Seasonal

Fall Roof Prep for Fort Collins: What to Do Before the Snow

By Fort Collins Roof Repair · September 14, 2026 · 5 min read

Hail season in Fort Collins runs May through August, and by the middle of September it's over. What's left is a roof that has been through three or four months of afternoon storms, a summer of the strongest sun of the year, and is about to get a chinook or two and then the first wet snow, usually sometime in October. This is the window to look it over. Here's the homeowner's version — the things you can check and do yourself before you decide whether a roofer needs to come.

The checklist

1. Walk the yard first

Before you look up, look down. Shingle pieces, ridge cap corners, or a rubber pipe boot collar in the lawn or the flower beds are the roof telling you something came loose over the summer. A lot of granules at the base of the downspouts means either an old roof shedding, or a hailstorm you didn't think much of at the time. Note what you find.

2. Clean the gutters, and look at them while you do

Fort Collins has more cottonwoods than almost any city on the Front Range — along the Poudre, in every older neighborhood, in the drainage ways through the newer subdivisions. They drop leaves in a hurry in October, and the leaves pack valleys and gutters into a wet mat that holds meltwater against the shingles all winter. Clean the gutters in late September and again after the cottonwoods and silver maples finish dropping.

While you're up there: fingertip-sized dents in the gutter and downspouts are hail evidence. If they're new since spring, the roof took the same hail, and it's worth a walked inspection before the season's claims window closes.

3. Look at the roof from the ground with binoculars

You're looking for:

• Lifted or creased shingles, usually on the west and northwest slopes where the summer gust fronts hit
• Cracked or missing ridge caps
• Pipe boots with cracked or curled collars — look for a dark ring at the base of each vent pipe
• Bare dark patches on the south slope
• Anything that has changed since you looked in spring

Stay off the roof. A ladder to the gutter line is fine; walking a slope isn't something to do for a look.

4. Check the attic on a warm afternoon

Go up before the insulation gets cold and damp. Look for water stains on the underside of the decking around pipes and in valleys, daylight through the deck, and whether the soffit vents are buried in blown-in insulation. A warm attic in winter is where every ice dam starts, and clearing the soffits now is a cheap fix. The attic insulation post goes into this properly.

5. Trim the branches

Any limb within six feet of the roof should go before the first heavy snow loads it. Wet October snow on a cottonwood or a silver maple still in leaf is how limbs end up through decking every year. It's also the kind of damage that leads to an emergency tarp at $300–$700 on a Sunday night.

Decide what needs a roofer

Some things on this list are a homeowner job. Some aren't.

Anything in the right-hand column is a roof repair visit, and the small ones are much cheaper in October than in February after a snow has found them. The post on which repairs can wait until spring sorts them by urgency if you're trying to budget.

Get the hail inspection done now if you haven't

If there was hail on your street this summer and you never had the roof walked, do it before the end of October. Bruises weather over the winter and get harder to attribute to a specific storm, many Colorado policies limit hail claims to a year, and the adjuster's schedule is easier in fall than it was in July. A hail inspection is free, and if the roof is fine, you have photos on file.

Know your winter numbers

If the roof is past 15 years, this is the fall to read your policy renewal closely. Look for a separate wind-and-hail deductible, any change to actual cash value on the roof, and whether the carrier wants an inspection. Better to learn it in October than after a March snow leak.

The short version

Clean the gutters twice, clear the soffits, trim the branches, look at the roof with binoculars, and fix the boots and caps before the snow. Most Fort Collins roofs come through winter fine when the small things are handled in the fall. The ones that don't are the ones with a cracked boot nobody noticed until the meltwater ran down the bathroom wall in March.