The short answer is no. A claim regarding a storm is deemed an 'act-of-nature' claim. You can't specifically have your rates raised by your insurance carrier as you couldn't do anything to prevent it event from occurring.
Something to keep in mind is that if enough claims come out of a certain zip code, everyone's rates may go up short-term.
The process is pretty simple, have your property evaluated, and see if you did have damages and if you do, it is in your best interest to file a claim. That is why you have insurance on your property.
The average roof replacement is going to take about a day. It starts with our production manager as they determine which crew to send to your job depending on how big your roof is, how steep it is, and how complex it is.
The crew will show up at 7 o'clock. They'll go around the property putting out tarps, and protecting all the landscaping. The first 2-3 hours is the crew completely removing the old roofing system. The next 1 hour to 2 hours is spent weatherproofing the new roof by installing the underlayments, the ice and water shield, the felt paper, the drip edge, the starter shingles, and the valley metals.
After a lunch break, the crew spends the remaining hours of the day installing the new roof. The new shingles, ventilation parts, the pipe boots, the flute caps, all that stuff. At the end of the day the crew cleans up, and trailers are removed from the premise.
First, you will want to make sure your vehicle is out of the garage and the driveway. Your roofing team will be delivering materials as well as a big dump trailer or a dumpster that morning.
The second thing you will want to prepare for is removing items away from your house. Your house patio furniture, grills, potted plants, and anything valuable to you around the home should be moved to a covered area. If you have items that are too heavy for you to move then make sure to let the foreman or your project manager know so they can help move them before the roof starts. Also, let us know if there are any delicate plants or shrubs around your property and we'll make sure to cover them before we start the roofing project.
Lastly, you will want to let us know if there are any items on your walls that are expensive or fragile family heirlooms. We don't want those to accidentally fall down when we complete your new roofing project.
Remember you can always ask your project manager questions about anything inside or outside your home before the roof starts.
There are three ways to file a claim with an insurance company.
- Call your local agent: Let them know that you had storm damage on your roof and that you would like to get a claim started.
- File a claim online: Go to your insurance company's website and look for the 'File a Claim' button. It will guide you through the steps on what to do.
- File a claim through your insurance carriers app: Most bigger insurance carriers have an app that has a portal for you to file a claim through.
When it comes to filing the claim itself be prepared to answer a few questions from your insurance provider such as:
- Was your roof inspected by a contractor?
- What day did the storm occur?
There are many reasons you will want a contractor with you when an adjuster comes to assess the damages to the exterior of your home.
A lot of times when major storms come through local adjusters cannot handle the volume of claims coming through. They will reach out to other states, and people around the country to come in and help. They are called independent adjusters.
They come in and write claims for these local carriers but since they are not local to the area's building codes. They might identify hail damage and the scope of repairs correctly but might be missing a lot of the items that are required in Minnesota due to our harsh winter conditions such as ice and water shields.
From there the adjuster is going to look for signs to see if there is marginal damage or if it is on the border of the damages being able to be covered by insurance. Keep in mind that the adjuster for the insurance company is the insurance company's representative, they're told to mitigate or minimize the loss where they can.
That is why having a contractor on your side is important as they will advocate the damages that should be covered for you. Here at Capital Construction, we are your proponent. We're doing everything that we can to make sure that you are getting coverage for the damages that we see.
We will have a conversation at that time with the adjuster and try to get you covered for a roof or siding replacement.
It's great to have two sets of eyes. A contractor on your side and an adjuster working for the insurance company meet at the same time to talk about the damages and come to an agreement on the scope of repair damages to the property.
The Number one thing that you want to look for when picking a roofing contractor is to make sure they are licensed, insured, and bonded. Ask your contractor if they have a document they can show you that displays the number they're insured for and that they're licensed and bonded.
The second thing you should do is talk to your friends and neighbors that have used a roofing contractor in the past. You can also talk to your insurance agent, or local realtors to see if they have any good recommendations.
Lastly and most importantly, I would check out online reviews. You can find these reviews on different websites such as Google, Facebook, BBB, and most roofing companies' websites.
In the fall the number one problem that people have is leaves getting in their gutter systems. An easy way to prevent that is a gutter screen. This is placed right on top of the gutters so that nothing can get into the gutters while the leaves fall off of the trees.
Another issue homeowners will run into as the season changes are issues with snow and ice. Things such as deicing cables are an easy way to prevent snow and ice build-up on your roofing system that could cause serious damage later on.
The last thing to consider, and something we highly recommend, is that after all the leaves have fallen get your gutters cleaned. This prevents build-up on the gutter system that could cause clogging and possible ice dams.
The next step after receiving approval for your roof to be replaced is you will receive a summary of loss from your insurance provider. It is a small paragraph detailing the benefits of the loss.
The second thing you're going to get from your insurance company is a scope of loss. This is what you will provide to your contractor when reviewing the project details. This covers what parts of the roof got approved and if there are any additional damages to the gutters, pieces of siding, or a window.
The last thing is that you will receive your first check which is the ACV (Actual Cash Value) check and the term that insurance companies use. You will give this to your contractor as well.
How you can expect to receive this information in two ways. First, it will come via email to make sure to give the adjuster the correct email address. The second way you can receive this information is through your mail.
99% of the time it is not leaking. We get a lot of calls about this during winter and it is typically trapped moisture from inside your home.
When you think about your house, you've got your house, whether it is one-level, two-level, etc. Whatever the top level of the house is, above that is a layer of sheet rock and then a layer of plastic. In the attic you have the insulation. It's meant to keep the heat and the moisture in the house and out of the attic. Because in the attic, that temperature is going to be the same as the outside temperature.
These "leaks" that are happening, what's typically the case is inadequate insulation. The warm moist air from the house is getting up in the attic and its freezing. Once it warms up again outside, all that moisture that was frozen, melts, drops into the insulation and then works it way down through the house.
If you are running humidifiers, you should be running fans a lot to vent that moist air up and out of the house. You should also check the insulation in your attic to see if it is adequate.
Yes, we do offer a variety of different maintenance services. Some examples include siding repair, roof leak investigation and repair, deck repair, and on call services. Many often ask what our on call services include and that would be any emergency related service subject to storm damage.
We want to be your go-to partner to take care of any of your exterior maintenance needs. So, if there is something you or your community is facing, don't hesitate to reach out. We would be happy to take a look!
First when choosing the right shingle, you want to make sure of your timeline. Check with your project manager to make sure that shingle is available because that will effect ultimately the timeframe of your job being built and finished.
Secondly, keep in mind any future home improvement needs you may have. If you're looking to change color or adjust something on your home, make sure that color you choose is going to last throughout projects on your home now and into the future.
Lastly, understand that these are architectural shingles, they have a lot of dimension. So, when looking at the shingle, understand that there's lots of different granules, colors, speckles within that shingle that can add to bring out features in your home. Whether it's your siding, your fascia, your shutters, whatever it may be, those colors can help accentuate those parts of your home.
Prior to starting a project a detailed timeline is always given to the property manager. But as we all know there can be delays. We could experience inclement weather, supply chain delays, or an unexpected issue. We can always get ahead of schedule as well.
How we best communicate these changes to eliminate any surprises to our managers and the residents is through our client communication portal. Anyone has access 24/7 to project status. The management team is provided a dedicated URL and is continually updated with any important information including any changes to the schedule. The property manager can then share the URL with all of the residents which saves their team time each day.
Another cool feature we have on the client communication portal is our contact us form which allows anyone to reach out to a member or our team directly with any questions they may have about the project.
Melted snow is caused by warm air that heats up in the attic. As water runs down the roof it comes in contact with the eaves which is a much colder part of the roof. Ways to prevent that from happening is to:
1. Consult with a professional. This professional can come out and make sure that your ventilation in your roof, your soffits, the R value of your insulation in your home are good and up to code.
2. Invest in a roof rake. When you get a heavy snow rake the first three or four feet of each eave that has snow piling up on it. Pick up a heat cable and install it onto your roof yourself.
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