Hail damage, fence repair, deck replacement — should you file a homeowners insurance claim or pay out of pocket? This calculator factors in your deductible, likely premium surcharges, and claims history to give you the honest answer.
Enter your numbers below. This is a decision-support tool — not financial advice. When in doubt, consult your insurance agent.
Colorado averages over $1 billion in annual hail damage and sits in "Hail Alley." Colorado Springs typically sees 3–4 significant hailstorms per season (mid-April through mid-September). Many homeowners have paid hail-related surcharges for years after filing claims that were barely above their deductible.
For smaller repairs — a section of fence, a few damaged boards, minor siding issues — paying out of pocket is often the smarter long-term financial decision. The calculator above will help you run the actual numbers.