licensed in Colorado, full general liability, full workers' comp, BBB A+ accredited. Ask for proof on-site — we keep it in the truck.

What if my claim is denied?

It happens. We've reversed dozens of denials by re-documenting damage with drone imagery the original adjuster missed, and filing a re-inspect request. There's no fee for our help on the appeal.

Do you handle commercial properties?

Yes. TPO, EPDM, modified bitumen, silicone & acrylic coatings. FLIR thermal-imaging diagnostics, moisture mapping, PSA/MSA service agreements available. See commercial services →

Can you match my shingle if I just need a partial repair?

Often yes. We carry the major TAMKO and Malarkey lines and can usually source a discontinued shingle within 1–2 weeks. For roofs older than ~12 years, we'll discuss whether partial repair makes sense vs. full replacement.

What about my landscaping and gutters?

We tarp landscaping during tear-off, magnet-sweep the entire perimeter for nails, and photograph the property before and after. If you're replacing gutters too, we time them right after the roof — single crew, single trip.

Do you offer same-day emergency service?

Yes — for active leaks and storm tarping we'll be on-site the same day. The full repair is scheduled around materials availability, but we won't leave you with water in your house.

Question we didn't answer?

Call us. We'd rather you ask than guess.