Articles tagged Hail Damage. Sellers Roofing of Saint Paul inspects, documents, and repairs hail damage for homeowners and businesses across the Twin Cities — with insurance-claim assistance on every visit.
Yes. Hail can damage a roof while gutters and siding stay intact or only show minor marks. Roof membranes, seams, flashing, and edge metal take impacts in a different way than wall cladding or downspouts, so the storm can bruise, puncture, or loosen the roof without leaving obvious damage on the rest of the exterior….
Yes. Hail can dent, crease, or split valley metal on shingle roofs, and those hits can let water move under the shingles. Cosmetic dents are not always a failure, but bent seams, loose edges, torn shingles, or wet decking are real problems. On a commercial roof, that kind of damage deserves a fast inspection. When…
Yes, sometimes. Some Minnesota insurers offer a premium credit for impact-resistant shingles, but the discount depends on the carrier, the policy form, and the proof you can provide. The roof also has to qualify. That usually means a steep-slope shingle roof, not a flat commercial system. If your commercial roof needs repair, the savings question…
Start with safety, then check the roof in layers. Look from the ground first, photograph dents, splits, and missing granules, and only climb if the surface is stable. On a detached garage, garage roof hail damage often shows up on edges, flashings, and metal trim before it shows through the ceiling. If you find leaks,…
A separate wind and hail deductible in Minnesota is the amount you pay before a covered storm claim starts paying. On many commercial policies, it is a percentage of the insured value, so the out-of-pocket cost can be much higher than a normal deductible. The policy wording controls when it applies and what property it…
Yes, sometimes, but only when the ventilation work is tied to covered hail damage or required by building codes. Whether you are dealing with a commercial property or standard home insurance coverage, the primary goal of the insurer is to restore the building to its pre-loss condition. An insurance company typically evaluates claims based on…
Usually, yes, under your homeowners insurance, but only when the roof replacement follows a covered peril such as hail damage and the policy treats panel removal, storage, and reset as part of the claim. Solar panels permanently attached to the roof fall under dwelling coverage. If the roof is being replaced because of age, wear,…
Yes. Hail can damage EPDM seams even when the EPDM membrane sheet itself looks intact. The membrane may not split, but the splice edge, seam tape, adhesive, or termination details can lose their seal. That can create a leak path later, so EPDM hail damage is often a seam problem first in rubber roofing, not…
Brittle shingles insurance claims in Minnesota usually fail when asphalt shingles are breaking down from age, sun, or poor upkeep. Insurance can pay when a covered storm, like hail or wind, caused the breakage and the shingles can no longer be repaired. A commercial roof needs repair for many reasons, but only some of them…
Usually, no, when it comes to hail damage insurance denial in Minnesota. An insurance company cannot simply relabel property damage from hail on a commercial roof as “mechanical damage” to avoid a covered claim. The insurance company can still deny or reduce payment if the loss is really wear and tear, cosmetic damage, poor maintenance,…
Yes, you can file a roof insurance claim for a second roof claim in Minnesota if the later storm caused fresh storm damage. The claim has to tie to that second event, not to old wear, an unfinished repair, or a leak already in the first file. For commercial buildings in the Twin Cities, that…
Yes. In Minnesota, insurance roof repair instead of replacement often applies after storm damage or other covered events under your homeowner’s insurance. An insurer can require roof repair when the damage is limited, the rest of the roof still works, and the policy only owes the cost of fixing the damaged part. The carrier still…
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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.