When storms hit, your home takes the brunt of it — especially the roof, siding, and windows. This section brings together real-world advice, expert insights, and recovery checklists to help you respond quickly after hail, wind, or heavy rain. Whether you’re unsure how to spot damage, need insurance tips, or want to know what repairs should come first, our storm damage blog posts have you covered. Start here to protect your property and make smart decisions after the storm passes.
Hail damage on an asphalt shingle roof usually shows up as round bruises, missing granules, cracked tabs, and dents on nearby metal. The clearest clue is a soft, dark impact spot that feels bruised under light pressure. On commercial buildings, compare several roof slopes because one side often takes the hardest hit. When This Applies…
Hail can crack shingles without leaving an obvious hole. The giveaway is a bruise: a soft spot where the asphalt mat fractured under the granules. Look for tight clusters of impacts, granules collecting in gutters, and matching “collateral” dents on vents, flashing, or AC fins. If you find soft bruises or repeated impact patterns, treat…
Yes. Standard homeowners insurance in Minnesota usually covers wind-damaged roof shingles when the loss is sudden and accidental. Most policies pay for repair or replacement after your deductible. Coverage often gets limited, or denied, when damage came from age, neglect, long-term wear, or a separate wind and hail deductible you didn’t expect. When This Applies…
If a 15-year-old hail damaged roof has isolated hits, dry insulation, and no leak history, repair often makes sense. If hail caused punctures, open seams, wet insulation, repeated leaks, or broad surface damage, replacement is usually the smarter call. At this age, condition matters more than age alone. When This Applies A 15-year-old roof sits…
Usually, no, not for minor cosmetic hail marks alone. A roof hail damage claim makes sense when the storm caused functional damage, shortened roof life, created leaks, or pushed repair costs well past your deductible. For commercial buildings, the best move is to document the roof, get a professional inspection, and compare the damage with…
In Minnesota, there’s usually no fixed deadline to report hail damage to your insurer, but you should report it fast. The bigger deadline is the time to sue if the carrier denies or underpays the claim. For many modern policies, that window is often 1 year for hail, even on commercial buildings. Always check your…
Yes, sometimes. You can replace one roof slope in a hail damage roof claim when the damage stays limited to that section, the surrounding roof still performs well, and new materials won’t create matching, code, warranty, or drainage problems. If impact marks spread across multiple areas, or moisture moved below the surface, a larger repair…
Short answer: No, not always. If hail hit one slope, you may only need a targeted repair or partial replacement. Replace the full roof when hail caused membrane breaks, hidden moisture, structural damage, or when the roof is old enough that fixing one side won’t last. A proper inspection should drive the decision. A hail…
Actual cash value vs replacement cost comes down to one question: does the insurer pay for your roof as an aging asset or as a new one? Actual cash value subtracts depreciation for age and wear. Replacement cost pays what it takes to install a comparable new roof, though many policies release part of that…
Inspect your roof as soon as conditions are safe, ideally within 24 hours, and schedule a professional roof inspection after high winds within 1 to 3 days for a commercial building. Fast action helps catch lifted seams, flashing damage, hidden punctures, and trapped moisture before they turn into leaks, tenant issues, or a larger repair…
Sometimes, but not automatically. Minnesota has no state matching law that forces insurers to replace an entire roof just because discontinued roof shingles can’t be matched. Payment usually depends on your policy language, whether the shingles are truly unavailable, the scope of storm damage, and whether a partial repair would leave a clearly uneven roof….
After a windy night, most people scan the yard for fallen branches and look for missing shingles. That helps, but it’s only part of the story. Wind damage often starts quietly, with lifted tabs, broken seal strips, and sharp creases that are easy to miss from the ground. That matters because a roof can look…
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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.