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Downtown Colorado Springs with the Front Range behind it

Colorado Reserve Studies

We match Colorado HOA and condo boards with reserve study firms that know hail, freeze-thaw and the CCIOA policy rules.

Your reserve study policy, in one sentence

Colorado asks every HOA board for a written reserve study policy. Pick three words and copy a draft.

What C.R.S. 38-33.3-209.5 requires

Our association will have a reserve study every , with a site visit , and fund reserves toward .

Tap an underlined phrase to change it.

A starting point, not legal advice: have the association's attorney review it.

Where Colorado weather shortens the clock

Each bar is a typical national life; the hatched end shows where Colorado pulls it short.

  1. Asphalt shingle roofsHail
  2. EPDM flat roofsHail and UV
  3. Asphalt pavingFreeze-thaw
  4. Wood decksUV at altitude
  5. Exterior paintUV at altitude
National typical lifePulled short in ColoradoYears: InterNACHI life expectancy chart. Hail: RMIIA. Freeze dates: National Weather Service. UV: World Health Organization.

More on hail, freeze-thaw and altitude

After the hail

Tell the preparer about an insurance replacement, or the budget keeps saving for roofs that are already new.

  1. Hail

    Photograph roofs, gutters and vents while damage is fresh.

  2. Claim

    Keep the adjuster's scope and the settlement letter.

  3. New roofs

    New asphalt shingles restart a 20 to 30 year life.

  4. Update the study

    Send the preparer dates, products and invoices.

  5. Rebudget

    Contributions can fall; refill any deductible paid from reserves.

What to change in the study after a hail claim

What a Colorado reserve study costs

The fee follows the component list, not the head count. Mountain jobs may add travel time.

Fees by study level

CommunityFull study, typical fee
Under 50 homes$1,500 to $5,000
50 to 150 homes$2,000 to $8,000
150 to 300 homes$5,000 to $20,000
Over 300 homesFrom $10,000
Mid- or high-rise condominium$7,000 to $15,000+

Typical ranges from published fee guides. A guide, not a quote.

Get a quote

Three short steps: the ZIP code of the community, how to reach you, then a few taps about the association.

Colorado Reserve Studies introduces; it does not prepare studies. One firm active near your community gets picked, you learn its name, and the request travels only after your yes.

Step 1 of 3

Which part of Colorado?
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