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.
Sometimes. In Minnesota, commercial insurance usually covers roof code upgrades only when a covered loss such as hail or wind makes that extra work legally required to complete the repair. If the upgrade is elective, age-related, or tied to wear and tear, the owner often pays the gap unless the policy adds ordinance or law…
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…
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…
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….
Adjusters verify hail damage on asphalt shingles by matching storm data with physical roof evidence. They look for fresh impact marks, bruising, broken shingle mat, granule loss, and related hits on metal vents or gutters. Just as important, they rule out age, blistering, foot traffic, and other wear before they approve a claim. When This…
Storm damage to a roof refers to sudden, weather-related impacts that affect how the roof performs or protects the building. On commercial roofing systems, this can include hail damage (bruising or punctures), lifted seams, torn flashing, wind uplift, debris impact, and new leaks after rainfall. Damage caused by age, lack of maintenance, or normal wear…
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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.