Northern Colorado's Premier Storm Restoration & Roofing Experts
At D&D Roofing, we specialize in seamless storm restoration, insurance claims, and premium roofing solutions for homeowners and businesses across Northern Colorado. With 20+ years of experience and a 98% insurance claim success rate, we make your roofing project stress-free.
Colorado Insurance Claim Timelines & Legal Rights
Understanding Colorado's insurance regulations is crucial when filing claims after storm damage. Here's what you need to know about timelines, obligations, and your legal rights:
Colorado Insurance Regulations
House Bill 21-1061 created enhanced protections for property owners effective January 2022, ensuring your hail, wind, or water damage claim is handled promptly without unnecessary delays.
Critical Claim Deadlines
Insurance carriers must acknowledge claims within 7 days, provide claim forms within 14 days, determine coverage within 30 days, and issue payment within 60 days of receiving proof of loss. Failure triggers 8% interest penalties plus attorney fees.
Catastrophic Event Extensions
After events like the Marshall Fire or May 2017 hailstorm, carriers may request timeline extensions from the Colorado Division of Insurance, though these only apply to initial claim processing—not to supplemental payments.
Policyholder Responsibilities
Report damage within 60 days of discovery, submit sworn proof of loss documentation, implement temporary repairs to prevent secondary damage (saving all receipts), and provide access for inspections within 14 days of request.
Policy Notification Requirements
Most Northern Colorado policies specify notification "as soon as reasonably possible" with a 60-day deadline after the damage event. Proof of loss documentation typically must be submitted within 60 days of the company's formal request.
Legal Dispute Protection
For bad faith insurance practices, policyholders have two years from denial or payment impasse to file suit. Colorado courts have awarded penalties of 200% of covered benefits plus attorney fees in cases of willful misconduct.
Landmark Legal Precedents
In Skillett v. Liberty Mutual (2018), the Colorado Supreme Court awarded $395,000 in penalties against an insurer who initially offered just $69,000 for a valid roof claim—a powerful precedent for Northern Colorado homeowners.
Professional Assistance
D&D Roofing partners with local insurance specialists and connects homeowners with Fort Collins-based attorneys specializing in storm damage claims. Our documented process has achieved a 98% approval rate, ensuring maximum compensation without upfront costs.
Comprehensive Roofing Services for Every Need
Roof Repair & Replacement
From minor repairs to complete roof replacement, our expert team delivers lasting solutions using premium materials and superior craftsmanship for residential properties throughout Northern Colorado.
Storm Damage Restoration
Our insurance claim specialists help you navigate the complex claims process with a remarkable 98% success rate, ensuring maximum coverage while minimizing your out-of-pocket expenses.
Commercial Roofing
We provide expert installation and repair services for all commercial roof systems, including TPO, EPDM, and specialized liquid-applied coatings designed for durability and energy efficiency.
Your Northern Colorado Roofing Partner
1
Local Expertise
Based in Fort Collins, we understand Northern Colorado's unique weather challenges and building code requirements, providing solutions perfectly tailored to local conditions.
2
Insurance Claim Specialists
With 20 years of experience navigating complex insurance claims, we ensure maximum coverage and minimal stress during the restoration process.
3
Premium Materials
As certified installers for GAF, Owens Corning, CertainTeed, and GenFlex, we use only the highest quality materials for lasting protection.
4
Clear Communication
Expect transparent pricing, regular updates, and straightforward explanations throughout your project—never any industry jargon or confusion.
Expert Storm Damage Restoration
Thorough Inspection
Our trained inspectors conduct a comprehensive assessment of your property, documenting all damage with detailed photos and measurements, including hard-to-access areas using our 4K drone technology when necessary.
Insurance Claim Support
We handle the paperwork, file the claim on your behalf, and provide all necessary documentation to your insurance company, making the process seamless and stress-free.
Adjuster Meeting Representation
Our experts meet with your insurance adjuster on-site to ensure all damage is properly identified and documented, maximizing your claim coverage.
Quality Restoration
Once your claim is approved, our skilled teams complete your restoration using premium materials, backed by strong manufacturer and workmanship warranties.
Class 4 Impact Resistant Roofing Specialists
Our certified installers specialize in premium impact resistant systems designed to withstand severe Colorado weather conditions, including intense hailstorms, heavy snow, and high winds that frequently challenge Northern Colorado homes and businesses. With decades of experience installing Class 4 roofing systems, our team provides unmatched expertise in selecting and installing the perfect impact resistant solution for your specific property needs.
Class 4 is the highest impact resistance rating available for roofing materials, determined through rigorous testing where materials must withstand steel balls dropped from significant heights without cracking or showing damage. This superior protection is essential for Colorado property owners looking to protect their investments against our region's challenging weather patterns.
Owens Corning STORM Series
Class 4 impact resistant shingles represent the highest level of protection available, designed specifically for regions with frequent hailstorms. These premium architectural shingles combine exceptional durability with sophisticated aesthetics.
- Superior impact resistance against hailstones up to 2" in diameter
- Enhanced wind resistance up to 130 mph for Colorado's unpredictable weather
- Premium aesthetic options with dimensional appearance and shadow effects
- SureNail® Technology providing triple layer protection
- Limited lifetime warranty covering both materials and workmanship
Standing Seam Metal
Our 24-gauge metal roofing systems provide decades of protection with minimal maintenance requirements. The interlocking panel design eliminates exposed fasteners and creates a weathertight seal that performs exceptionally well in Colorado's challenging climate conditions.
- 50+ year lifespan with minimal maintenance required
- Maximum hail resistance with proven performance in severe storms
- Energy efficient design that reflects solar radiation and reduces cooling costs
- Environmentally friendly and 100% recyclable materials
- Snow shedding capabilities ideal for Northern Colorado winters
- Available in over 30 designer colors with PVDF finishes
Commercial Class 4 Systems
Specialized commercial applications like Fleeceback TPO with DensDeck offer unmatched durability for business owners. These systems are specifically engineered to protect commercial investments while providing excellent thermal performance and weather resistance for flat and low-slope applications.
- Superior puncture resistance against maintenance traffic and debris
- Enhanced weather protection with reinforced membrane technology
- Excellent energy efficiency with reflective surface options
- Reduced lifecycle costs through extended service life
- Custom-designed solutions for each building's specific requirements
- Fire-resistant properties for additional building protection
- Full system warranties up to 30 years available
Financial Benefits
Investing in a Class 4 roof provides significant financial advantages for Northern Colorado homeowners and business owners. Beyond the immediate protection benefits, these systems offer compelling long-term economic incentives that make them an intelligent investment decision for any property.
- Up to 25% insurance premium discounts with documented installation
- Protection against high deductibles in future storm events
- Increased home value and enhanced curb appeal
- Extended roof lifespan reducing replacement frequency
- Energy savings through improved thermal performance
- Potential eligibility for local building code incentives
- Reduced maintenance costs compared to standard roofing
- Peace of mind during severe weather events
Our team of roofing specialists will help you navigate the selection process to find the perfect Class 4 system for your specific needs, budget, and aesthetic preferences. We handle everything from material selection to insurance documentation, ensuring you receive the maximum benefits from your investment in premium impact-resistant roofing.
Material Expertise Across All Roof Types
Premium Asphalt Shingles
From standard architectural to high-end designer options like CertainTeed Presidential TL, we offer a complete range of asphalt shingle solutions with varying lifespans, appearances, and price points to fit any budget.
Metal Roofing Systems
We specialize in durable, energy-efficient metal roofing including standing seam, snap-lock panels, and stone-coated steel like DECRA, combining exceptional longevity with modern aesthetics for both residential and commercial applications.
Tile & Specialty Materials
Our expertise extends to concrete S tiles (Eagle Tile), traditional clay tiles (Ludowici), and specialty applications for historic or architecturally distinctive properties, preserving both protection and character.
Commercial Solutions
For flat and low-slope applications, we install TPO, EPDM, and liquid-applied coating systems that maximize durability, energy efficiency, and weather resistance for commercial properties throughout Northern Colorado.
Unmatched Insurance Claim Expertise
1
Comprehensive Damage Assessment
Our specialized inspectors document all storm damage with detailed photos, measurements, and professional reports designed specifically for insurance approval, including drone footage for difficult access areas.
2
Complete Claims Management
We handle the entire claims process from initial filing through final settlement, including all required paperwork, documentation, and communication with your insurance provider.
3
Adjuster Meeting Representation
Unlike most contractors, we personally attend your adjuster meeting to ensure all damage is properly identified and included in your claim, maximizing your coverage and minimizing out-of-pocket expenses.
4
Settlement Review & Negotiation
Our experts thoroughly review your insurance settlement, identifying any omissions or underpayments, then negotiate on your behalf to ensure fair and complete compensation for all covered damages.
Premium Gutter Installation & Repair
Custom Fabrication
Our on-site seamless gutter machines create custom-fit gutters for your exact specifications, eliminating leaky seams and ensuring perfect water channeling away from your home's foundation and landscape.
Professional Installation
Our specialized gutter teams ensure proper pitch, secure fastening, and perfect alignment for optimal water flow and decades of reliable performance, with minimal disruption to your property.
Leaf Protection Systems
We offer a variety of high-quality gutter guards and leaf protection systems to prevent clogging, reduce maintenance, and extend the lifespan of your gutter system while improving its effectiveness.
Our Satisfied Customers
Serving All of Northern Colorado
500+
Projects Completed
Across Northern Colorado communities including Fort Collins, Loveland, Windsor, Greeley, and Longmont.
98%
Insurance Claim Success
Our specialized knowledge ensures maximum coverage for storm damage restoration.
20+
Years Experience
Bringing decades of roofing expertise to every Northern Colorado project.
24/7
Emergency Response
Available when you need us most for urgent roof leak and storm damage situations.
Meet Jason Settle, D&D Roofing Owner
With a passion for quality craftsmanship and exceptional customer service, Jason has built D&D Roofing into Northern Colorado's most trusted roofing and storm restoration company. His dedication to excellence and integrity sets the foundation for everything we do.
20 Years Industry Experience
Jason brings two decades of roofing expertise with specialized knowledge in storm restoration and insurance claims processes. His experience spans residential, commercial, and historic preservation projects throughout Northern Colorado.
Customer-First Philosophy
Driven by a commitment to clear communication, transparency, and exceptional results on every project. This approach has earned D&D Roofing hundreds of five-star reviews and an exceptional reputation throughout Northern Colorado communities.
Multiple Certifications
Holding certifications from industry leaders including GAF, Owens Corning, CertainTeed, and GenFlex for the highest quality standards. These certifications allow D&D Roofing to offer extended warranty options unavailable through non-certified contractors.
Hands-On Approach
Personally involved in projects to ensure quality control, proper insurance documentation, and complete customer satisfaction. Jason remains directly accessible to clients throughout their project, conducting site visits and quality inspections.
As a long-time Northern Colorado resident, Jason understands the unique challenges our local climate presents for roofing systems and is committed to providing solutions that stand the test of time in our specific environment.
Commercial Roofing Solutions
Long-Term Protection
Systems designed for decades of reliable performance
Energy Efficiency
Reflective membranes and proper insulation
Weather Resistance
Engineered for Colorado's challenging conditions
Cost Effectiveness
Competitive pricing with long-term value
Our commercial roofing team specializes in TPO, EPDM, and liquid-applied coating systems that deliver exceptional performance for Northern Colorado businesses. From retail centers to warehouses, we provide durable, energy-efficient solutions tailored to your specific building requirements and budget constraints.
Advanced Inspection Technology
4K Drone Inspections
Our advanced drone technology enables detailed inspection of steep, complex, or hazardous roofs without risking safety or property damage. The high-resolution imagery captures even the smallest damage details for thorough documentation.
Thermal Imaging
We employ thermal imaging to locate hidden moisture and identify leaks that aren't visible to the naked eye. This technology helps pinpoint problems without invasive testing, saving time and preventing unnecessary damage.
Digital Documentation
Our digital measurement and documentation systems ensure accurate, detailed records of all roof conditions and damage findings, creating comprehensive reports ideal for insurance claims and project planning.
Signs Your Roof Needs Attention
Missing or Damaged Shingles
Wind and hail can tear, crack, or completely remove shingles from your roof. Even a few missing shingles can lead to water intrusion and more extensive damage if not addressed promptly. Look for bare spots on your roof or shingle pieces in your yard after storms.
Water Stains on Ceilings or Walls
Discoloration or water spots on your interior ceilings and walls often indicate a roof leak. These leaks may be far from where the stain appears, as water can travel along rafters and other structural elements before dropping onto your ceiling.
Granules in Gutters
Asphalt shingles shed their protective granules as they age or sustain damage. Finding large amounts of these granules in your gutters or downspouts indicates significant shingle deterioration and reduced weather protection.
Sagging Roof Deck
A roof that appears wavy or sagged indicates serious structural issues, potentially from long-term water damage or insufficient support. This requires immediate professional attention to prevent potential collapse.
The D&D Roofing Project Process
Free Comprehensive Inspection
Thorough assessment with detailed documentation
Clear Project Proposal
Transparent pricing with no hidden costs
Efficient Scheduling
Convenient timing with minimal disruption
Premium Installation
Expert workmanship with quality materials
Thorough Cleanup
Meticulous site cleaning and nail magneting
Colorado Building Code Compliance
Strict Adherence to Legal Requirements
At D&D Roofing, we maintain strict compliance with all applicable Colorado building codes and regulations, ensuring your roofing project is not only beautiful and durable, but also legally sound and properly documented.
Our team stays continuously updated on the latest code changes and requirements, including the International Residential Code (IRC), International Building Code (IBC), International Energy Conservation Code (IECC), and the International Existing Building Code (IEBC).
We understand that Northern Colorado's unique climate conditions require specialized knowledge of local amendments to these codes. Our project managers and installation crews receive regular training on both state-wide regulations and municipality-specific requirements to ensure every project meets or exceeds all standards.
Code Compliance Documentation
We provide comprehensive documentation packages for all completed projects, including:
- Detailed material specifications and installation methods
- Completed inspection certificates from local authorities
- Manufacturer warranty documentation tied to proper installation
- Photographic evidence of code-compliant details
Why Code Compliance Matters
- Ensures structural safety and proper installation
- Required for insurance coverage validity
- Protects property value and prevents future issues
- Necessary for permit approval and inspections
- Prevents costly fines and rework requirements
- Improves energy efficiency through proper insulation requirements
- Ensures adequate roof ventilation for longevity
- Guarantees proper flashing and waterproofing details
- Validates structural load calculations for snow and wind
We handle all permitting, inspections, and documentation, making the compliance process seamless and stress-free for our customers.
Northern Colorado Regional Considerations
Different municipalities across Northern Colorado have specific code amendments and requirements. Fort Collins, Loveland, Greeley, Windsor, and other communities may have unique specifications for:
- High wind zone requirements for fastening patterns
- Enhanced ice barrier underlayment specifications
- Special fire-resistant material mandates in wildland-urban interface areas
- Energy efficiency standards exceeding base state requirements
Liquid Applied Roofing & Coating Systems
Seamless Protection
Our liquid-applied systems create a monolithic, waterproof membrane without seams or joints where leaks can develop, providing superior protection even for complex roof geometries. These systems conform perfectly to irregular surfaces, flashings, penetrations, and other critical areas that are often vulnerable to water intrusion with traditional roofing methods. The continuous membrane eliminates the risk of open laps, loose fasteners, or material separation common in conventional systems.
Energy Efficiency
Reflective white coatings can reduce roof surface temperatures by up to 50-60°F, dramatically decreasing cooling costs and extending the life of your existing roof system. These "cool roof" solutions minimize thermal shock and UV degradation while potentially reducing HVAC equipment size requirements for new construction. Independent studies show buildings with reflective roof coatings typically experience 10-30% reduction in air conditioning costs, with even greater savings possible in warmer Colorado months.
Sustainable Solution
By restoring rather than replacing your existing roof, coating systems reduce landfill waste while providing Class 4 impact resistance and potential qualification for energy efficiency rebates. These environmentally responsible systems often contain low or zero VOCs (Volatile Organic Compounds), contributing to improved air quality and safer work environments. Many formulations incorporate recycled materials and are recognized by LEED and other green building certification programs for their contribution to sustainable construction practices.
Minimal Disruption
Installation requires no tear-off, reducing noise, mess, and business interruption while extending your roof's service life by 10-20 years at a fraction of replacement cost. The application process is significantly quieter than conventional roofing, allowing building occupants to continue normal activities during installation. For commercial buildings, this means maintaining business operations, avoiding customer inconvenience, and eliminating potential revenue loss associated with traditional roof replacement downtime.
Superior Weather Resistance
Our liquid applied systems offer exceptional resistance to Colorado's extreme weather conditions, including hail, UV exposure, thermal cycling, and heavy snow loads. These high-performance coatings maintain their elasticity in temperatures ranging from -40°F to 180°F, allowing them to expand and contract with the building while maintaining watertight integrity. Specialized formulations provide enhanced resistance to ponding water, chemical exposure, and other environmental challenges specific to your facility needs.
Long-Term Cost Benefits
Beyond the immediate savings compared to roof replacement, liquid applied systems offer substantial life-cycle cost advantages. These include reduced maintenance expenses, lower energy consumption, potential insurance premium reductions, and the ability to recoat in the future at minimal cost to extend warranty protection. When factoring in the tangible and intangible costs of traditional tear-off, including potential damage to building interiors, disruption to operations, and environmental impact, coating systems typically deliver ROI within 3-5 years.
Financing Options for Your Roofing Project
While many of our projects are covered by insurance claims, we understand that financing is sometimes necessary. We offer flexible payment options to make your roofing project affordable, including special financing with approved credit, competitive rates, and terms up to 120 months. Our team can help you explore all available options, including potential energy efficiency rebates and tax credits for qualifying installations.
Protecting Your Home from Storm Damage
Hail Damage
Hailstorms can create bruising, granule loss, and fracturing on asphalt shingles that may not be visible from the ground but can compromise your roof's weather barrier. Even small hail can cause significant damage over time, especially on older roofs.
Wind Damage
High winds can lift and tear shingles, creating entry points for water. Wind damage often affects specific areas like edges and ridges first, creating patterns that our inspectors are trained to identify even when damage isn't obvious.
Water Intrusion
The ultimate consequence of unaddressed storm damage is water infiltration, which can damage insulation, drywall, and structural elements. Early detection and repair of storm damage helps prevent these costly secondary problems.
Our Certified Partnerships
D&D Roofing maintains certifications with the industry's most respected manufacturers, allowing us to offer premium materials with the strongest available warranties. These partnerships ensure our teams receive regular factory training on the latest installation techniques and product innovations, resulting in superior performance and longevity for your roofing system.
Seasonal Roof Maintenance Tips
Regular maintenance is essential to maximizing your roof's lifespan and preventing costly repairs. Follow these seasonal guidelines to keep your roof in optimal condition year-round.
Spring Maintenance
Remove winter debris from gutters and downspouts to prevent water backup. Check for shingles damaged by winter ice and snow, looking for cracks, tears, or missing pieces. Inspect flashing around chimneys and vents for separation that could lead to leaks. Look for signs of mold or algae growth in shaded areas, which can deteriorate roofing materials over time.
- Schedule a professional inspection to identify winter damage
- Check attic for signs of water intrusion or inadequate ventilation
- Clean and inspect skylights for cracks or seal failures
- Test roof drainage by running water through gutters during a dry day
Summer Maintenance
Examine attic ventilation during hot weather to ensure proper temperature regulation. Look for warped or buckled shingles indicating excessive heat buildup or moisture problems. Trim overhanging branches to prevent debris accumulation and limit animal access to your roof surface. Schedule professional inspection after severe storms to identify hail or wind damage promptly.
- Check for curled or blistered shingles in areas with direct sun exposure
- Inspect rubber boots and seals around vent pipes for cracking
- Look for pest infestations, particularly wasps and hornets under eaves
- Assess metal components for signs of rust or corrosion
Fall Maintenance
Clear all leaves and debris from valleys and gutters to prevent water backup and ice dams in winter. Check for loose or damaged shingles before winter arrives, as freezing temperatures can worsen existing problems. Ensure all downspouts are securely attached and direct water away from the foundation. Inspect roof penetrations and seal any gaps before cold weather arrives to prevent heat loss.
- Remove moss and algae growth with appropriate roof-safe treatments
- Check chimney cap and cricket for damage or deterioration
- Ensure attic insulation is properly distributed without blocking soffit vents
- Inspect for animal entry points and seal appropriately before hibernation season
Winter Maintenance
Monitor for ice dam formation along eaves, which can force water beneath shingles. Check for excessive snow load on low-slope sections that could stress the roof structure. Look for icicles, which may indicate poor insulation or ventilation issues in the attic. Keep an eye on interior ceilings for water stains after snow melt, which signals potential leaks requiring attention.
- Use a roof rake to safely remove excess snow buildup (over 12 inches)
- Check attic temperature and humidity levels during cold snaps
- Monitor for condensation on roof sheathing visible from the attic
- Inspect heat cables if installed to ensure proper operation
Remember that safety comes first—consider hiring D&D Roofing professionals for maintenance tasks that require climbing onto your roof, especially during icy or wet conditions. Our preventative maintenance programs can identify small issues before they become costly repairs.
Emergency Roof Response Services
Immediate Response
Our emergency team is available 24/7 to take your call and dispatch help quickly to prevent further damage to your property.
Temporary Protection
Professional tarp installation and emergency repairs contain the damage and protect your home's interior until permanent repairs can be made.
3
Damage Assessment
Once immediate threats are addressed, we conduct a thorough inspection to document all damage for insurance purposes and develop a permanent repair plan.
Complete Restoration
Our team works with your insurance to implement a comprehensive repair solution, restoring your roof to pre-damage condition or better.
Common Questions About Roof Damage & Insurance
How do I know if my roof has storm damage?
Signs of storm damage include missing or damaged shingles, granules in gutters or downspouts, leaks or water stains on ceilings, dented gutters or flashing, and damaged vents or chimney covers. However, many types of storm damage aren't visible from the ground or to untrained observers. Our professional inspectors know exactly what to look for and can identify damage that might otherwise go unnoticed.
Will filing a roof claim raise my insurance rates?
In Colorado, insurance companies cannot raise your individual premium due to a weather-related claim, as these are considered "Act of God" events beyond your control. Rate increases typically occur across entire regions affected by storms, regardless of whether you file a claim. This means you're likely to experience a rate increase whether you file or not, so it makes financial sense to utilize your coverage when legitimate damage exists.
How long do I have to file a claim after storm damage?
Most insurance policies in Colorado have a 1-year statute of limitations for filing storm damage claims, though some may allow up to 2 years. However, delaying a claim can make approval more difficult as damage becomes less clearly attributable to a specific storm event. We recommend having your roof professionally inspected as soon as possible after major storms.
What if my insurance company denies my claim?
If your claim is denied, we can help you appeal the decision. Our documentation process specifically addresses common denial reasons, and we can provide supplemental evidence, request re-inspection, or work with public adjusters when necessary. Our 98% claim approval success rate demonstrates our expertise in navigating the insurance process effectively.
Do I need to pay my deductible?
Yes, you are legally required to pay your deductible. Colorado state law (SB12-038) makes it illegal for contractors to waive, absorb, or pay insurance deductibles on your behalf. Be wary of contractors who offer to "cover" or "absorb" your deductible - this is a red flag indicating potentially fraudulent practices. We can help you understand financing options to manage your deductible payment while maintaining full legal compliance.
Will my insurance cover a full roof replacement or just repairs?
This depends on the extent of the damage and your specific policy. Most insurance companies will authorize a full replacement if the damage is extensive or if repairs would not restore proper function and appearance of the roof. If damage exceeds a certain percentage of the roof (often 30-40%), most insurers opt for complete replacement. We can help determine the full extent of damage and advocate for the appropriate solution with your insurance carrier.
Can I choose my own roofing contractor or do I have to use one selected by my insurance company?
You have the legal right to select any roofing contractor you prefer - your insurance company cannot require you to use a specific contractor. While insurance companies may provide a list of "preferred contractors," these recommendations often benefit the insurer through negotiated rates rather than quality guarantees. We work with all insurance companies and ensure that your roof is restored to proper specifications while maximizing your entitled coverage benefits.
What documentation do I need for my insurance claim?
A successful claim typically requires comprehensive documentation including: detailed roof inspection reports with photographs, specific documentation of all damage found, written estimates for repairs or replacement, copies of your contractor's license and insurance certificates, and documentation of the storm event (date, time, and weather reports). Our team handles this entire documentation process, ensuring your claim package is complete and compelling.
Should I get multiple estimates for my insurance claim?
Unlike typical home improvement projects, multiple estimates aren't necessary for insurance claims. The insurance company will determine the fair market value for repairs based on standardized pricing software. What matters most is having a thorough, accurate damage assessment and working with a contractor experienced in insurance restoration. Our specialized expertise ensures all legitimate damage is documented and included in your claim.
Upgrading to a Class 4 Impact Resistant Roof
Metal Roofing Advantages for Colorado Homes
Snow Shedding Performance
Metal's smooth surface naturally sheds snow, preventing dangerous accumulation and weight loads during Colorado's heavy winter storms. The sleek panels eliminate the valleys where ice dams typically form.
Extreme Weather Durability
Quality metal roofing achieves the highest Class 4 impact resistance rating, resisting damage from hail up to 2 inches in diameter, while also handling high winds up to 140 mph without damage.
UV Resistance
Special coating technology reflects solar radiation and resists fading from Colorado's intense high-altitude sunlight, maintaining appearance while reducing cooling costs during summer months.
Environmental Benefits
Metal roofs typically contain 25-95% recycled content and are 100% recyclable at end-of-life. Their exceptional longevity means fewer replacements and less landfill waste over time.
Our Workmanship Warranty
Complete Peace of Mind
Comprehensive protection for your investment
Installation Excellence
Guaranteed proper techniques and methods
Transferable Coverage
Adds value when selling your property
Long-Term Protection
Up to 50 years on premium systems
Our workmanship warranty covers all installation-related issues separate from manufacturer material warranties. This ensures any problems arising from installation are promptly addressed at no cost to you. With proper installation being just as important as quality materials, our warranty demonstrates our confidence in our craftsmanship and commitment to your complete satisfaction.
Roofing Material Comparison
Different roofing materials offer varying benefits in terms of longevity, aesthetics, performance, and cost. Our experts can help you select the optimal material for your specific needs, considering factors like your home's architecture, local climate conditions, budget constraints, and long-term goals.
TPO Commercial Roofing Systems
Superior Energy Efficiency
TPO (Thermoplastic Polyolefin) commercial roofing systems feature highly reflective white surfaces that significantly reduce cooling costs in Northern Colorado's hot summer months. This ENERGY STAR rated material reflects up to 87% of solar heat, preventing it from transferring into your building.
The energy savings often provide a substantial return on investment, with many business owners reporting cooling cost reductions of 25-30% after installation. These systems also maintain their reflective properties longer than other white membrane materials.
Exceptional Durability & Performance
- Resistant to UV radiation, ozone, and chemical exposure
- Maintains flexibility in extreme temperature fluctuations
- Superior resistance to punctures, tears, and impact damage
- Heat-welded seams create a monolithic, watertight barrier
- Available in various thicknesses (45, 60, and 80 mil) for different performance requirements
- Expected service life of 20-30 years with proper maintenance
The Roof Replacement Process
Initial Consultation & Inspection
We conduct a thorough assessment of your current roof, discuss your needs and preferences, and provide expert recommendations on materials and approaches best suited for your specific situation.
Detailed Proposal & Planning
You'll receive a comprehensive, transparent proposal outlining all aspects of the project, including materials, timeline, and pricing. We'll address any questions and finalize all details before proceeding.
Material Delivery & Preparation
Premium materials are delivered and strategically placed around your property for efficient installation. We implement comprehensive protection measures for your landscaping, windows, and other vulnerable areas.
Professional Installation
Our experienced crews work efficiently to remove the old roofing, inspect and repair the deck if needed, install new underlayment and ice/water shield, then properly install your chosen roofing material according to manufacturer specifications.
Thorough Cleanup & Final Inspection
We conduct meticulous cleanup, including magnetic sweeping for nails, remove all debris, and perform a comprehensive final inspection to ensure every detail meets our rigorous quality standards.
Tile Roofing Expertise
Concrete S Tile
Eagle Tile and other concrete tile options provide the classic Mediterranean look with exceptional durability. Available in a wide range of colors and profiles, these tiles offer excellent insulation value and stand up well to Colorado's freeze-thaw cycles when properly installed.
Traditional Clay Tile
Ludowici and other premium clay tiles deliver unmatched elegance and exceptional longevity, with many installations lasting a century or more. These high-end materials are often featured on historic buildings, universities, and luxury homes, where their distinctive beauty and heritage value justify the investment.
Stone-Coated Steel
Modern systems like DECRA combine the aesthetic appeal of traditional tiles with the lightweight durability of steel. These innovative products offer Class 4 impact resistance, fire safety, and excellent wind performance while weighing just a fraction of traditional tile systems.
Understanding Insurance Claim Deductibles
Percentage-Based Deductibles
Many Colorado policies now use percentage-based deductibles (typically 1-5% of home value) rather than fixed amounts, significantly increasing out-of-pocket costs for homeowners.
Separate Wind/Hail Deductibles
Insurance companies often apply separate, higher deductibles specifically for wind and hail damage, which can be substantially more than your standard deductible.
Deductible Calculation
Your deductible is subtracted from the total claim amount, not from what you pay the contractor. Understanding this distinction is crucial for budgeting your out-of-pocket expenses.
Class 4 Roof Advantage
Upgrading to Class 4 impact resistant materials provides long-term protection against future high deductible expenses by significantly reducing the likelihood of storm damage claims.
Recent Project Gallery
Attic Ventilation & Roof Performance
Temperature Regulation
Proper ventilation reduces extreme temperature fluctuations in your attic, preventing shingle damage from excessive heat and extending your roof's lifespan by up to 25%. In summer, adequate airflow can reduce attic temperatures by up to 50°F.
Ice Dam Prevention
Balanced ventilation helps maintain uniform roof temperatures during winter, preventing the freeze-thaw cycles that create destructive ice dams along your eaves. This protects both your roof system and interior walls from water damage.
Moisture Control
Effective attic ventilation removes humidity that would otherwise condense on rafters and sheathing, preventing mold growth, wood rot, and insulation degradation that can compromise both your roof's integrity and indoor air quality.
What Our Customers Say
Sarah M., Fort Collins
"After a massive hailstorm damaged our roof, Jason and his team made the insurance process completely painless. They handled everything from inspection to meeting with our adjuster, and the new Class 4 roof looks amazing. We're even saving money on our insurance premiums now!"
Michael T., Loveland
"D&D installed a standing seam metal roof on our mountain property, and their attention to detail was impressive. The crew was professional, the worksite was kept clean, and Jason personally inspected the finished product. Five years later, it still looks brand new despite heavy snow and intense sun."
Jennifer L., Windsor
"When our commercial building needed a complete roof replacement, D&D provided clear options and helped us choose the right TPO system for our needs and budget. The installation was completed with minimal disruption to our business, and we've had zero issues since."
The Value of Professional Installation
Proper Techniques
Our factory-trained installers follow manufacturer-specified techniques for each roofing system, including correct nailing patterns, overlaps, and flashing methods that prevent future leaks and maximize wind resistance.
Quality Materials
We never cut corners with substandard materials. From premium underlayments to proper ice and water shield coverage in vulnerable areas, every component meets or exceeds building code requirements for long-term performance.
Attention to Detail
Proper ventilation calculations, custom flashing fabrication, and meticulous waterproofing around penetrations are just a few of the details that distinguish professional installation from cut-rate alternatives.
Warranty Protection
Only professional installation by certified contractors qualifies your roof for manufacturer warranties. DIY or improper installation immediately voids these valuable protections against material defects.
Solar Readiness & Future-Proofing
Planning for Solar Integration
If you're considering solar panels now or in the future, timing your roof replacement properly is critical. Installing solar on an aging roof can lead to costly complications when the roof eventually needs replacement.
Our solar-ready roof installations include enhanced structural support, optimized ventilation, and proper flashing preparations that facilitate future solar panel mounting without compromising the roof's integrity or warranties.
Benefits of Coordinated Planning
- Avoid premature solar system removal and reinstallation costs
- Ensure proper load calculations and support for panel weight
- Maintain roofing warranty validity with approved mounting systems
- Coordinate optimal roof and solar warranties for maximum protection
- Properly address potential leak points before panel installation
- Optimize roof pitch and orientation for solar efficiency where possible
Specialized Historic Roof Preservation
Heritage Material Expertise
Our specialized team has experience with slate, clay tile, copper, and other traditional roofing materials often found on historic buildings throughout Northern Colorado, preserving both functionality and authentic appearance.
Advanced Assessment
Our 4K drone technology enables detailed inspection of complex, steep, or fragile historic roofs without causing damage from foot traffic, providing comprehensive documentation for preservation planning.
Matching Techniques
We employ traditional methods alongside modern materials when appropriate, carefully matching original details while incorporating hidden improvements in waterproofing and insulation where possible.
Preservation Collaboration
We work closely with historical societies, preservation committees, and specialized suppliers to ensure historically accurate and compliant restoration of significant architectural structures.
Hail Damage Identification Guide
Hail damage varies by roofing material and can be subtle yet significant. On asphalt shingles, look for dark spots where granules have been knocked away, exposing the substrate. On metal, dents may be obvious, while clay or concrete tiles may show chips or cracks. Our professional inspectors are trained to identify and document all types of hail damage for insurance purposes.
Proper Roof Ventilation Systems
Balanced Airflow
Equal intake and exhaust ventilation
Ridge Ventilation
Continuous exhaust along the roof peak
Soffit Ventilation
Continuous intake at the roof's lower edge
Proper Calculations
Customized to your roof's specific dimensions
A properly ventilated roof system requires careful calculation of ventilation needs based on your attic's square footage and configuration. Our certified installers determine the optimal combination of ridge vents, soffit vents, and supplemental ventilation to create balanced airflow that protects your roof from temperature extremes and moisture accumulation year-round.
Complete Gutter Protection Systems
Leaf Guards
Our micro-mesh gutter protection systems prevent leaves, pine needles, and debris from entering your gutters while allowing water to flow freely. This eliminates the need for dangerous ladder climbing to clean gutters and prevents clogging that can lead to water damage.
Water Management
Properly sized gutters and downspouts efficiently channel water away from your foundation, preventing erosion, basement leaks, and landscape damage. Our systems handle even the heaviest Colorado rainstorms without overflowing.
Ice Protection
In Colorado's freeze-thaw cycles, proper gutter systems help prevent dangerous ice dam formation. Optional heat trace elements can be integrated for critical areas to ensure continuous water flow during winter conditions.
Seamless Design
Our on-site fabrication creates custom seamless gutters that perfectly fit your home's dimensions. Available in multiple colors and styles to complement your architecture, these systems provide both protection and aesthetic enhancement.
Commercial Roof Maintenance Programs
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Scheduled Inspections
Regular professional evaluations of your roof's condition
Preventative Cleaning
Debris removal and drainage system clearance
Minor Repairs
Addressing small issues before they become major problems
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Documentation
Detailed records of condition and services for warranty compliance
Our commercial maintenance programs extend your roof's lifespan while reducing emergency repair costs. Regular professional attention identifies and addresses minor issues before they develop into major leaks or structural problems, protecting both your building and the valuable assets inside. Many manufacturer warranties require documented maintenance, which our programs satisfy completely.
Understanding Wind Damage Patterns
Wind damage typically follows predictable patterns, with ridges, corners, and edges most vulnerable to uplift forces. Understanding these patterns helps our inspectors locate subtle wind damage that might otherwise go undetected. Northern Colorado's wind events can create significant roof damage even without obvious missing shingles, particularly on older roofs where seal strips have weakened over time.
Roof Ice Dam Prevention
Understanding Ice Dams
Ice dams form when heat escaping from your home melts snow on the upper portions of your roof. This meltwater then refreezes at the colder eave edges, creating a dam that prevents proper drainage and forces water under your shingles.
This trapped water can cause significant interior damage, including ceiling stains, damaged insulation, and even structural issues. In Colorado's freeze-thaw cycles, ice dams represent one of the most common causes of winter roof leaks.
Comprehensive Prevention
- Proper attic insulation to minimize heat transfer to the roof
- Balanced ventilation to maintain uniform roof temperature
- Extended ice and water shield protection at eaves
- Proper gutter sizing and maintenance
- Heat trace systems for problem areas
- Snow removal from roof edges when necessary
The D&D Difference: Clear Communication
Plain Language
We explain complex roofing and insurance concepts in clear, straightforward terms without confusing industry jargon or technical language that leaves you in the dark.
Responsive Contact
Your calls and messages receive prompt attention, and you'll always know who to contact with questions or concerns throughout your project.
Regular Updates
We provide consistent progress updates and timeline information so you're never left wondering about the status of your project or next steps.
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Transparent Documentation
All proposals, contracts, and warranties are clearly written and thoroughly explained, with no hidden charges or surprise fees ever appearing.
Northern Colorado Weather Challenges
Severe Hail
Northern Colorado sits in the heart of "Hail Alley," experiencing some of the most frequent and severe hailstorms in the country. Our region regularly sees damaging hail exceeding 1.5" in diameter, with some storms producing 2.5"+ stones capable of puncturing standard roofing materials.
Snow Load & Ice Dams
Our winters bring heavy snow accumulation that creates significant weight loads on roofing structures. The freeze-thaw cycles common in our climate promote ice dam formation, which can force water under shingles and into homes, causing extensive damage.
UV Intensity
Colorado's high elevation results in approximately 30% more ultraviolet radiation than at sea level. This intense sun exposure accelerates shingle aging through thermal cycling and material degradation, requiring specialized materials and installation techniques.
Low-Slope Roofing Solutions
TPO Membrane
Thermoplastic Polyolefin systems provide excellent UV resistance and energy efficiency through their reflective white surface. Their heat-welded seams create a monolithic, watertight barrier ideal for commercial applications. TPO offers an excellent balance of performance and value with a typical lifespan of 20-30 years.
EPDM Rubber
Ethylene Propylene Diene Monomer delivers exceptional durability and flexibility, particularly in extreme temperature fluctuations. This proven technology provides reliable waterproofing with minimal maintenance requirements and excellent resistance to ozone, UV radiation, and weathering.
Liquid Applied Membranes
Silicone and acrylic coating systems can restore existing flat roofs without costly tear-off. These seamless applications conform to irregular surfaces and penetrations, creating a complete waterproof barrier while extending roof life and improving energy efficiency.
Modified Bitumen
For traditional low-slope applications requiring exceptional durability, modified bitumen systems provide multi-layer protection with superior puncture resistance and tensile strength, well-suited for roofs with moderate foot traffic or mechanical equipment.
Commercial Roofing Project Gallery
Roof Repair vs. Replacement Decision Guide
Choosing the Right Shingle Color
Architectural Harmony
Select colors that complement your home's exterior materials, considering brick, siding, stone, and trim colors. Generally, aim for contrast with siding and harmony with stone or brick elements to create a cohesive appearance.
Climate Considerations
In Colorado's sunny climate, lighter shingles reflect more heat, potentially improving energy efficiency. However, very light colors may show dirt and algae more readily, especially in heavily treed areas with more shade.
Visual Effects
Darker colors make a home appear more grounded and can make a tall house seem lower, while lighter colors can make a home appear larger and more expansive. Consider how different colors affect your home's proportions.
Neighborhood Context
While expressing your personal style is important, consider how your choice fits within your neighborhood's overall aesthetic, especially if you're in an HOA community with specific guidelines or approval requirements.
Roof Maintenance Tips for Homeowners
Regular Inspections
Visually check your roof twice yearly (spring and fall) and after major storms. Look for missing or damaged shingles, rusted flashing, or sagging sections. Binoculars allow safe inspection from the ground, or schedule a professional inspection for a thorough assessment.
Keep Gutters Clean
Remove leaves, twigs, and debris from gutters and downspouts at least twice a year. Clogged gutters can cause water backup under shingles and lead to fascia and soffit damage. Consider installing quality gutter guards to minimize this maintenance task.
Trim Overhanging Branches
Keep tree limbs trimmed back at least 10 feet from your roof. This prevents branch damage during storms, reduces debris accumulation, and limits access for squirrels and other animals that might damage your roof.
Address Issues Promptly
Don't delay repairs, as small problems quickly become expensive ones. A single missing shingle can lead to widespread water damage if not addressed promptly. Contact a professional at the first sign of potential issues.
Insurance Claim Process Timeline
Initial Damage Assessment
Within 24-48 hours of your call, our inspection team thoroughly documents all storm damage with detailed photos, measurements, and professional reports specially designed for insurance approval.
Claim Filing
We help you file the claim immediately after inspection, providing all necessary documentation to your insurance company and establishing clear communication channels with the claims department.
Adjuster Meeting
Typically scheduled 3-10 days after filing, we personally attend this crucial meeting to ensure all damage is properly identified and included in your claim, advocating for your full coverage.
Settlement & Approval
Most insurance companies issue initial payment within 3-5 days after adjuster approval. We review the settlement to ensure all damages are fairly compensated before proceeding with repairs.
Project Completion
Once materials are ordered (typically 1-2 weeks), installation is usually completed within 1-3 days for standard residential projects, followed by final inspection and documentation for insurance completion.
Eco-Friendly Roofing Options
Energy Efficient Solutions
Modern roofing materials can significantly reduce your environmental footprint while providing superior protection. Cool roof technologies with highly reflective surfaces can reduce cooling costs by 15-30% during Colorado's hot summers.
Beyond immediate energy savings, sustainable roofing choices reduce urban heat island effect, decrease carbon emissions, and can qualify for utility rebates or tax incentives, creating both environmental and financial benefits.
Sustainable Options
- Recycled content shingles containing up to 95% post-consumer materials
- ENERGY STAR certified cool roof products with high solar reflectance
- Metal roofing made from recycled content and 100% recyclable at end-of-life
- Solar-ready roof designs for future energy generation
- Roof restoration coatings that avoid landfill waste from tear-offs
- Enhanced insulation systems that dramatically improve energy efficiency
Avoiding Common Roofing Scams
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Verify Legitimate Local Presence
After major storms, out-of-state contractors (often called "storm chasers") may appear with temporary local addresses and phone numbers. Always verify a company has an established local presence with permanent physical address. D&D Roofing has served Northern Colorado for many years from our Fort Collins location.
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Check Licensing and Insurance
Legitimate contractors carry proper licensing, workers' compensation, and liability insurance. Ask for certificates and verify their authenticity. Uninsured contractors may leave you liable for worker injuries or property damage during your project.
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Beware of Upfront Payment Demands
Be suspicious of contractors requiring large upfront payments, especially in cash. While material deposits are sometimes necessary, they should represent a reasonable percentage of the total project and be paid by check or credit card for documentation.
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Get Clear Written Contracts
Professional contractors provide detailed written estimates and contracts specifying materials, timeframes, payment schedules, and warranty information. Avoid verbal agreements or vague documentation that leaves room for misunderstanding.
Understanding Roofing Warranties
Manufacturer Material Warranties
These warranties cover defects in the roofing materials themselves, typically for 25-50 years depending on the product. However, standard manufacturer warranties often prorate coverage over time and may only cover materials, not labor costs for replacement. Premium warranties with non-prorated coverage and labor inclusion are available with certain high-end materials and certified installer programs.
Workmanship Warranties
D&D Roofing provides a comprehensive workmanship warranty that covers installation-related issues separate from material warranties. This ensures any problems arising from installation methods are promptly addressed at no cost to you. The length of coverage depends on the roofing system installed, ranging from 5 years for basic repairs to lifetime coverage for premium systems.
Transferable Coverage
Many of our roofing systems come with warranties that can be transferred to a new owner if you sell your property. This transferability adds significant value to your home and provides peace of mind to potential buyers. The transfer process typically requires simple documentation and sometimes a nominal fee to the manufacturer.
Warranty Maintenance Requirements
Most warranties require reasonable maintenance to remain valid. This typically includes periodic inspections, prompt repair of damaged areas, and keeping records of all maintenance performed. Our optional maintenance programs ensure your warranty remains fully compliant with all manufacturer requirements.
The Complete Roof System Approach
Structural Decking
Foundation that supports all roofing components
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Protective Underlayment
Secondary water barrier beneath primary roofing
Ice & Water Shield
Self-adhering membrane for vulnerable areas
Proper Ventilation
Balanced airflow system for temperature control
Quality Materials
Premium outer layer designed for Colorado conditions
A truly effective roof is much more than just shingles or visible materials. It's an integrated system of components working together to protect your home. When one element fails or is improperly installed, the entire system is compromised. Our comprehensive approach ensures every layer is properly selected and installed for optimal performance in Northern Colorado's challenging climate.
The D&D Roofing Safety Commitment
100%
Safety Compliance
Full adherence to OSHA regulations and industry best practices
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Tolerance for Shortcuts
Uncompromising commitment to proper safety procedures
Weekly
Safety Training
Regular updates and education for all crew members
Daily
Equipment Inspection
Thorough checks of all safety gear before use
Our comprehensive safety program protects both our workers and your property. All team members undergo rigorous safety training and certification, with regular refresher courses and daily safety meetings before each project. We maintain full liability and workers' compensation insurance, ensuring your complete protection from any potential workplace incidents.
Frequently Asked Questions
How long will my roof replacement take?
Most standard residential roof replacements are completed in 1-3 days, depending on size, complexity, and weather conditions. Larger homes, complex designs, or specialty materials may require additional time. Commercial projects typically take longer based on square footage and system type. We provide a specific timeline in your project proposal and keep you updated on progress throughout the installation.
Can you install a new roof over my existing shingles?
While building codes may permit installing over one existing layer in some cases, we generally don't recommend this approach. Installing over existing shingles can mask deck problems, reduce the new roof's lifespan, void manufacturer warranties, and add unnecessary weight to your structure. A clean removal allows us to inspect and repair the decking and install proper ice/water shield and underlayment for maximum protection.
What happens if it rains during my roof installation?
Our experienced crews monitor weather forecasts carefully and plan accordingly. If unexpected rain occurs during installation, we have established protocols to quickly protect exposed areas with tarps and other temporary coverings. We never leave a roof vulnerable to water intrusion overnight and ensure complete protection before leaving the jobsite each day.
Do you offer financing options?
Yes, we offer several financing solutions with competitive rates and terms up to 120 months for qualified customers. This allows you to complete your roofing project immediately while spreading payments over time. For insurance claim projects, we work with your schedule of payments, typically requiring only your deductible portion as your out-of-pocket expense.
Service Areas Throughout Northern Colorado
Fort Collins
Our headquarters location and primary service area, where we've completed hundreds of residential and commercial projects throughout all neighborhoods and surrounding communities.
Loveland
Extensive experience with both newer developments and historic homes throughout Loveland, with particular expertise in storm restoration following recent major hail events in the area.
Windsor & Greeley
Regular service to these growing communities with specialized knowledge of local building requirements and homeowner association guidelines for various neighborhoods.
Longmont & Surrounding Areas
Complete roofing services for Longmont, Berthoud, Johnstown, and other nearby communities, with the same attention to detail and quality that defines all D&D Roofing projects.
Contact D&D Roofing Today
Call Us Directly
Speak with our team at 970-391-2106
Chat Now
Use our website chatbot for immediate assistance
Email Your Request
Send details to Jason@ddroofing.biz
Visit Our Office
2649 E Mulberry St. Suite 57, Fort Collins, CO 80524
Connect With Us on Social Media
Stay updated on our latest projects, industry tips, and special promotions by following D&D Roofing on social media. Find us @DDROOFINGBIZ on all platforms for helpful roofing information, before-and-after transformations, and educational content about storm damage, insurance claims, and maintenance. Our social channels also provide another convenient way to reach our team with questions about your roofing needs.