Articles tagged Insurance Claims. Sellers Roofing helps Saint Paul homeowners document damage, work with adjusters, and get fair settlements after storm and hail events.
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…
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….
A professional roof inspection and roof leak detection report for insurance should be performed by a licensed, insured commercial roofing professional (or an independent roof consultant) who can document cause, location, and extent of damage with photos, test results, and clear repair scope. Avoid relying on maintenance staff or a general handyman. Insurers want credible…
To document roof hail damage for insurance claims, take wide photos of the entire roof, slope-by-slope roof images, close-ups of shingle impact marks, and photos of dents on soft metals like gutters and vents. Include a ruler or coin for scale, and document the storm date and any temporary repairs. Proper photo documentation helps prove…
Prepare for a visit from your insurance adjuster by capturing documented damage (both roof and interior), gathering roof records, and making safe access easy. Don’t “clean up” in ways that hide impacts, but do stop active leaks. Have one point person, a clear damage summary, and a qualified roofer available to explain their findings for…
Hail damage to siding claims go smoother when you document the damage clearly and prove why a “small patch” can’t match. Photograph every elevation, capture close-ups with scale, log the storm details, and save any broken pieces. If the siding line or color is discontinued siding, document the mismatch with side-by-side samples and written proof…
A denied roof insurance claim after a storm can be frustrating, but a denied roof claim after hail isn’t the end of the road. Start by getting the exact denial reason in writing, then build a clean evidence packet that ties damage to the storm date. Ask for the insurer’s full claim file (photos, adjuster…
Most Minnesota homeowners insurance policies provide homeowners insurance coverage to repair or replace storm-damaged parts of your home, like roofing, siding, gutters, and some window damage, after you pay your deductible. Your payout depends on whether you have replacement cost value or actual cash value coverage, how depreciation is handled, and how quickly you document…
When you’re wondering “what size hail will damage a roof,” it’s crucial to recognize that hailstones can have a wide range of impacts. Typically, hailstones larger than 1 inch in diameter are considered destructive and can cause significant damage to roofs. Here’s a closer look at how hailstones form and how they affect your roof….
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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.