Articles tagged roof damage. Sellers Roofing — Saint Paul’s family-owned, union-built, GAF-certified contractor — has completed 1,100+ Twin Cities roofs since 2017. 4.8★ on Google.
Sometimes, yes. A commercial roof moisture scan after hail is often covered when it helps prove a covered loss, map hidden moisture, or define the right repair scope. It usually is not covered when the scan is treated as routine maintenance, a pre-existing condition check, or a way to investigate old leaks unrelated to the…
Yes. Sun damage can look a lot like hail damage on aging shingles, especially when granules wear off, the surface gets brittle, or heat creates blisters and cracks. Hail usually leaves random impact marks and fresh bruising. Sun wear shows more even aging. When the pattern is unclear, a documented inspection is the safest way…
Yes, hail can damage stone-coated steel roofs in Minnesota. The roof may still look fine from the ground, but hail can dent the steel, chip the coating, loosen flashings, or open a leak path around details. Some damage is cosmetic. Some damage affects watertightness. The difference matters, especially when a commercial roof needs repair after…
Yes. Hail can dent, loosen, or split chimney flashing while the shingles around it still look fine. That happens because flashing is thinner, more exposed, and sealed at edges that hail can stress. If the flashing fails, water can enter even when the roof surface looks untouched, so the real test is function, not appearance….
Usually, yes, if hail opened the roof, water got in, and the mold followed soon after. The claim is strongest when the leak is tied to a covered storm event and you can prove it with photos, moisture readings, and repair notes. Mold from old seepage, condensation, or slow maintenance problems is far easier for…
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. Roof snow removal can tear shingles or flashing when crews scrape too hard, use the wrong tool, or work on cold, brittle material. The risk is highest at edges, seams, vents, and old repairs. Careful, layered removal lowers the chance of roof snow removal damage on commercial buildings and mixed roof systems. Snow puts…
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, roof nails backing out is a common issue after repeated freeze-thaw cycles in Minnesota. This phenomenon, often referred to as nail pops, occurs when moisture enters small gaps and freezes. The subsequent expansion and contraction of materials as temperatures fluctuate puts significant stress on the entire roofing assembly. This movement can lift asphalt shingles,…
Yes, a roof claim denial can occur even without an adjuster conducting a physical inspection. An insurance company may choose to rely on submitted photos, prior inspection reports, specific policy exclusions, or evidence of long term maintenance issues rather than sending a professional to evaluate the roof. While this article focuses on commercial properties, it…
Short answer: If roof damage deductible Minnesota leaves the repair cost below your coverage threshold, insurance usually won’t pay anything, so you cover the job yourself. That is common with small membrane patches from storm damage, isolated flashing issues, or minor leak work. In Minnesota, a roofing contractor cannot legally waive your deductible or rebate…
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…
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