Hail Damage St Paul MN? Free Storm Damage Inspections Here!
Free Storm Damage Inspections -Hail Damaged Shingles
Unseen wind and hail damaged shingles from thunder and lightning, or heavy rains and strong winds from violent hailstorms and ice can be even more dangerous than visible damages, because it can let minor problems go unnoticed for years, that can end up costing you a ton of money in the future.
There are generally two types of hail damage to asphalt shingles:
- 1. Rupturing of the reinforcing mat.
- 2, Loss of granules that expose the bitumen underneath
One of the biggest problems with roofs, is that most people don’t realize that damage has affected their property until it’s too late because the roof is out of sight. As a result, many hail damage insurance claims get submitted too late, leaving the burden of paying for the damages on the unsuspecting home or business owners!
If \you suspect that you may have been the victim of hail or wind damage, you should pick up the phone right away and let one of our experienced storm damage claims specialists inspect your roof and air conditioning for you. Sellers Roofing Company has over a decade’s experience with storm damage inspections and storm damage insurance claims. We have friendly operators on hand who can schedule a meeting at your convenience, and we would be happy to come out and take a look at your property free of charge!
About Your Insurance Claims - Storm Insurance Claims Do's and Don'ts
Unfortunately, roofs tend to have the most expensive damages. The good news is, that if you are a homeowner, hail damage on an asphalt roof is sometimes immediately recognizable. It has taken up to 3 years after a hail storm for a homeowner to know that they have been a victim of hail damage, and the reason for this is that the damages are sometimes so slight that over time, the lateral water movement across the roof gradually works its way into small holes and cracks, causing water damage, rot, mold, and eventually even structural damage.
Not to mention that the time limits to file a claim can get tricky, and there are state laws that affect these as well. In addition, your insurance policy will tell you that you have a responsibility to perform any emergency services necessary to prevent more damages to the property from occurring.
In the end, getting a professional, certified storm damage inspection specialist on your side is always best. Sellers Roofing Company handles insurance claims from start to finish, taking care of the inspection and all of the paperwork for you, to get the headache off of your shoulders, and get you the money that you need for your claim!
Actual Cash Value vs. Replacement Cost Coverage - What You Need to Know About Homeowners Insurance
Did you know that between Minnesota and Wisconsin hail damage and high winds caused 2.5 billion in damages between 2009 and 2011? And that wind and hail damage claims are the most frequent types of homeowners insurance claims, and that 1 in 20 homeowners has an insurance claim each year? The problem with Minnesota is that we are notably one of the worst states for hail damage, When your home or business takes on damages, there are two ways that your insurance company can pay you for your storm damages. Actual Cash Value and Replacement Cost.
Actual Cash Value Vs. Replacement Cost – Actual cash value is the fair market value of your home or business, which takes depreciation into depreciation. Replacement cost on the other hand is the basic cost to replace the damages with something similar without depreciation. Home insurance policies that pay you in Actual Cash Value are generally more expensive than ones that do not. Also, Actual Cash Value depreciates with time and Replacement Cost does not, which in many cases is better. It’s important to be familiar with these policies at the time when you purchase your insurance policy, so that you can know what to expect in the event that you have to make a claim.
If you need assistance with your insurance claim, Sellers Roofing Company takes the headache out of the claims process by conducting inspections, filling out paperwork, and working with claims representatives, working hand in hand with you and your insurance company to get you the best money for your claim. We handle full exterior home damage repairs including siding, windows and doors, gutters, roofing, and more!
Storm Damage Inspections - Final Thoughts
Whether you have been the victim of a violent storm, or just a regular storm with some hail that was big enough to have possibly damaged your roof, it’s worth getting checked out by a professional! We have operators on standby 24/7 to take your calls, and friendly inspectors that can meet you at your convenience to take care of your storm damage insurance claims for you!
Just use any of the buttons on our site, or call us at (651)793-2336 any time day or night to schedule a free, no- hassle evaluation of your needs with our team of storm damage assessment experts, and we will be glad to handle your project and get the job done right for you!