Local storm history
Why Severance roofs take a beating
Colorado's eastern plains and the Front Range urban corridor form the core of North America's "Hail Alley," producing more large-hail days than almost anywhere on the continent and some of the costliest hail catastrophes in U.S. history. West of the Continental Divide the pattern changes — less frequent hail, more wind, snow load, and monsoon-driven downpours — so where you sit in the state matters. Hail and damaging wind account for most Colorado roof claims, concentrated in the late-spring through summer convective season. How much of that pattern applies in Severance is a question of position within the state, and then of which streets a single cell happened to cross — which is why a free inspection, not a regional average, is what settles it.
Colorado does not have a single storm profile, so the useful question is which part of it you are in. Weld County is the county the eastern plains is anchored on here, and open-country supercells bring both large hail and damaging straight-line wind, with fewer crews within easy reach when a system covers several counties at once. Colorado's other storm regimes — the Front Range urban corridor and the Western Slope — describe different parts of the state, so a hail or wind season quoted for those areas is not a statement about this one.
Severance is the 8th-largest of 14 places in Weld County — roughly 3% of the county's residents, so damage here can be overshadowed by louder claim volume from the county's bigger communities — worth knowing when you are trying to get an inspector scheduled in the same week as everyone else.
Statewide, Severance ranks 50th by population of the 111 places Colorado records — larger than roughly 56% of them. That is the honest measure of how many local contractors are realistically within reach, and of how quickly the queue fills when a system covers several counties at once.
Weld County has grown about 8.4% since 2020 (roughly 27,984 more residents), so a large share of the housing stock is recent — newer roofs fail differently, and fast-growing counties tend to have contractor capacity already committed to new construction when a storm lands.
Weld County accounts for 6.1% of Colorado's residents, 8th of the state's 64 counties by population. Counties outside the largest few tend to be worked by adjusters after the metros are cleared, which is a practical argument for reporting the loss the same week rather than waiting to see what the neighbours do.
Weld County spreads about 359,442 residents across 14 recorded places, so Severance at roughly 10,820 is well below the 25,674 average for a place in this county. A hailstorm or wind event does not respect that distribution — when one system covers the county, every one of those places files in the same week, against the same pool of licensed crews.
At about 10,820 residents, Severance is unlikely to support a full-time roofing and restoration crew of its own. Greeley, the largest community in Weld County, is the realistic base for the contractors who serve here — which means travel time is part of the response, and it is the reason booking an inspection early rather than after the first rain matters more in a place this size than in the metro.
The largest county bordering Weld County is Adams County with about 533,365 residents — a bigger market than this one, and the direction most surge crews come from when local capacity runs out.
The places in Weld County closest to Severance in size — Fort Lupton (~9,447), Milliken (~9,084), Lochbuie (~8,336), and Dacono (~6,595) — sit in the same storm track and draw on the same contractors, so if roofs are being replaced there it is worth having Severance checked before the queue lengthens.
Storm climate summarized from public NOAA/NWS and insurance-industry reporting. This is general regional context, not a guarantee your specific property was affected — a free inspection confirms your damage.
What we handle in Severance
Storm damage services in Severance
Hail damage roof repair
Hail damage roof repair explained: how to spot bruised shingles from the ground, what insurance covers, real cost ranges, and how to reach an independent local pro.
Siding & gutter damage repair
Dented gutters and cracked siding after hail or wind? What counts as damage, how matching rules affect your claim, real cost ranges, and independent local pros.
Wind damage roof repair
Missing or creased shingles after a windstorm? What wind damage looks like, what insurance covers, real repair cost ranges, and how to reach an independent local roofer.
What the work is worth
What a Severance storm claim usually involves
Before an adjuster arrives in Severance, it helps to know roughly what the work is worth. These ranges come from the same model that powers our damage quiz — wind damage and siding & gutter damage — and they describe the insured scope, not your bill.
Wind damage: $500–$18,000 is the range our own model uses for the insured scope, and it is the number an adjuster is arguing about rather than anything you pay.
Windstorm is a covered peril on standard policies. Missing, creased, or lifted shingles and torn flashing are typically covered as repair or, when damage is widespread, full replacement.
Inspection within days; spot repairs often within a week, full replacements about 2–5 weeks after claim approval.
- Replace missing/creased shingles and re-seal lifted tabs
- Re-secure or replace flashing, ridge caps, and vents
- Full replacement when wind damage is widespread
- Documentation of directional wind pattern for the adjuster
Siding & gutter damage in Severance — our estimate model puts the insured project value at $1,000–$20,000 nationally.
Hail and wind damage to siding and gutters is covered. Note that state 'matching' rules vary, some require the carrier to reasonably match undamaged adjacent siding, which affects how much of a wall is replaced.
Inspection within days; gutter work in about a week, siding replacement roughly 1–3 weeks after approval.
- Gutter and downspout repair or replacement ($1,000–$3,500 typical)
- Siding repair or replacement ($5,000–$20,000 for larger areas)
- Matching assessment per state matching rules
- Documentation of hail/wind pattern across elevations
On a covered claim your real out-of-pocket is usually just the deductible — commonly $500–$2,500 flat, or a separate wind/hail deductible of 1%–5% of your dwelling coverage. Insurance funds the rest of the approved scope, which is why a free inspection that documents the damage properly is worth far more than shopping the repair price.
Ranges are wide 2026 national planning benchmarks from our own estimate model, not a quote for your property and not an offer. A spot repair and a full replacement are genuinely different jobs; a free inspection is what turns a range into a scope.
Before the adjuster arrives
What to do first in Severance
Documentation is the whole game on a Severance storm claim. Before any repair happens, get ground-level photos of all four elevations, interior shots of ceilings and around every penetration, and dated receipts for any emergency work. Note the storm date. None of this requires you to climb anything — the roof itself is what the free inspection is for — but it is the difference between an adjuster agreeing a full scope and an adjuster writing a partial repair.
After a significant event, the knock on the door in Severance is often not a local company. Ask for the Colorado licence and current insurance, ask where the office is, insist on an itemised written scope before signing anything, and never sign over your claim rights to get a roof looked at. Everything we send you goes to a single independent local contractor, and your details are not resold.
Don't miss your deadline
Colorado storm claim rules
Reporting: Colorado: report promptly. Colorado law generally limits an insurer's ability to deny a claim for late notice unless the delay actually prejudiced the insurer, but prompt reporting still protects you.
Deadline: General guidance: Colorado's contract statute of limitations is commonly 3 years, and Colorado has strengthened homeowner protections on claim handling, but your policy's suit-limitation clause still governs the practical deadline. Verify your specific terms.
Deductibles: Front Range hail policies often carry a separate wind/hail percentage deductible (commonly 1%–5% of dwelling coverage).
General information, not legal advice — verify with Colorado Division of Insurance (doi.colorado.gov). See the Weld County hub and Colorado claim guidance.
Get a free Severance storm damage inspection
Six quick questions and an independent local pro calls to inspect for free and help document your claim. Matched to one pro — never resold.
Severance storm damage FAQ
Was my Severance neighborhood in the storm's path?
Hail and wind are highly localized in Severance — damage is often invisible from the ground. The only reliable way to know is a free professional inspection. If neighbors in Weld County are getting roofs replaced, it's worth checking yours before your Colorado claim deadline.
How much does storm damage repair cost in Severance?
On a covered claim the honest answer is your deductible — commonly $500–$2,500 flat, or 1%–5% of dwelling coverage on a separate wind/hail deductible. The larger figures you see quoted are the insured project value, which is what the carrier funds and what an adjuster negotiates. Our own estimate model puts that value in the ranges shown above for the scenarios Severance homeowners most often deal with.
How quickly can someone inspect my roof in Severance?
If water is coming in now, call — emergency tarping and mitigation in Severance run 24/7 and are usually dispatched same day. For a standard post-storm inspection, expect a day or two in normal conditions and longer in the week after a widespread Colorado event, when every place in Weld County is calling at once. Reporting the loss early is what puts you at the front of that queue.
How long do I have to file a storm damage claim in Colorado?
General guidance: Colorado's contract statute of limitations is commonly 3 years, and Colorado has strengthened homeowner protections on claim handling, but your policy's suit-limitation clause still governs the practical deadline. Verify your specific terms. Colorado: report promptly. Colorado law generally limits an insurer's ability to deny a claim for late notice unless the delay actually prejudiced the insurer, but prompt reporting still protects you. Verify your specific deadline with Colorado Division of Insurance (doi.colorado.gov).
Have an active leak right now? Call (561) 220-0117 for 24/7 emergency response.
Other Weld County cities we serve
See every city and the county claim context on the Weld County storm damage hub.
Talk to a vetted Severance pro today
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