Colorado: A Love/Hail Relationship

If you live in Colorado, you’re most likely familiar with the bi-polar nature of our weather, specifically storms and the subsequent hail and hail damage.

What The Hail?

Even though golf ball sized hail is not specific to Colorado, the process for it to get that big has a definite relation to the scope of our storms.

Hail begins its life as a super cooled drop of water, which is swirled about in the updraft of a storm. As it rotates through the clouds it gathers water, dust particles and whatever else can get sucked up in a thunderstorm (reportedly some states have seen hailstones with fish or frogs encased within). These elements freeze due to the water’s supercooled temperature and eventually form into a hail stone.

Now depending on how powerful the wind is these stones could go on rotating for quite a while gathering mass. Eventually they become too heavy and drop from the atmosphere to either create a nice, shallow dent on your brand new car, or damage the roof of your house.

We Can All Blame Colorado For This Hail Malarkey

Colorado happens to be one of the most hail prone states in the U.S. and though the majority of the hail occurs in the Rockies, we still feel the impact (literally!) here in the populated counties.

The strong winds from our local thunderstorms also add an extra edge to the hail, namely by increasing damage potential from added momentum.

The Physical and the Monetary

Not only does hail cause a lot of structural damage in Colorado, it is estimated that in 2009 hail was responsible for $767.6 million in monetary damages.

Oh, and here’s some more lovely statistics (Source: http://www.rmiia.org/catastrophes_and_statistics/Hail.asp):

DateLocationCost When Occurred
(Millions)
2013 Dollars
(Millions)
*
July 20, 2009Denver Metro$767.6$833.5
July 11, 1990Denver Metro$625.0$1.1 Billion
June 6-15, 2009Denver Metro$353.3$381.2
June 6-7, 2012CO Front Range$321.1$325.8
June 13-14, 1984Denver Metro$276.7$620.3
July 29, 2009Pueblo$232.8$252.7
October 1, 1994Denver Metro$225.0$353.6
May 22, 2008Windsor$193.5$209.3
July 13, 2011CO Front Range$164.8$170.6
June 8-9, 2004Denver Metro$146.5$180.6
August 11, 1997Denver Metro$128.0$185.7
May 22, 1996Denver Metro$122.0$181.1

*2013 estimated cost calculations based on the Consumer Price Index.

Roofing Company Up In Arms Over Unpaid Work

A roofing company in Omaha, NE has taken upon itself to sue a number of insurance companies that supposedly “short-changed” them on a number of roof repairs they had done in the aftermath of a rather destructive hail storm.

$6 million Owed?..Scratch That, OVER $6 Million

Hail on Shed Valley Boys Roofing is claiming over $6 million is owed to them for the repairs they performed on 303 homes in the Omaha area. The lawsuit spans seven insurance companies including:  Farm Bureau, Auto-Owners, American Family, Travelers, USAA, State Farm and Farmers Insurance. Unfortunately, the company has done itself a disservice, as WOWT reports that, “…one house is listed “not paid for a skylight.” Fact Finders looked all around the house and there’s no skylight and the owner says he’s never had one.” (http://www.wowt.com/home/headlines/Roofer-Sues-Insurance-Companies-262635121.html).

There’s a possibility that as this case runs, more and more errors could be discovered or discounted, but as Valley Boys attorney, Matt Satthoff, says,”…it will all be determined in discovery.”

Second Party Rebut

While Valley Boys has made themselves fairly vocal on this outrage, American Family Insurance bided their time and has since come out with the following statement:

“American Family has worked with our Omaha-area customers and roofing contractors to resolve thousands of claims from the April, 2013 hail storm. When insurance companies and contractors work together in the customers’ best interests, the repairs can get started promptly and homeowners quickly return to their normal lives. When the opposite happens, and roofing contractors choose to ignore standard practices, the process grinds to a halt and homeowners are unfairly delayed getting their homes repaired.” So it looks as if these two might be in a for a bumyp ride, but we shall see.

Welcome to Our New Website!

We moved (both website and location) and we forgot to tell you, but stick around and check out our fancy new digs.

If you’re not familiar with CIBS (Contractors Insurance Billing Service), we provide an important service to the people who hate having to deal with insurance companies. We lift the burden and maximize your profits, and best of all we keep you apprised of every detail so you don’t need to worry.

We’re now located at the corner of Colfax and Estes (look for the big white sign).