2010 June

Archive for June, 2010

Hail Damage Minnesota July 17, 2010 – Winning Insurance Claim Process

Thursday, June 17th, 2010

Hail Damage Claims June 17, 2010 – Call 763-746-4913 for clear advice on what to do before you call your insurance company.

Hail damage claims can sometimes be a very ambiguous process. One insurance adjuster may show and fund a claim and loosen the purse strings, when the next one may come out and find every reason not to. Words like “mechanical damage, delamification, defect, blisters is commonly what they hide behind. What should the strategy be, not knowing which adjuster will show up?

How to negotiate roof repair claims MN is a fascinating concept. Why does one homeowner get a roof replacement settlement by their insurance company and another next door not? Are certain insurance companies more liberal than other? These are common questions asked in the Minnesota storm season. Here is something to note.

All insurance adjusters are not the same. Some are local staff adjusters, and some are independent national adjusters contracted to adjust claims when local claim adjuster resources are exhausted. The two differ greatly. Generally speaking, local claims adjusters are salaried employees of the insurance company, with a broader license for automotive, fire, property and casualty claims. Local adjusters tend to be more conservative when adjusting damage, and are more likely to pay for repairs than replacement. Conversely, independent adjusters tend to be paid a commission or percentage of the damage they find, and are more liberal in their adjusting decisions. Independent adjusters seem to be more knowledgeable specifically in hail and wind damage identification as their focus. No worry -

For a no hassle conversation with Minnesota’s leading (proven by unmatched insurance funding numbers when claims negotiated his way ) Haag Certified Roof Inspector call 763-746-4913. You will be given a clear process to maximize your claim, a no BS approach in preparing your call to the insurance company, and the proven language to use with the adjuster that will set the stage for maximum insurance funding.

Unrealistic expectations are another reason for frustration. Do you want to know if you have legitimate hail damage? Are you at a point where you need honest info and a path to follow moving ahead?

Give us a call. You will be rewarded with a professional and polite approach. We call a spade a spade. We will not hesitate to send our staff Haag Engineering Certified Roof Inspector MN to evaluate your situation if needed, and give you good information about your hail damage situation. Call Berkeshire Exteriors (763) 746-4913

Tags: 2010, Hail Damage MN June 17, hail damage roof, hail damage roofing contractor, Minnesota roofing contractor
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Hail Damage Repair June 2010 Minnesota

Thursday, June 17th, 2010

Minnesota hail damage repair, Minneapolis roofing company, roof replacement in Minnesota

Minneapolis Storm Damage

When a severe hail storm blow through Minnesota, the first question a homeowner may ask is, “should I replace my roof?” The answer to this question is that you may not have to as long as you’re dealing with the right Minneapolis roofing company.

You see, just as hail comes in all different shapes and sizes, the damage occurs in all different shapes and sizes. It may also be sporadic in that hail hit your roof all over, but only certain areas sustained damage. If that’s the cause, then Minnesota hail damage repair should be enough to take care of the issue.

However, when the damage is too extensive to just repair spots, then roof replacement will be needed

Roof replacement Minneapolis

Roof replacement in Minnesota is something that many have had to do. They either do it because they’ve had to deal with extensive hail damage or they have done it because their roof is old and they want to avoid having to contend with severe hail damage.

You see, Minneapolis hail damage can become so severe that a roof can literally become punctured. This means that the hail can penetrate through the plywood that is underneath your shingles. In this case, you have more than just roofing to replace, but a piece of the top of your home. How this damage occurs depends on the pitch and the slop of your roof. If the impact is direct, then there is a good chance that damage will occur. If the impact is not direct and the hail “skims” or “deflects” off of the roof based on its slope, there is a possibility that there won’t be as much damage. Wind also plays a role in this. If the wind is blowing the hail, that can have an impact on how it hits your roof and how much damage it causes.

But no matter whether you’re told you need total roof replacement or that you simply need repairs, you will need to consult with your insurance company regarding what your policy says about hail and see how your insurance company defines hail damage. Some do not define hail damage as true hail damage unless the roof has been punctured in some way.

Roof repair MPLS

Of course roof repair is going to be cheaper than completely repairing your roof. A Minneapolis roofing company will tell you whether you can get by with a repair. If you can, you may still wish to consult with your insurance company and see what you can have done. You may be able to receive full or partial coverage for your damage. No matter the outcome, Minnesota hail damage repair can be done in the way that best fits your particular budget. Simply tell your Minneapolis roofing company what you can and cannot afford. You can only work with what you have, so make sure you have as many options reviewed with you as possible.

In order to get started in determining whether or not you need your roof replaced, call Berkeshire Exteriors at 763-746-4913 so that you can receive a fair estimate and opinion about what needs to be done to make your roof right again.

Get your Free Hail Damage Special Report “9 Critical Things You Must Know Before You Call Your Insurance Company”

Call today for a complementary, comprehensive hail damage consultation. Call the trusted local Minneapolis Roofing Company ~ (763) 746-4913.

Tags: hail damage roof, hail damage roofing contractor, minneapolis roofing contractor, Minnesota roofing contractor
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Hail Damage Insurance Process MN June 2010

Thursday, June 17th, 2010

Storm Damage Insurance Process MN

Storm Damage Claims MN, and Hail Damage MN Claims in Minnesota are one of the most common types of insurance claims. What does this mean for you? A major disadvantage – your insurance company is better prepared to overcome the choice to replace your roof, siding, windows etc. Because insurance companies have years of experience in this process, your insurance company has a well developed plan of attack to minimize your settlement.

Hail Damage Roofing Contractor MN
If there is obvious hail damage like holes or dents the process is certainly smoother. But in most cases, hail damage is not cut and dry. More often than not the decision to replace a roof comes down to the judgment call of an insurance adjuster. One thing is certain, once the adjuster decides you have little or no damage, it’s difficult to change his or her mind. To overcome this, one requires a deep understanding of the physics of hail. Specifically the wind effects on hail, general direction of the storm, size of hail stones, and relative hardness of hail stones. Below is a basic outline to follow if you are not sure how to begin your hail damage claim process if you’re not sure what to do. If you are beyond this stage, simply use this info as a quick checklist.

Find your insurance policy.

Find the Declarations Page, and find the heading Forms and Endorsements. Review your specific policy details for wind and hail damage. Make note of your claims hotline phone number.

Report the loss.

Call the claim hotline – and have the date and time of the storm ready, along with the general areas you have damage.

Preserve the important evidence.

If possible, gather and save anything can prove important details, such as the size of hail stones. We recommend saving and freezing these just in case. Fallen tree limbs, wind driven debris is also good to accumulate to help justify damages found after clean-up.

Take photos of your property in its worst condition.

Before you clean up, take photos the mess. Take them with perspective of evident markings. Take close up photos of the debris and damage. Have two sets of prints made, the adjuster will probably take one with them.

Arrange for temporary repairs if needed.
Take the needed steps to prevent further damage or water intrusion to your property. Your insurance company will compensate you for this, as its more than likely a requirement of your insurance policy. Take every measure to temporarily repair major damage to your home. Save receipts and documentation to receive compensation.

Keep track of your time and expenses.
Keep receipts and records of your time and money spent on the clean up and or temporary repairs.

Select a qualified storm damage restoration company.

Obtain a written inspection and ask for their help and commitment through the entire process. A local experienced hail damage firm has been through the process many times before, look for company with knowledge, resources and experience in specifically handling insurance claims.

Get our FREE Report on the left – Critical Things To Know BEFORE You Call Your Insurance Company.

Roofing MN | Hail Damage 6/17/2010 MN | Storm Damage 6/17/2010 in Minnesota

Tags: hail damage roof, hail damage roofing contractor, roofing contractor mn
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