Archive for the ‘Hail Damage’ Category

Storm Damage and Your Roof

August 26, 2010

By summer time we are well into the storm season.  Hail, heavy rain, high winds and tornadoes are all common this time of year.

Damage from these weather phenomena can of course be obvious.  Most know that if they have been hit by a tornado or if they have leaks after a severe storm.  You call the insurance company and your roofing professional and start the repair or rebuilding process.

But sometimes your property goes through a severe storm with no apparent damage.  Don’t be so sure.  Hail, high winds and even tornadoes can do serious damage that may not be noticed for quite some time.

First, let’s talk about hail.  Even moderate hail can do damage to some single-ply and older built-up roofs.
PVC membranes may suffer tiny shatter areas that may no leak for quite some time.  The normal expansion and contraction of the membrane will eventually open these cracks enough to permit the entry of water into the system.
Some hail can also damage the fins on condensing units and rooftop equipment, if it is driven by high wind.
Large hail can cause immediate leakage, but no always.  Membranes that are resistant to hail can be damaged, yet exhibit no symptoms for one to two weathering cycles.  For instance, EPDM (rubber roofing) can be damaged by large hail but will not exhibit problems for while.  Small gull-wing cuts can start to appear long after hail hits.

Shingle roofs will suffer granule loss that will expose the underlying reinforcement and asphalt to UV degradation that will dramatically shorten the life of the roof.  The same is true for granule-surfaced modified bitumen roofing and fiberglass cap sheets.  Gravel-surfaced built-up roofs may have some of the gravel driven into the top plies which can allow moisture penetration that makes the membrane slowly deteriorate.

High winds and even tornadoes can also do phantom damage that is not immediately obvious. High winds are amplified by all roof structures.  Parapets, large open doors and varying slopes increase the speed and pressure that high winds exert.  Bear in mind that wind does not slow down as it climbs the side of a building and crosses the roof – it in fact speeds up.  Various irregular shapes on and around the roof and even the building structure itself produces lift, just like an aircraft’s wing.  This lift may partially or even totally destroy the attachment of your roof to the substrate.  Even though this attachment may be lost, the roof may look just fine as if it was lifted and laid back down in place.  However, the next high wind can have catastrophic results as it does not have to overcome the attachment as the first wind did.  This can be true of all membranes, as well as composition shingles.

Even if your roof shows no apparent damage after a severe storm, contact your insurance company right away and call your roofing professional to inspect your roof for damage. Some tests may need to be performed to determine the extent of the damage, but the expense is well worth it because you may face much more extensive damage if you do nothing.  Plus it always helps to have as much evidence as possible when dealing with an insurance adjustor.
Call a roofing professional if your building is hit by damaging storms, even if damage is not apparent to you.  You will avoid frustration with your insurance company if problems are detected immediately, as well as headaches caused by leaks that could result from undiagnosed roof system damage.

An even better idea is to call today and establish a roofing maintenance agreement that will provide inspections and maintenance at a fixed annual fee.  Such an agreement can help you avoid unexpected expenses and keep your roofing system functioning within your budget.

Acting immediately after the emergency can save time and dollars in the restoration work.  Contact a hail damage expert that has experience in storm damage. Someone that can help you with the  disaster restoration process.

Source: Midwest Roofing Contractors Association

Filing An Insurance Claim For Your Roofing Project In Minnesota

August 12, 2010

Storm Damage Repair MN

Property owners with storm damage every year learn that it is never a good idea to allow insurance adjusters to inspect your property for damage without an experienced storm damage insurance recovery and restoration specialist present during the inspection.  With an experienced team of hail storm damage restoration experts on your side, you can be sure they know how to identify the damage and make sure to get you paid.  If you have already filed a claim but an adjuster has not yet inspected your property — call an expert right now so that they can be there when your property is inspected.  If an adjuster has already inspected your property, they will review your insurance company’s findings to make sure that you will be paid for all incurred damages.

Maximize Your Insurance Claim For Roof Storm Damage

August 10, 2010

Dealing With Your Insurance Company After Storm Damage

Insurance companies know that property owners who experience hail storm damage are anxious to file their insurance claim.  They will often try to rush your claim through the system in the hopes that you will accept their findings at face value.  This costs property owners like you millions of dollars each year in underpaid or denied claims for legitimate hail damages.

Filing Your Insurance Claim

If you have not yet filed a claim, do so immediately.  There is a limited time in which to file your storm damage claim. When a claim is filed, make sure a MN hail damage and Insurance Claim Negotiation Expert is present to protect your interests when the insurance adjuster inspects your property.

Was Your Home Damaged In Any Of The Recent Hailstorms?

August 3, 2010

Hail Damage Minnesota

Hail storms have hit again and have caused significant damage to thousands of homes.

Living in Minnesota, we are all familiar with the extreme weather our beloved state can create.  Every year we experience a wide range of temperatures, weather conditions and of course POWERFUL thunderstorms and severe storms of all varieties.  The punishing storms that can leave the exterior of your home damaged are Hail Storms and Wind Storms. This results in red tape and paperwork from the insurance companies.

The Following Cities Experienced Hail and Wind Damage in the July 17th Storms.

  • Mound, Minnistrista, St. Bonifacius, Watertown, Cold Spring, St Martin, Kimball, Nicholas, Buffalo, Annandale, Staples, Little Falls, Winona, Hokah, Motley, Wadena, Kingston

The Cities Below Experienced Hail Damage in Excess of 1 Inch Along with Wind Damage in the June 25th Storms.

  • Golden Valley, Cottage Grove, Plymouth, St Paul, South St Paul, West St Paul, Inver Grove Heights.

The following cities in Minnesota experienced hail in excess of 1 Inch along with wind damage in the June 17th Storm 2010.  Get expert help with your hail damage claim from a MN hail damage and Insurance Claim Negotiation Expert.

  • Hackensack, Bemidji, Millerville, St. James, Bena, Gibbon, Blue Earth, South Haven, Winstead, St Augusta, Clear Lake, Medellia, East Grand Forks, St Cloud, Montecello, St Peter, Elk River, Buffalo, Pemberton, Rush City, Swatara, Mankato, Lake Crystal, Palmer Township

If your home is located in an area that was hit this year by hail, call a reliable storm damage expert to get a free damage analysis to see if your roof qualifies for a possible full roof replacement. Time is not on your side however so call right away to have roofing expert look at your roofs condition.  Get help Filing an Insurance Claim for your Roofing Project today!

More Severe Storms For Minnesota Homeowners

July 20, 2010

Severe Storms Drop Tornadoes and Hail In Cold Spring, Minnesota

Minneapolis, Mn in the news again.  Strong storms delivered another hit to parts of Minnesota including Cold Spring, Minnesota area on Saturday.

Strong thunderstorms ripped through central Minnesota Saturday afternoon.  It started in Stearns County where 4.25″ sized hail dropped near Cold Spring, MN, that has resulted in widespread damage.  Golf ball sized hail was reported.

The insidious nature of hail damage is that it may pose no immediate threat to the structural integrity of the roof.  However, many insurance companies have a “statute of limitations” of how long a hail claim is viable.  If you have experienced a loss such as hail damage, it is prudent to take care of the problem in a timely manner before it leads to other associated problems.

If your roof has any damage what-so-ever you have a VALID insurance claim and should file with your insurance company.  Insurance companies can not cancel your policy for a disaster related claim.

If you are wondering if your property has been damaged by the recent Minnesota hailstorm, contact a reliable roofing contractor that can help you identify and repair damage to hail damaged roofs.

Watertown, Minnesota Hail Rating Of 5.0

July 20, 2010

The hail that hit Watertown, Minnesota had a hail impact rating of 5.0.

Authorities have confirmed a number of tornado touchdowns across Minnesota, including one in Watertown, Minnesota that has resulted in widespread damage.  The line of storms dropped large hail across central Minnesota with a Hail Impact Rating of 5.0

There were reports of hail from 1 ½ inches and in excess of 4 inches in diameter.  The tornado was rated as a category EF5 on the Enhanced Fujita scale, which measures tornado strength.  The scale ranks tornadoes from 0 to 5, with 0 being the weakest and 5 being the strongest. The rankings are based upon damage caused by the storms, according to the weather service.

Hail damage repairs are likely necessary for property owners in Watertown as a result of this storm.  If your home has sustained hail or storm damage in the Watertown, Minnesota area, contact a qualified roofing contractor today!  A qualified roofer will asses and adequately document that damage exists and be your advocate throughout the entire insurance claim and repair process.


July 17 Tornadoes Batter Watertown, Minnesota

July 19, 2010

July 17 Hail Storm Damage In Minnesota…Again

June 17th, 2010

Tornadoes are among the most devastating and awesome local storms that occur on Earth.  Once again, just 1 month after the devastating June 17 damage to Minnesota homeowners, another 7 tornadoes were reported in Minnesota.  There were reports of hail from 1 ½ inches and in excess of 4 inches in diameter.

The storm moved through Wright County producing a possible tornado near the town of Kingston at approximately 4:15 p.m.  Another tornado touchdown was reported two miles southwest of Watertown, just after 5 p.m.

Threatening wall clouds were spotted from Watertown to Waconia.  There were no immediate reports of injuries but damage is being reported, including numerous homes with roof damage and trees knocked down across parts of the metro.

If your roof has been damaged by a storm whether by wind, hail or rain, contact a reliable storm damage repair expert to provide you with  immediate assistance.  It is crucial that you find a credible contractor that is trained in storm damage insurance negotiation.

Roof Replacement After Recent Minnesota Tornado

July 2, 2010

Replacing Your Roof From Hail and Storm Damage

Make Sure You Use Experienced Roofers When Replacing Your Roof From Hail Damage

We have all heard some horror stories about roofers who take advantage of homeowners who have had hail damage and are not familiar with hail damage claims.

One example of this is where a roofer ordered their shingles, had them delivered, and completed the work:  but then the roofer skipped town without paying for the shingles after collecting the money from the homeowner.   Guess who had to pay for the shingles?  You got it…the homeowner!

Remember to be sure to check references before agreeing to anything with a contractor.  There are plenty of reputable companies who will take care of your needs, and it pays to do some homework.

Eliminate the guesswork by hiring a local, licensed, bonded, and insured crew, with a proven track record of quality work.

If you think you have hail damage on your roof after the recent tornado in Minnesota, and you would like a professional team to assist you in the claim process, call a professional roofing contractor today.  We will work with you through the entire process.


Minnesota Homeowners: Beware Of Storm Chasing Roofing Contractors

July 1, 2010

If you have subjected to the recent Minnesota hail storms, there can be a challenge of sorting the good from the bad in order to avoid accepting offers to mend your roof from roofing contractors who are simply “storm chasers” and may not be up to scratch, or supportive of local work. Here are some indicators to help you to decide.

  • Be patient and calm.  Most homeowners after a hailstorm are desperate to find a contractor. Being desperate leaves you open to being preyed upon by “drifter contractors” who claim to be local.
  • Look for out-of-state tags on their trucks.  The vehicle is likely to be registered anywhere but locally if the contractor is not local. This indicates that the contractor is only in town for storm work and won’t be hanging around for upkeep or remedying any damage that is poorly fixed.
  • Be wary of claims of staying in town.  Quiz an out-of-town contractor very carefully. Extract a promise of return for further mending even if the contractor leaves the state; get this in writing. Long-term warranties, however, won’t be much good if your contractor has left town.
  • #”’Check to make sure that any non-locally engaged roofing contractor has been properly licensed locally.”’ Ask for current certificates of workman’s compensation and liability insurance. This is for ”your” protection. They must have both, as one covers property damage and one covers their workers from injuries if they fall from your roof. Roofing contractors usually use sub contractors to install the roofs, and a lot have crews that travel with them. In most states, the homeowner or their insurance company will be liable if something happens; you don’t want to risk your home.
  • Be aware that roofing insurance is expensive.”’ This can lead some contractors to cut corners to avoid the expense. Insist on seeing proof of current dated insurance.
  • Avoid signing any contingency agreements.”’ These will be very vague, lacking in description of the work to be done and will lack information about insurance proceeds.
  • Do your own research.”’ Check your local Yellow Pages; go back two or three years to find stability of business continuity. Check the BBB when they joined, as they often join the local BBB because when they come into town, they will be new members.
  • Make sure that all materials used are paid for.”’ There have been instances where stormers come in, roof a bunch of houses, and leave without paying the suppliers, thereby leaving the homeowner to pay twice! Ask to see invoices for payments.
  • Prefer the local roofing specialists.”’ In a storm situation, it is always best to buy from an established local roofing contractor that specializes in storm damage repair, as they will be around to service their work afterwards. If your state has any state licensing requirements, you will be able to check these online.

Hail Damage Repair Golden Valley, Minnesota

June 30, 2010

Golden Valley Minnesota was located in the heart of the most recent MN hail storm.  Golf ball sized hail (1-3/4″) was spotted in the Minneapolis, St. Paul metro area on June 25th, 2010.  Hail of this size can cause extensive damage to cars, crops and many components of a properties exterior including roofing, siding, gutters and windows.

The storm passed through the Twin Cities metro area at 7 p.m. reports of power outages and downed trees ranged from as far East as Cottage Grove, Minnesota to Orono, MN on the west edge of the metro area.

If your home was damaged by the recent storm in Golden Valley, Minnesota, and need to file an insurance claim, contact a reliable roofing contractor that has experience in storm damage repair and restoration.

Filing insurance claims and working with your insurance agent and the company adjuster can be a nightmare. Find someone who can assist you in filing your claim and work directly with your insurance company to help you through a very trying time.  Below we have provided a list of “quick links” to several of the major insurance providers and their respective insurance claim pages.  You can quickly review their policies and guidelines.

Here is a list of the most common Roofing Insurance Claim Companies.

AAA
Allstate
American Family Insurance

Cincinnati

Erie Insurance
Farmers
General Casuality
MetLife
Nationwide
Rural Mutual
State Farm
Travelers
West Bend Mutual