On February 11, 2026, the Colorado Division of Insurance published premium data it had requested from 20 homeowners insurance carriers representing 80 percent of the market, covering 11 counties. Hail accounts for 26 to 54 percent of the average premium depending on the county, and along the Front Range and into the Eastern Plains, approximately half of what homeowners pay.
Now the roofers. The Census Bureau's County Business Patterns count 920 roofing contractor locations with paid employees in Colorado in 2023. 687 have fewer than five employees. About 60 have twenty or more.
- Share of the homeowner premium attributable to hail, Front Range: about 50 percent (DOI, 11 counties)
- Roofing contractor locations with employees in Colorado: 920 (Census, 2023)
- With fewer than five employees: 687
- With twenty or more: about 60
Picture the Monday after a hailstorm. Forty homeowners call. The crew is on roofs. The line goes to voicemail. State Farm's own advice to homeowners after a hailstorm is to verify a contractor's license and reputation before signing, which means some of those forty will call the next name on the list and check them instead. That scene is a picture, not a statistic. The two numbers behind it are real.
Before the next storm, answer one question: if forty calls come in on Monday morning, who picks up the fortieth?
What ProxMedia does about it: an AI receptionist for roofing companies that answers all forty, books inspections in the order they came in, and routes active leaks under your rule. The hail-day note shows how concentrated that week is.
Sources: Colorado Division of Insurance (Department of Regulatory Agencies) bulletin, February 11, 2026; US Census Bureau, County Business Patterns 2023, Colorado, NAICS 238160; State Farm newsroom, April 21, 2026.