Articles tagged insurance policies. Sellers Roofing helps Saint Paul homeowners document damage, work with adjusters, and get fair settlements after storm and hail events.
An examination under oath (EUO) is a sworn, recorded insurer interview used to investigate a Minnesota roof insurance claim. You answer loss-related questions truthfully and provide requested records, often with a court reporter creating a transcript. It is more formal than an adjuster call. Missing a reasonable request or withholding records can jeopardize payment. What…
Yes. Hotel costs roof leak coverage can apply if wind, hail, or another covered event opens the roof and makes the home uninhabitable. Payment usually comes from loss-of-use, also called additional living expense coverage. A leak tied to aging materials, long-term seepage, or missed maintenance usually doesn’t qualify, even if you need another place to…
Commercial insurance lost rent coverage can pay after a Minnesota roof storm when a covered peril causes direct physical damage and the policy includes business income, rental value, or loss-of-rents coverage. Property coverage alone usually pays to repair the building, not the rent shortfall. Payment is limited to the actual income lost during the restoration…
Two separate, covered hail dates usually produce two claim files and two deductible obligations. Your hail damage deductible may be a fixed dollar amount or a percentage of the insured value, so check the wind and hail endorsement before filing. If both inspections tie the roof damage to one storm and the later date only…
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…
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…
Sometimes. Minnesota insurers often renew policies on older commercial roofs if the roof still sheds water, has maintenance records, and shows no major leaks or sagging. The closer the roof gets to failure, the more likely the carrier is to raise rates, add conditions, or refuse renewal. Old roof insurance renewal comes down to condition,…
Short answer: Yes. In Minnesota, an insurer can cancel or refuse to renew a commercial property policy after a roof claim, but filing the claim alone usually isn’t enough. The carrier usually points to a stated risk issue, such as unrepaired damage, repeated losses, or an aging roof, and it still must follow notice terms…
Usually, yes. In Minnesota, standard homeowners insurance often covers sudden ice dam roof damage, including roof leaks, stained ceilings, wet insulation, and damaged belongings. However, most policies do not pay to remove the ice dam itself or fix long-term neglect. Your policy language, deductible, roof condition, and response time all matter. When This Applies When…
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….
“The roof you have over your head is a true definition of who you are and what you love “ A roof over your house is one of the most integral parts of the house. It does not only protect the homeowner but also the house from the elements of weather. As part of protecting…
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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.