Frequently Asked Questions

Yes. Roofing Demo is a fully licensed and insured family-owned contractor, and we have served the greater Denver metro area since 2009. We carry general liability coverage and workers' compensation for our crews, and we are happy to provide certificates of insurance and license information before work begins. We also hold an A+ rating with the Better Business Bureau, which reflects a long track record of resolving customer concerns responsibly. We encourage every Denver homeowner to verify a few things regardless of who they hire. Ask for proof of current liability insurance and workers' compensation, confirm the license status with the state or local authority, and request a written contract that spells out the scope, materials, timeline, and payment terms. If a crew member is injured on your property and the contractor does not carry workers' compensation, that risk can fall back on you as the homeowner. It is also worth checking whether the company has a physical local presence, a verifiable address, and references from recent jobs in neighborhoods like yours. Roofing is a high-turnover industry, and out-of-state crews often appear after a major hailstorm and disappear before warranty issues surface. A contractor with a real local reputation, proper insurance, and a documented process is the best protection you can build into your project.

In most cases, yes, if the damage was caused by a covered peril such as hail, wind, or a fallen limb. Denver sits in one of the most active hail corridors in the country, so many Colorado policies include specific roofing provisions, deductibles, or actual cash value terms that differ from a standard replacement policy. Our team inspects your roof, documents the damage with photos and measurements, and prepares a clear summary you can submit with your claim. We also meet your adjuster on site whenever possible so the scope of work is accurate and nothing gets missed. Once the insurance company approves the claim, we review the adjuster's report line by line with you. It is common for an initial estimate to omit items such as drip edge, ridge ventilation, flashing, or code-required upgrades, and those items can often be added through a supplement. We handle that back-and-forth for you and explain what is covered, what your deductible is, and what out-of-pocket costs, if any, you should expect before we begin. A few practical notes for Denver homeowners: file your claim promptly, since many policies have deadlines for reporting storm damage, and avoid signing anything with a contractor who offers to waive your deductible, as that is generally not permitted in Colorado. If your roof is older and the claim is denied or settled at depreciated value, we can walk you through repair options, financing, and the pros and cons of waiting versus replacing now.

The honest answer is that it depends on the age of the roof, the extent and location of the damage, and how the rest of the system is holding up. A roof that is under ten to twelve years old with isolated damage, such as a cracked pipe boot, a lifted shingle, or flashing that has pulled loose, is usually a candidate for a targeted repair. A roof that is twenty years or older, has widespread granule loss, multiple layers of old shingles, or repeated leaks in different areas is generally better served by a full replacement. During our inspection we look at far more than the surface. We check attic ventilation, decking condition, valley and chimney flashing, penetrations, and the condition of the underlayment, because a leak that shows up in your ceiling often starts somewhere else entirely. Denver's freeze-thaw cycles and intense UV are hard on sealants and flashing, so small issues can turn into saturated decking and insulation if they are ignored for a season or two. We give you a straight recommendation with photos and a written explanation, and we will tell you when a repair is the smarter financial choice. If we believe a replacement is warranted, we explain why and what happens if you wait. There is no pressure either way. Our goal is a roof that protects your home and a decision you feel good about five years from now, not just a signed contract today.

Yes, we offer financing options designed to make a roof replacement manageable instead of a single lump-sum expense. Many Denver homeowners use financing when an insurance claim settles below the full cost, when they need to cover a deductible, or when the roof has reached the end of its life and the work is not insurance-related. Plans typically range from short-term options with no or low interest, when available, to longer-term installment plans with predictable monthly payments. During your estimate we will review the available options with you, explain the terms in plain language, and let you know what information is usually needed to apply. Approval decisions and rates are determined by the lending partner, not by us, and applying generally does not obligate you to move forward with the project. If you would rather pay in stages as work progresses, we can structure a payment schedule that matches the project milestones. We also work with homeowners who want to combine sources, such as using an insurance payout toward the balance and financing the remainder, or timing a replacement around a tax refund or bonus. If cost is the main concern, tell us up front. We would rather help you find a workable plan than have you postpone a repair that could lead to interior water damage, mold, and a much larger bill later.

Every new roof we install comes with two layers of coverage: the manufacturer's material warranty on the shingles and components, and our own workmanship warranty on the installation. Material warranties are provided by the manufacturer and generally cover defects in the product itself, while workmanship coverage addresses installation-related issues such as improper flashing, fastening, or penetration sealing. We explain both in writing before you sign so there are no surprises later. Coverage length and terms depend on the specific roofing system you choose. Some shingle lines offer stronger, non-prorated periods than others, and certain warranties require registration within a set window after installation. We handle the registration paperwork for you and keep a copy of your warranty documentation on file, which is helpful if you sell the home or need to make a claim years down the road. It is important to understand what warranties do not cover. Damage from hail, wind, falling limbs, foot traffic, or improper maintenance is typically excluded and would instead be an insurance matter or a repair. That is why we recommend keeping up with simple maintenance, such as clearing debris and checking flashing after major storms, and having your roof inspected after any significant Denver hail event. Our workmanship warranty is tied to the fact that we are a local, family-owned company that has been here since 2009. If something related to our installation is not right, you can call us directly and we will come out and make it right.

We serve both. While a large share of our work is residential re-roofing and storm damage restoration across the Denver metro area, our roofing specialists also work on commercial and multi-family properties, including retail buildings, offices, warehouses, apartment communities, and small industrial facilities. Commercial projects often involve flat or low-slope systems such as TPO, EPDM, or modified bitumen, and we match the system to the building's structure, drainage, and budget rather than applying a one-size-fits-all approach. Commercial roofing in Colorado comes with its own considerations. Flat roofs need properly designed drainage to handle heavy rain and snowmelt, and UV exposure at altitude ages membranes faster than in lower elevations. We inspect seams, penetrations, drains, and parapet details carefully, and we can often extend the life of a building with targeted repairs or a coating rather than a full tear-off. For property managers, we can schedule work around tenant hours and provide documentation for capital planning. We also understand that commercial clients need predictable timelines and clear communication. You will get a written scope, a schedule, and a single point of contact from inspection through final walkthrough. Whether you own one building or manage a portfolio, we are happy to put together a maintenance plan that catches small problems before they become emergency repairs.

Start with proof of licensing and insurance, a physical local address, and a written contract that clearly lists materials, scope, and payment terms. Ask how long the company has operated in the Denver area and request references from recent projects similar to yours. A contractor who has weathered multiple hail seasons locally understands how Colorado adjusters, permit offices, and building codes work, which matters when you need a claim supplemented or a code detail handled correctly. Be cautious with door-to-door solicitations that follow a major storm, especially from companies that cannot show local credentials or ask for full payment up front. A reasonable deposit is normal, but large upfront cash payments are a red flag. You should also be wary of anyone who offers to waive your insurance deductible, promises to cover it themselves, or pressures you to sign the same day. Reputable contractors give you time to review the proposal and never ask you to misrepresent damage to your insurer. Finally, look at how the company communicates before you hire them. Do they answer questions clearly, put commitments in writing, and explain the warranty in plain language? Do they walk the roof themselves or send a salesperson who never returns? At Roofing Demo, we are a family-owned, fully licensed and insured company that has served greater Denver since 2009 with an A+ BBB rating, and we treat every estimate as an opportunity to educate rather than pressure. We recommend using the same standard with anyone you consider, including us.