Storm Damage / Insurance Work
Expert Storm Damage Repair for Homeowners in Minnesota & Wisconsin
If you’re online looking for information on “storm damage repair,” you’re probably stressed out from going through a storm and realizing it damaged your property. We know it can be unsettling and upsetting, but we assure you that you’ve come to the right place. We want to make the entire process as stress-free as possible so you can focus on getting your life back to normal. With our expertise, experience, and commitment to exceptional customer service, you can rest assured that you’re working with the right people to restore your home to its pre-storm condition.
Storms can wreak havoc on a home in both big and small ways, so it is essential to examine all parts of your home, including your roof, siding, and gutters, and look for all damage after a storm has passed. Even minor damage can lead to costly issues if left unaddressed, so we work quickly and efficiently to protect your home and investment.
At Precise Exteriors, we also coordinate directly with your insurance company to help you secure the coverage you deserve for storm-related damage. With our extensive knowledge of roofing, siding, windows, skylights, and exterior remodeling, you can trust us to restore your home's beauty, safety, and value.
Don’t wait—contact Precise Exteriors today for a professional storm damage assessment and expert repair services.
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INSURANCE CLAIMING ASSISTANCE
At Precise Exteriors, we understand the emotional toll storm damage can have on homeowners. Dealing with insurance companies on top of the stress of repairs can be overwhelming and time-consuming. We empathize with your situation and are here to provide compassionate assistance throughout the insurance claiming process to ease your burden.
Our experienced team will ensure all storm-related damages are properly documented and evaluated and work tirelessly to communicate and negotiate with the insurance company on your behalf, ensuring you receive the compensation you deserve for the storm damage to your home. We understand the importance of a fair and timely settlement and are committed to alleviating your stress and guiding you through the entire process with care and expertise.
THE IMPORTANCE OF ROOF INSPECTIONS AND TIMELY REPAIRS
After a severe storm, it is crucial to have your roof inspected for any damage. Even seemingly minor issues can escalate into significant problems if left unaddressed. Our inspectors will carefully assess your roof for signs of damage, including missing or damaged shingles, dents, cracks, or compromised flashing. Timely repairs are essential to prevent further water infiltration, structural damage, and potential mold growth. By addressing storm damage promptly, you can safeguard the integrity of your home and avoid costly repairs in the future.
3 STEPS TO PROTECT YOUR HOME ONCE THE STORM HAS PASSED
After a storm has passed, it is essential to examine your roof and look for even the smallest amount of damage to your home. You never know when a minor issue can turn into an expensive problem for the roof if left unaddressed. For example, when hail hits asphalt shingles, the granules can be shaken loose without the damage being apparent from the ground. The hail will push the granules into the matting, exposing the shingles to UV rays and outdoor elements. Over time, this leads to premature deterioration of your shingles. If you wait to check your roof and let minimal damage become a problem, the insurance claims you file could be denied. This could leave you with a steep repair bill you were not planning on.
Here are three important steps you should take after a storm has passed:
1. Stay Aware
If there is major damage to your roof or any of your neighbors’ roofs, stay away from that area until you are sure it is safe to approach. You should be wary of loose gutters, siding, and any other spare roofing materials. Even a single falling shingle can be dangerous when you’re not ready for it.
2. Take Some Notes and Grab Your Camera
Once you verify it is safe, document all the damages you can easily see – write them down and take pictures. Your insurance company will need all of this information. You can do your own impromptu roof inspection by doing a quick overview of your home. Note that there is a chance you won’t be able to see all the damage that has been done to your roof from the storm. That’s where a roofing contractor like us can help.
3. Call the Roofing Contractor in Your Area That You Trust
You have probably heard of roofing “storm chasers” who will follow a big storm and go around neighborhoods offering their help. Please don’t waste your time with them. Call a contractor who has ties to Minnesota and cares about all of the communities. At Precise Exteriors, we’re proud to have an A+ rating with the BBB.
START BY CONTACTING US FOR HELP AFTER A STORM
If you need to file an insurance claim with your insurance company after a bad storm, we are happy to help! Dealing with an insurance company can be a monumental hassle, so we’re here to stand by you every step of the way. If you would like to enlist our help during your claim process, follow these steps below:
- Contact us first to come out and inspect your home.
- After a thorough inspection, we will give you our recommendation for all the damage we have seen.
- If you have a claim, we will offer you our best advice on pursuing it.
- Our honest assessment of the damage does not guarantee that the insurance company will cover everything.
- We would never want to waste a homeowner’s time, so we will be upfront about it if there is no claim.
UNDERSTANDING THE STORM DAMAGE INSURANCE CLAIM PROCESS
If our inspection proves that your home has sustained some storm damage, there is a process you should follow for the most effective and hassle-free outcome when filing a claim. It’s essential to understand and follow these steps so that the insurance claim process can be as smooth and hassle-free as possible:
- Contact your insurance company agent and report that you may have storm damage to your home.
- Your insurance company will then contact you with the name and phone number of an adjuster, along with the scheduled date and time that the adjuster will be stopping by to inspect your home. Contact your field representative with this information. To look out for your best interests, we need to meet with your adjuster and come to an agreement on the full scope of the damage to your home.
- After meeting with your insurance adjuster, you need to send a copy of the insurance summary to our field representative to let us know what work the insurance company will be covering on your home and to set up a time to select the products and colors to be used on your home.
- Once we have a copy of the summary, we can pick the type of materials you need, and then the project can be scheduled. We will guide you through the process of selecting the best materials to fix your damage. This includes shingles, siding, gutters, etc.
- Upon completion of your project, our inspector will examine the completed work and pick up any leftover materials.
- When your project is deemed completed, a final invoice will be sent to you and your insurance company. After you receive the second and final check from the insurance company, the invoice balance is due.
When your home is damaged in a storm, we will be your ally in dealing with your insurance company and making sure every aspect of your home repair is handled. We strive to provide you with efficient, reliable service so that you know your home repair is being handled professionally and thoroughly.
TYPES OF STORM DAMAGE TYPICALLY COVERED BY HOMEOWNER’S INSURANCE
Navigating the aftermath of a severe weather event can be stressful, especially when it comes to understanding what types of storm damage your insurance will cover. At Precise Exteriors, we work closely with your insurance provider meet all of your storm damage insurance repair needs. Typically, homeowners’ policies cover damage that is sudden and accidental, including:
- Roof Damage: Most insurance policies cover damage caused by hail storms or wind damage that results in missing shingles or punctured roofing.
- Hail Damage: This includes dents and cracks in vinyl siding, roof damage, or broken windows resulting from hail.
- Wind Damage: Damage to the home’s exterior, such as torn-off vinyl siding or downed tree limbs that impact the structure.
- Broken Glass: Windows broken due to debris or high winds are typically covered by homeowners’ insurance.
- Water Damage: If rain enters through a storm-damaged roof or walls, the resulting water damage may be covered.
Understanding these coverage options can help you better prepare to file a storm damage claim should the need arise.
INSURANCE POLICY CONSIDERATIONS BEFORE STORM DAMAGE
Before facing the unpredictability of severe weather, it’s essential for homeowners to thoroughly understand their insurance policy to ensure adequate coverage for storm damage. Here are key considerations to keep in mind:
Review Your Policy Annually
Meet with your insurance agent annually to review your policy’s specifics. This helps ensure your coverage matches your current needs and that you’re aware of any changes or updates that could affect your coverage.
Understand the Coverage Limits and Deductibles
Know the limits of what your insurance will cover and the amount of the deductible you will need to pay out-of-pocket in the event of a claim. Ensure that the coverage limits are sufficient to cover the cost of rebuilding or repairing your home at current market rates.
Check for Specific Clauses on Storm Damage:
Some policies may have specific clauses concerning storm damage, especially relating to types of weather events like hail storms or hurricanes. Verify that your policy covers all possible scenarios.
Know the Claim Process:
Understand the steps to file a claim. This includes knowing how to contact your insurer immediately after damage, the documentation required (photos, detailed descriptions), and how to secure a claim number efficiently.
Consider Additional Coverage for Full Protection
Standard policies may not cover everything. For instance, in flood-prone areas, additional flood insurance might be necessary since typical homeowner’s policies do not cover flood damage. Similarly, consider coverage for additional living expenses if your home becomes uninhabitable after a storm.
Document and Inventory Your Home:
Documenting your home and its contents with photos or videos can be invaluable in substantiating an insurance claim. Keeping an updated inventory of valuable items and their actual cash values can expedite the claim process and help ensure you receive adequate compensation.
Taking these steps before a storm strikes can significantly smooth the process of filing storm damage insurance claims and help ensure that, should the worst happen, the insurance claims process is as straightforward and beneficial as possible.
CONTACT US FOR STORM DAMAGE HOME REPAIR IN MINNESOTA AND WISCONSIN
Precise Exteriors understands that dealing with your insurance company after a storm can be overwhelming, but we are here to help you. Our highly-trained professionals are committed to assisting you and providing the best solutions for your home improvement needs. We will make sure all paperwork is handled correctly and expeditiously so you can get back to living life without worrying about your home’s storm damage.
Precise Exteriors knows the importance of caring for your home and is here to help you protect it. We will assist you in making sure claims and repairs are taken care of promptly so your property returns to looking its best as soon as possible. Call today for all your home improvement needs.