IICRC-certified water damage pros across all of Colorado — serving 14 cities and 0 counties. Average Colorado claim: $8K. 145,000+ claims filed annually statewide.
14
Cities Covered
$8K
Avg Claim Value
145K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
Colorado has the most expensive hail market in the US — the Front Range receives 6–10 significant hail events per year; a single baseball-sized hail event can cause $500M+ in roofing damage across metro Denver, creating cascading water intrusion claims for years
Notable Events
Big Thompson Canyon flood 1976 (144 deaths, worst CO flood)
2013 Front Range floods ($4B, multiple dam failures)
Annual hail events costing $1.5–2.5B in roofing losses across Front Range
Insurance Info — Colorado
Colorado Division of Insurance requires insurers to respond within 10 days and pay within 60 days of satisfactory proof. Colorado has the highest hail damage cost in the US ($2B+ annually) — insurers have raised deductibles and are now excluding or capping cosmetic hail damage. Document every hail event with weather service records and aerial photography.
Licensing: Colorado Department of Regulatory Agencies (DORA); general contractors require local licensing in most CO jurisdictions; no statewide mold contractor license but EPA guidelines required
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Denver
Denver County
Colorado Springs
El Paso County
Aurora
Arapahoe County
Fort Collins
Larimer County
Lakewood
Jefferson County
Thornton
Adams County
Arvada
Jefferson County
Westminster
Adams County
Pueblo
Pueblo County
Boulder
Boulder County
Metro Area 20
Metro Area 20 County County
Metro Area 71
Metro Area 71 County County
Metro Area 122
Metro Area 122 County County
Metro Area 173
Metro Area 173 County County
Official FEMA Records
Local Pricing
Colorado averages $8K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$8,000
Colorado statewide avg
Annual claims filed
145K+
In Colorado per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 43 min response across Colorado.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-06-22
HearthDry is an independent educational resource for Colorado homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Colorado Department of Regulatory Agencies (DORA); general contractors require local licensing in most CO jurisdictions; no statewide mold contractor license but EPA guidelines required.
