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“Do’s and Don’ts” of A Hail Damage Insurance Claim

19 Sep 2017

“Do’s and Don’ts” of A Hail Damage Insurance Claim


If your home has been damaged by hail, exposure to the elements may greatly increase the amount of damage to your home. Many insurance policies limit your time to file a claim, so don't wait until you have water dripping through the ceiling, mold in the attic, or your roof caves in to call your insurance company. At that point, it may be too late to file a valid storm damage claim.

Millersberg has seen countless homeowners fail to act appropriately after a hail storm.  Mistakes like that can cost someone thousands. Because life’s too short to make all of the mistakes yourself, allow us to share the dos and don’ts of homeowner’s hail damage insurance claims.

DO get out a copy of your homeowner’s insurance policy and carefully read the coverage you have.  Should you need to file a claim, have the policy handy so that you understand what you are entitled to in terms of compensation.

DON’T navigate the insurance claims process by yourself. Without experience, trying to file a homeowner’s insurance claim for hail damage can be lengthy, time consuming and very stressful. Furthermore, it’s not uncommon for insurance companies to offer low-ball estimates to homeowners who find out later it’s not enough to cover the cost of repairs. Make sure to choose a storm restoration contractor with experience in insurance claims like Millersberg to assist help you if you have to file a claim.

DO get a professional inspection by a storm restoration contractor right away. This holds true especially if a large geographical area was affected as most contractors and insurance companies operate on a first come, first serve basis.  In the north, where winter affects the ability to safely install a roof, this can mean the difference between getting your roof installed in the fall or the following spring.

DON’T call your insurance company first. A professional roofing company will be able to inspect your roof and assess any damages. This will prevent a claim being made on your policy if you don’t have any damage or if only small repairs need to be made and don’t warrant a full claim.

DO choose a storm restoration contractor. Because hail and storm damage can be hard to spot not any roofer may be up to the job of providing a valid roof inspection after a storm. The last thing you want to happen is to be told “your roof is fine” only to have hail damage cause leaks and costly repairs later because it was missed.

DON’T feel forced to use a contractor referred to you by the insurance company.  Oftentimes, their motivation is to complete the work as cheaply as possible, using subpar materials and shortcuts.  Hiring your own contractor means that their incentive is to satisfy you over your insurance company.

 

Why Choose Millersberg?

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!
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How Do You Know Your Roof Is Damaged After A Storm?

8 Aug 2017
Many homeowners are not aware of hail damage on their roofs. Hail damage to rooftops often times cannot be seen from the ground, and that’s a big reason why the idea of hail damage hardly ever crosses a homeowner’s mind. Although you cannot fully determine the amount of hail damage on a roof from the ground, there are some signs that a trained eye can point out and help determine if there may be more damage up top.

  • Dents in gutters, gutter screens or downspouts. If metal or vinyl exterior features are affected, your roof is also likely affected.

  • Dents in siding or window sills. Look also at any other exposed metal surfaces, like metal fascia on the roof eaves for signs of hail damage impact, even if it looks like a faint ding.

  • Damage to decks or painted wood surfaces. If you see chipped paint, it may be the result of hail impact.

  • Sand or other roofing material in the gutter or downspouts. This is a sign of extensive damage to shingles, even when you are not able to see the harm done.


Keep in mind that some signs of hail damage might be difficult to spot. Without a close inspection, you might miss signs of damage. However, you should not give in to the temptation to climb up on your roof yourself to look. Not only could you injure yourself, but if you walk on your roof after the storm, you could have trouble getting compensation from your insurance company.

Instead, it’s better to contact a roofing company and your insurance agent for a damage assessment.

 

When To Get A Hail Damage Inspection

The trouble with some hail damage is that the harm is not always clearly visible directly after the storm has passed. Damage can take several weeks or even months to fully manifest. Unfortunately, many homeowners assume that their roof is fine after a hailstorm, and decide not to get an inspection only to be forced to deal with roof leaks and expensive repairs later on.

While it may take a few years for hail damage to get bad enough to cause leaks, most insurance companies have time limitations for filing a claim. This can leave homeowners footing the bill for costly damage that would have otherwise been covered by their insurance company. When it comes to your home, it’s always better to be safe than sorry, so don’t wait to get a roof inspection after a storm.

 

What You Can Expect When You Choose Millersberg

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

 
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5 Roofing Maintenance Tips That Will Save You Money

25 Jul 2017
If you’re like most homeowners, you don’t spend too much time thinking about the condition of your roof. If it needed a major repair or, even worse a replacement, you’d probably think about it then! But replacing a roof can be a big financial hit while regular maintenance will cost only your time. Read on to learn some roof maintenance tasks you can do to prevent costly problems and save money in the long run by making your roof last as long as possible!

Install Proper Ventilation and Adequate Insulation.

This is among the most critical, and often overlooked, factors in extending the life of your roof. Without proper ventilation, a buildup of heat and moisture in your attic can lead to roof rot and diminished insulation efficiency. In winter months, a poorly ventilated attic is a key contributor to the formation of damaging ice dams. In short, properly insulated attic spaces allow your roof to perform as efficiently as possible.

Keep Gutters and Downspouts Clear.

Leaves, twigs and other debris can clog your gutter system, causing expensive water leaks in your attic and interior living spaces. If they are clogged, gutters and downspouts can’t channel water and snowmelt away from your home. You’ll also want to inspect your gutters for signs of damage.

Trim Your Trees.

While trees around your home can provide shade during the summer – they can cause damage to your home in the fall and winter if they are not trimmed back. The extra weight of ice to tree limbs can cause them to snap and break – and if they are long enough branches can damage shingles by brushing up against them.

Inspect Flashings.

Did you know that 90% of the time, a roof leak is the result of improper roof installation or defective metal flashing?  Roof flashing consists of metal strips installed where the main body of the roof meets up with the home’s siding, chimneys or skylights. Because many roof leaks begin at these connection points, check the flashings for holes, cracks, or other signs of damage or deterioration.

Perform Regular Inspections.

It’s a good idea to have a professional roofing contractor perform a routine inspection on a regular basis. Look for signs of damage on the roof surfaces, as well as in the attic and interior of your home. Small leaks or minor damage can often be repaired for little cost. Ignoring them, and allowing them to become major problems, can be a very expensive mistake.

 

Request An Inspection Today!


Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

 
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