Minneapolis Hail Insurance Claims

Minneapolis Hail Insurance Claims

If you live in the Minneapolis and St. Paul Metro area and you have recently experienced a hail storm, your roof may have been damaged. If you suspect that it has been, give your insurance agent a call. He or she will send out an adjuster who is properly trained to inspect roofs for this type of damage.

It can be difficult for homeowners to effectively inspect their roofs because most have not been properly trained to do so and have little-to-no experience determining whether or not roof damage is hail related.

There are some things that homeowners can pick up by doing some self-study. However, by and large, it is best to call in the insurance company since they will likely be the ones picking up the tab.

If your home’s roof has been damaged by hail, the course of action the insurance company decides upon their findings that their particular policies. Some will offer to replace the entire roof if the problem is severe enough while others might provide just enough money to make a few, minor repairs.

It is very important to have your roof inspected if you suspect hail damage. If you fail to do so and it turns out that the roof was in fact damaged, it may eventually begin to leak.

Because some insurance companies require that claims be made within a year of the event, (storm, tornado, hurricane, etc.) which caused the hail damage, trying to get them to pay for the repairs, after that amount of time has passed can be difficult.

Though you may be fearful of your premiums increasing if you make a claim, having it fixed may be well worth it. Having a roof replaced on a 3000 square foot home would cost between $10,000 and $15,000. A roof for a larger home would cost even more.

If you don’t have that type of money lying around, you would either have to use credit cards, take out a loan or live with a leaky roof. None of these options is better than having the insurance company pay for the repair.

To begin the claim process, you will first need to check your policy to make sure that it covers hail damage. If it does, give your insurance agent a call and let him or her know that you would like to file a claim. They will send out an adjuster who will make the final decision regarding your roof.

If they agree that it needs to be repaired or replaced, you will either need to find your own roofer or choose one from an approved listing of roofers provided by your insurance company. Different insurers have different policies regarding this.

When you contact a local Minneapolis Roofing Contractor, it is important to select one that is fully licensed and insured – such as Bayport Roofing. Our roofing and siding professionals are ready and able to handle your every need. Contact our office today for a free roof inspection!


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