The short version

The building
Roof, windows, siding and structure are usually the owner's responsibility and the owner's insurance
Your belongings
Usually covered only by your own renters insurance, if you have it
Your first job
Tell the landlord or manager in writing, right away, with photos
If the unit is unlivable
Renters policies often include additional living expenses; check yours

Typical division of responsibility

Your lease and Colorado law control; this is the common pattern.

Landlord or owner

  • Arranging roof tarping, board-up and permanent repairs
  • Drying and repairing walls, ceilings and built-in flooring
  • Filing the claim on the building with their insurer
  • Keeping the unit habitable, including heat and weather protection
  • Communicating about access for contractors

Tenant

  • Reporting damage promptly and in writing
  • Taking reasonable steps to limit damage, like moving belongings and setting out buckets
  • Filing a renters insurance claim for personal property
  • Allowing reasonable access for repairs
  • Keeping receipts for hotel stays or replacement items

What to do after the storm passes

  1. Make sure everyone is safe

    Stay away from broken glass, downed wires and any sagging ceiling. Call 911 if there is immediate danger.

  2. Photograph damage and your belongings

    Capture the source, like a broken window, and every damaged item before you move or discard it.

  3. Notify the landlord or property manager in writing

    Text or email creates a record with a timestamp. Include photos and ask when temporary repairs will happen.

  4. Protect what you can

    Move furniture and electronics away from leaks, put towels down, and keep doors closed against weather.

  5. Call your renters insurer

    Ask about personal property coverage and whether temporary housing is included if you cannot stay.

  6. Follow up if nothing happens

    If a roof opening or broken window stays unaddressed, send a second written notice. A tenant rights resource or attorney can explain options under Colorado's habitability rules.

Questions to ask your landlord or manager

  1. Who is coming to tarp or board up, and when?
  2. Will I need to move out during repairs, and for how long?
  3. Will rent be adjusted for any time the unit is not usable?
  4. Who should I let into the unit, and how will I be notified?
  5. Has anyone checked for wet insulation or drywall that could grow mold?

Common questions

I am on military orders and about to move. What should I do?

Report the damage in writing, photograph the unit thoroughly, and keep copies. Ask the landlord to note the storm damage at move-out so it is not charged against your deposit.

General information for Colorado Springs, not a quote or professional advice. In an emergency, call 911.