Frozen and burst pipes
Hard freezes are a regular part of winter. Pipes in exterior walls, crawl spaces and garages, and outdoor hose bibs left connected, are the usual failures.
Colorado · 6 cities
Water damage restoration in Colorado
On the Colorado Front Range, frozen pipes and finished basements drive most water damage, with hail-damaged roofs and summer cloudbursts adding leaks from above.
6Colorado cities covered
28ZIP codes
367,139homes in those ZIP codes
1regions with their own risks
Water damage and insurance in Colorado
Colorado homeowners policies usually cover sudden pipe bursts and appliance failures but exclude flooding. Sewer and sump pump backup is often excluded unless you add a water backup endorsement, which matters for homes with finished basements.
Flood insurance through the National Flood Insurance Program usually has a 30-day waiting period before coverage starts, so it has to be in place before a storm, not after. See our insurance claims guide for how to document a loss.
Official help: Colorado Division of Insurance.
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The Colorado Front Range
Front Range homes usually have the main shutoff in the basement or crawl space where the line comes through the foundation wall, often near the water heater.
Hail and sudden downpours
The Front Range is one of the most hail-prone areas in the country. Damaged roofs and skylights leak into attics, and summer cloudbursts overwhelm window wells and basement drains.
Finished basements
Many homes have finished basements. Water from a failed sump pump, a window well or a water heater soaks carpet, pad and drywall that sit below grade and dry slowly.
Cities covered
Water damage in Colorado: common questions
Does Colorado homeowners insurance cover flood damage?
No. Standard homeowners policies exclude flooding from outside water. Flood coverage comes from a separate policy through the NFIP or a private flood insurer.
What causes the most water damage in Colorado homes?
On the Colorado Front Range, frozen pipes and finished basements drive most water damage, with hail-damaged roofs and summer cloudbursts adding leaks from above.
Do you cover my city in Colorado?
We currently connect callers in 6 Colorado cities: Boulder, Broomfield, Castle Rock, Golden, Littleton, Longmont. Each city page lists the ZIP codes covered.
Water damage somewhere in Colorado?
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