Storm damage to your home? Here is what to do next.
Updated: Jan 27, 2022
Dealing with the aftermath of a Minnesota storm can be a very stressful experience. Whether it's a hailstorm in the summer, a blizzard in the winter, or just the strong Minnesota winds – your home’s exterior will bear the brunt of it. No one is ever prepared for severe damage to their roof, gutters, siding, and windows. When a storm does hit, you will be grateful to have a local Minnesota team of skilled contractors you can trust to do the job right.
After a storm hits, we recommend a quick visual inspection of your home. If you suspect or see damage, contact a local Minnesota home exterior professional to schedule a free inspection and estimate. Discovering storm damage on your home is never a good time, but it is important to contact expert contractors to help guide you through it. Once a call has been made to a home exterior contractor, roofing expert, gutter professional, siding specialist, or window installer it is important to find your homeowner’s insurance policy.
You will need to reference your policy number when contacting your insurance representative. You can either call or file your claim online. This is a great time to ask about your deductible (if you are unsure how much it is). After filing a claim, you will be assigned a claim number and a claims adjuster. It’s important to keep this information handy for future reference. This is also a good time to contact your mortgage company’s property loss department to notify them of the damage sustained to your home. Request a claim packet to be sent directly to you. This will help speed up the process of recovering your insurance proceeds.
If your property loss warrants an insurance claim, a project estimator will advise you to file a claim with your insurance carrier. They will work with you to set up a meeting with your insurance adjuster. Your homeowner’s insurance company will send an adjuster to your home to inspect the damage. The insurance adjuster and contractor will work together to make a record of the damage. Once the insurance adjuster assesses the damages and approves your claim, you will be provided a claim summary detailing the approved repairs and replacement. This report will provide the specifications used in the repair of your home. Let the exterior contractor know when you receive the full report. The exterior contractor will work with your insurance company to ensure they are paying a reasonable market value for the work needed to restore your home.
The experienced team will obtain appropriate permits and schedule crews to come out and repair your home. They will schedule the dumpster delivery/haul out and make arrangements with your local city inspector to ensure that the work is completed in compliance with your local ordinances.
When you are in search of a roofing repair company, there are many options to consider. Living in Minnesota you want to hire a local exterior professional. After major impact storms there are "storm-chasing contractors,” who move from city to city to find storm-damaged homes and offer low-quality service following the aftermath. These contractors sometimes restore properties as quickly (& as cheaply) as possible after a devastating storm. Some large, nationwide contractors know that homeowners are in a tough spot and will make emotional decisions that they wouldn’t normally make without taking time to do some research. One of the tactics some storm-chasing contractors use is knocking on doors of affected neighborhoods, promising homeowners everything under the sun to get them to quickly sign a contingency form without much consideration or foresight. Once you sign that form you are locked into using that contractor. If you want an experienced, local contractor familiar with the needs of Minnesota homes & their owners, choose a Minnesota roofing contractor!
Good news! Refresh Exteriors is here to assist you throughout the entire storm restoration process! You do not need to get on your own roof, or deal with the insurance company directly. We will make the process as hands-off as possible.
Minnesota storms come in all shapes & sizes but rest assured that when they do you will be taken care of by your local contractors, giving you the best price and product to get your home back in tip top shape!