If hail may have damaged your roof before a sale, pause the listing work long enough to document the loss, obtain an independent roof report, and protect active leaks. A hail damage roof may need repair, an insurance review, or a price adjustment, depending on the roof system, including metal roofing. Do not hide known…
Winter roof damage often follows a melt-and-refreeze pattern commonly caused by ice dams. Signs include ice buildup at the eaves, icicles, attic frost, and ceiling stains near exterior walls. Spring hail damage leaves scattered impact marks, bruised surfaces, dents in soft metal, chipped areas, and hits on gutters or vents. These visual patterns suggest a…
Photograph the property before cleanup to preserve storm damage evidence for an insurance claim. Start with wide views, then capture roof edges, damaged materials, tenant-reported water leaks, and every temporary repair. Use date-stamped originals and show scale with a tape measure or known building feature. Never send staff onto a wet or storm-damaged roof. A…
Short answer: For Minnesota homeowners insurance claims involving an older roof, the insurance company uses permits, invoices, warranty registrations, prior claims, aerial images, and physical inspections. It compares the documented installation date and present condition against policy terms. A roof in the 15- to 25-year range may face closer underwriting, reduced claim payments, or renewal…
Commercial roof coinsurance cuts a covered Minnesota roof payment when the building limit falls below the policy’s required percentage of replacement value. The carrier multiplies the covered loss by the underinsurance ratio, then applies the deductible under the policy wording. A valid hail or wind claim can still be paid short. It normally tests the…
Can hail damage solar panels and the roof beneath them? Yes. Inspectors document the storm, module glass, racking, and exposed roof first. After the array is made safe, they inspect mounts and flashings, then lift or remove selected modules when needed. On low-slope roofs, moisture mapping and test cuts can confirm impact damage beneath the…
Yes. You can dispute an insurance roof scope that leaves out flashing when the flashing was damaged, must be removed to perform covered work, or cannot be reused without breaking the roof system. Your dispute needs more than a verbal objection. It needs photos, measurements, material-specific findings, and a written scope tied to the covered…
Wind damage roof soffits usually looks like loose, missing, cracked, or sagging panels beneath the roof edge. You may also see bent fascia, pulled trim channels, exposed attic framing, displaced vent panels, or fresh water staining. These defects can let wind-driven rain and pests into the attic, so they need prompt inspection. Key Takeaways The…
A reservation of rights letter roof claim notice means your insurer is still investigating, but it has not agreed that every part of the loss is covered. The carrier is preserving its right to deny or limit payment later based on policy exclusions, late reporting, wear and tear, prior damage, or another coverage issue. It…
After ice storm roof damage, protect people and the interior first, document conditions, open a claim promptly, and arrange a qualified roof inspection. Do not climb onto ice-covered roofing or approve permanent work before the cause and scope are documented. Temporary dry-in work is appropriate when water is entering. An ice storm can damage a…
Wind damaged gable vents need fast documentation, temporary protection if rain can enter, and a roof level inspection. Photograph the vent, surrounding siding, attic insulation, shingles, and any interior staining before permanent work begins. A cracked louver can be a small gable vent repair project, but wind can also loosen flashing, disturb shingles, or expose…
Yes. Summer heat can dry and stiffen asphalt shingles in Minnesota, making older shingles more likely to crack, curl, or lose granules. Heat usually is not the only cause. Age, poor attic ventilation, hail impacts, winter freeze-thaw movement, and past installation issues often weaken the roof first. A hot July day then exposes the problem….
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Sellers Roofing Company is your premier Saint Paul destination for expert commercial and residential roofing services, offering comprehensive solutions from storm damage restoration and repairs to new asphalt shingle installations, all with meticulous craftsmanship and an eye for enhancing your property’s safety and aesthetic.