All of this results in insurance claims, which impact your insurance rates as a resident. “Insurance premiums are based on patterns and trends over a long time,” said Carole Walker, executive director of the Rocky Mountain Insurance Information Association, an industry trade group. “It is a multiyear process.” Some consumers along the Front Range will get double-digit percentage increases as their renewals come up this year and next, Walker said. The Windsor tornado in 2008 was the most costly in state history, at $193.5 million in insured losses. Three hailstorms in 2009 generated $1.4 billion in damages, making that year the costliest in Colorado ever for insurers. Most home insurance companies in Colorado have gone to a mandatory $2500 deductible on wind and hail for homes and some as high as $5,000.  Many have also switched to a 1% wind hail deductible.   In the past, homeowners would file a roof claim that could likely last another few years but they hire a contractor that files the claim and gets the roof replaced while waiving the deductible.  This will be much harder now. Reasons for increased wind hail deductibles: