Roofing Company Lakeville, MN

Written By: Alexander Home Exteriors | Published On: 8th March 2012

Roofs are classified from 1 to 4 with 4 being the best. The best means that your roof is going to withstand a lot more than a Class 1, 2, or 3 roof and this may minimize the damage that is done during hail storms, heavy snows, and when the wind just doesn’t want to quit. But even though a Class 4 roof may withstand more than a Class 1, that doesn’t mean that it is invincible. No roof is invincible.

Since hail storms tend to do the most damage to roofs, manufacturer warranties do set limits on how large hail can be before the warranty is no good. When a warranty is void, the damage claim cannot be made to the manufacturer. The reason why such limits exist is because the manufacturer cannot control the size of haul, but they have to set limits to protect their own interests. Fortunately, you do have your Lakeville roofing contractor to work with you in repairing your roof and even submitting claims to your insurance company.

What To Ask Your Roofer

Let’s say that you see hail the size of golf balls coming down and you see what the stones are doing to the trees and everything in its path. Think about what that does to your roof. Even if you don’t see damage from the ground, you will need to have an inspection done. If there is damage and you need an extensive repair or even replacement, there are some questions you may wish to ask your roofer. They are:

  • What is the best protection you can provide me?
  • What are the hail stone size limits for the different roof classes?
  • How much does each class cost?
  • How long will it take to install the new roof?

Just make sure that a simple repair is enough before making the decision to do an entire replacement. Entire replacements are not always warranted and you shouldn’t worry about it until a lot of damage has been done or it is simply time for you to replace. This is especially so when dealing with the insurance company. They will only pay for a repair if that is all you need.

The Roof Inspection

It is best to have your Lakeville roofing company inspect your roof before the insurance adjuster arrives. There are two reasons why this is important. The first reason is because a person who sees damage eon a regular basis is able to see things that other people may not be able to. Some damage is obvious to most people, but there are other forms of damage that are not. The second reason is because the contractor is going to know what the cost is going to be to perform the needed repairs. Many adjusters come from out of state and they are not aware of what the local labor costs are, what the construction methods are, and what codes contractors have to follow. You can provide the adjuster with information from your contractor to assist you in your claim.

Contact A Lakeville Roofing Company

If you have experienced roof damage and you need a repair or a replacement, you need a roofing contractor who is experienced in both. You need someone who is going to be honest with you and not try to sell you unnecessary services, but, instead, answer all of your questions honestly and provide you with estimates that are as close to accurate as possible. To schedule your free in-home consultation, call us at 651-436-6916 or fill out our contact form so we can contact you.

Roofing Company Lino Lakes, MN

Written By: Alexander Home Exteriors | Published On: 8th March 2012

Contact us and hiring us as your Lino Lakes roofing company is the easy part. It is your insurance company that may bring about a challenge. You may wonder why your neighbor was able to receive a full roof replacement because of the settlement they received from their insurance company, but your friend down the street did not. This fact may make you a little nervous about contacting your insurance company in regards to the damage done to your home by the weather.

However, the reason for this inconsistency is because not all insurance adjusters are made the same. Some work as independents on a national level, while others are local staff adjusters. The contracted adjusters will come and assess damage when the local staff adjusters are not available to do so. Who you get will be a factor in the result.

Dealing With Adjusters

Local adjusters are employees of the insurance company and they are more likely to provide estimates for repairs than replacements. Independent contractors, however, tend to be more liberal in that they are paid a percentage of the damage that they find done to the home. They are more likely to provide an estimate that will support replacement rather than repair if the repairs are extensive. They also tend to be a little more knowledgeable in the areas of hail and wind damage, as well as the identification of damage since they operate on such a wide geographic scale.

The best way to deal with adjusters and negotiate your repair claim is to call your Lino Lakes roofing contractor to do an estimate and point out those areas of damage that the adjuster may not see. If the adjuster has an idea of where to look, they are more likely to record the damage than if they are left to their own devices.

Denied Claims

Having a claim denied can be very frustrating. Your home is your haven and it keeps you safe. You have to have your roof repaired so that your home is not damaged further. If you don’t have the money to fix it, then you are going to rely on the insurance that you pay for every year to do it for you. Usually, an adjuster will not fund a claim unless there are certain conditions that apply. Fortunately, your roofing contractor does have an understanding of what these conditions are and that is why it is very important to have that inspection done before the adjuster arrives to perform their assessment. Even if the claim is denied, your claim can go to arbitration so you can show the legitimacy of your claim. You can use the information we give you to re-open your closed claim and have it funded.

Contact A Lino Lakes Roofing Contractor

The insurance companies can make things difficult, but matters are not always impossible. Of course, where the insurance adjuster comes from will be a factor, as well as insuring you have your own inspection done before they come. To schedule your free in-home consultation, call 651-436-6916 or fill out the contact form and learn about what we can do for you in regards to inspections, roof repair, and many other services that will benefit you and your home.

Roofing Company Lake Elmo, MN

Written By: Alexander Home Exteriors | Published On: 8th March 2012

The weather can take its toll on your roof and, if your roof is damaged, your entire home can be compromised. That is why when roof damage is done, you need a quality Lake Elmo roofing company to take care of the job. However, you can’t just take someone’s word for it when they state that they are the best, you have to evaluate their track record, their experience, whether or not they are insured, if they are licensed, and if they are bonded. Making sure the company meets the criteria will ensure the job will be done right.

What Not To Do

There are several things that you don’t want to do when there has been damage to your roof. The first is to wait until the weather calms down. The reason why you don’t want to wait is because any precipitation can infiltrate the roof and find its way into your attic or the walls of your home. Here are some other things to keep in mind:

  • Don’t sign an agreement with a door-to-door contractor who says they can handle the repair process for you. You also don’t want anyone who claims they can handle the insurance process on your behalf.
  • Never allow a contractor to place a “hold” on your claim to your insurance company.
  • Don’t just sit back and take any high price that is quoted to you. This is usually done when unnecessary services are offered to you.

What To Do

What you do want to do is take photographs of your home when it is in its worst condition. You may also want to collect a hail stone from any hail storms that come your way and place the stone in your freezer, as well as take pictures of it so that you can show the insurance company what hit your roof. You’ll also need to document the date and the time of the storm because, believe it or not, this could come into question during the claims process.

You also want to make sure you call your Lake Elmo roofing contractor right after the damage has occurred. Even if you don’t think there has been any damage, a roof inspection needs to be done. This inspection has to take place no matter what before the insurance company is called. This is so you can correctly relay to them what damage has been done to the roof. The type of damage may require a special type of insurance adjuster using specific equipment.

You will want temporary repairs to be done so that the damage to the roof is not made worse by further rain, snow, hail, or wind. Your roofing company can take care of this for you until you are ready for the repairs to begin.

Contact A Lake Elmo Roofing Contractor

When your roof is damaged, there is no time to waste. You have to make sure that the damage is addressed as soon as possible so you can preserve your home to the best of your ability. For your free in-home consultation, call Alexander Home Exteriors at 651-436-6916 or fill out the contact form so someone can contact you to schedule your consultation.