Fall is almost here, and with the change of seasons comes storms. In Minnesota we typically get major storms in the spring and again in the fall. This year has been a stormy year, and in between hail storms, we have seen major wind storms as well. If you have been in one of the major storm paths, this would be the time to schedule an inspection. If there is snow on your roof, the insurance adjusters will not come out until spring. So if you suspect damage, call Integrity Exteriors for a FREE inspection by our local insurance storm specialists.
In the last week we have gotten large hail in the Big Lake/Elk River area, and would love to serve you in any way that we can. Call us today at 763-753-2244 and we will schedule an appointment.
We now have a representative up in Baxter, MN, so we welcome Jeremy Leonard to our team! He is an experienced professional that has been working with storm claims since 2006 and would be happy to help you with your claim anywhere in the Brainerd/Nisswa area. Our number for Brainerd is 218-270-9944.
Another word about the approaching winter… Make sure that you have adequate insulation and venting for your roof, to prevent possible ice dams. If you would like someone to look at that, we do provide spray foam insulation and can give you a quote. More on that later…
Now that you have made the decision to replace your roof, there are some things that you have to decide on like the materials that you will use and the color selection. The most popular materials are asphalt shingles. You don’t want your home to stick out like a sore thumb, and you do want it to blend into your environment, making it attractive and adding to the resell value of your home.
One of the popular shingles that homeowners choose are Timberline HD shingles by GAF, and some of their colors are:
One thing that might be helpful is an online simulator, so that you can visually see what the colors and styles might look like together. Here are a few virtual home remodeling links. These links will open in a new window.
On our last post we went through some of the things to watch for when doing a retail bid. On this post we will go through the insurance process if you have storm damage. The insurance process might be overwhelming to those home owners who have never been through it before. But if you have the right people working with you then it should help alleviate some of that.
Not all of the storms will be like the one in the video on the left, but I thought it would be entertaining to see this one… However, if you get large hail it will damage your roof, siding and other parts of the exterior of your home.
Say you had a major storm with high winds, hail or other damaging events. The first thing that you should do is have a professional inspect the property. They should look at the roof, siding, windows and wraps. The insurance company will inspect the home from top to bottom, and that is what your inspection should be from a licensed contractor. If the inspector finds recoverable damage to the house exterior, they will have you start a claim with your insurance company. They can help you call the insurance company and make sure that you tell the insurance company that you want the contractor to be there when the adjuster comes out. Find out when the adjuster is going to be there, and notify the contractor of the date and time.
When the insurance adjuster comes to your home, they will start the inspection, and the contractor will point out some of the damage. When the inspection is complete, the insurance company will either approve the claim or deny it. If the claim is denied, and you and the contractor disagree with his findings, you can ask for a second adjuster, and ask for a different adjuster than the first one. Many times if a claim is denied the first time around, it will be approved on the second adjuster’s findings.
After the claim has been approved, two things will happen. You will receive some paperwork from the insurance company called a breakdown sheet, which will list exactly what they are paying for, what your insurance deductible is, what is the Actual Cash Value (ACV) and Replacement Cost Value (RCV) on the claim, and your first check. The insurance payments are broken down into several payments. The first check you get up front to get the job started, and that check most generally goes to the contractor. The final check is paid after the job is completed and the contractor gives the insurance company the final bill and requests that the depreciation amount be released, along with additional supplements that have been submitted to insurance. You are still responsible for your deductible, and by law no contractor can cover that for you.
After the first check is issued and given to the contractor, then you can pick out your materials for shingles, siding, fascia, etc. The permits for the work are obtained by the contractor and posted on your door. The permit must remain posted until the work is done and the final inspection by the city is completed. The materials are ordered, the job is scheduled and the work is done. The contractor will then request the depreciation money be released from the insurance company. Then you settle the final bill and enjoy your home!
We have had a major hail event in Minnesota last week, and we would love to give you a free inspection of your property. Some of the cities affected by the storm were Otsego, Elk River, Rogers, Maple Grove, Plymouth, Prior Lake, Eden Prairie, Rush City, North Branch, Wyoming, Forest Lake, Scandia, Hugo, Ham Lake, Lino Lakes, Anoka, Blaine, Fridley, Columbia Heights, Arden Hills, Brooklyn Center, St. Paul, Chanhassen, Shakopee and the surrounding areas.
Some of the reports were of tennis ball sized hail, which can do major damage. We will do the inspection and meet with your insurance adjuster and help you through the process to restore your home.
When storms come through and are accompanied by hail, each time hail hits your roof, granules are eroded. Eventually, if the damage is not repaired, you will have bigger issues like leaking and mold. That is why insurance companies pay to replace your roof and siding. However, you need some one to act on your behalf with the insurance companies.
Are your shingles curling? You have organic shingles which are defective. There was a lawsuit against the company that made these shingles, and it was settled two years ago. Until that time, the insurance companies would not approve these roofs. Now that the lawsuit is over, they will if we can find hail damage on the roof. You definitely will want to get this taken care of, and we will get it done for you. If we find that there is damage on your roof, the insurance company will have to approve it 100%, as there is nothing to replace it with. They no longer make these shingles.