Your Insurance Agent Isn't Telling You This
(But We Will).

No. This is explicitly not insurance. The program has no cash value, doesn't pay claims, and doesn't replace your homeowners policy. It's a maintenance + prepayment service: funds you've paid in apply only toward your hail or wind deductible after your insurance carrier approves the claim and Red Hawk performs the roof replacement. You still need active RCV homeowners insurance to enroll.

Program transferability depends on the specifics of your situation — whether you're selling, buying a new home in our Colorado service area, or relocating out of state. Rather than give a generic answer that might not fit your case, please call Red Hawk at (720) 771-8921 and we'll walk through the options for your move.

If you pay annually, you're eligible immediately. The full annual payment counts toward your deductible right away — so a storm the next day means your entire annual amount is already credited. If your remaining deductible balance isn't fully covered yet, don't pay it upfront: just stay enrolled and your future payments chip away at the balance over time with zero interest and zero fees, while you continue receiving all 8 maintenance services every year.

Cancellation terms vary depending on whether you're enrolled monthly or annually, and whether you've already had a claim credited against the program. Because the program is most valuable as a full annual cycle (eligibility activates immediately on annual payment), please call Red Hawk at (720) 771-8921 to walk through cancellation specifics for your enrollment.

Yes. Funds apply to either hail or wind damage as determined by your insurance claim adjuster — not just hail. Colorado's Front Range gets significant wind events on top of hail, so wind coverage is built into the program.

You still receive every one of the 8 professional maintenance services that year: a documented roof inspection with photos, boot and vent inspection, exposed nail inspection and sealing, animal damage evaluation, debris removal, shingle wear and tear assessment, skylight cleaning and seal inspection, and one professional gutter cleaning. These services keep your roof healthy, protect your manufacturer warranty, and prevent insurers from denying a future claim by calling damage 'pre-existing.' Your deductible prepayment also stays banked — it doesn't expire if a storm doesn't show up.

Yes. The program is tied to your home and to Red Hawk performing the roof replacement — not to a specific insurance carrier. If you switch carriers, the credit you've built up stays with you, as long as your new policy is current RCV homeowners insurance and the claim is approved.

Your insurance agent's job is to sell and service insurance policies — not to coach you on raising your deductible to lower premiums or pair that strategy with a third-party prepayment program. The program lives outside their wheelhouse, and most agents have never seen it. That's why we built the side-by-side math example on this page — so you can run the numbers yourself and bring them back to your agent.

All three tiers include the same 8 annual maintenance services. The difference is the deductible target: the $5,000 tier is sized for homeowners with a $5,000 hail/wind deductible, the $7,500 tier for a $7,500 deductible, and the $10,000 tier (most popular) for a $10,000 deductible. You pick the tier that matches the deductible you've raised to with your insurance carrier — so when a claim hits, your prepayment fully covers the gap.