Insurance Company won’t budge.
Jim’s neighbors had all installed new roofs following a mid-summer’s hail storm with proceeds from their insurance claims. Jim’s insurance company/adjustor simply wouldn’t budge.......
Free, Unexpected Roof!
Greg and Colleen in Eden Prarie, Minnesota asked a local contractor for an estimate on new siding for their home. Several contractors visited their home and gave them estimates for new siding. Only one contractor inspected their roof for hail damage.......
Contractors gave up?
Don was contacted by Lori after she had offered two other contractors her work. They weren’t able to accept the low price offered by Lori’s insurance company and were unable.......
Greatful Neighbors.
....... Because of that, most of the home owners on that block received new roofs from their insurance company due to hail.
Adjustor takes advantage.
Mr. and Mrs. Wade of River Falls Wisconsin contacted us after their insurance adjustor accessed their home and submitted their insurance claim. The adjustor had awarded approximately $600 for repair....... .......When the adjustor was accompanied by a contractor that knew what he was doing, the result was quite different!
Two years later!
John realized he had hail damage six months after a storm had passed through the Twin Cities of Minnesota. ,,,,,,,he was awarded over $4,000 in additional funds, over two years after the storm had struck.......
Oops too late, or is it?
Sally’s home suffered severe damage from a spring hail storm in Western Wisconsin. When a local contracting firm experienced with hail damage met Sally, this is the predicament she was in:.......

Know your rights and have experienced representation before your insurance adjustor comes.

Most of you will hire a contractor to handle all of the repair work. Your insurance policy should allow you to choose a licensed contractor of your choice. If you intend to use a contractor, you don't necessarily need to understand this entire process as that will be your contractor's job. A little study of our site will help you prepare for working together though.

First of all, we recommend reading your insurance policy. Most policies state your rights to hire a contractor of your choice. This is important as you want to hire a good contractor not just the lowest priced contractor, and sometimes your insurance adjustor needs to be reminded of this.

Working with a licensed contractor provides you with additional protection per Minnesota Department of Commerce licensing division. Click for a link to the Dept of Commerce website

Protect your home against further damage and know what your insurance company expects of you immediately following the storm.

Most policies require you as the homeowner to make immediate repairs to your home following a storm that prevent additional damage. If for example, your window broke, your insurance company would expect you to temporarily protect the window. For example you might need to clean up any broken glass preventing future injury and to board up the window to prevent future water damage to the house. Most insurance policies state that this is your responsibility whether you do it yourself or hire it done. They do require you to take action and may not cover damages that happen as a result of delaying such repairs.

Select a reputable contractor.

There are many great resources on the web to help you select a good contractor. You won't have to search hard to find good advice. A great resource is the MN Dept. of Labor and Industry website. Their site allows you to look up contractors lincense numbers and to file/view complaints. Click here for a link to their site. Because this site is sponsored by Integrity Exteriors & Remodelers Inc. (a building contractor) we don't want to bias you towards our service. Because there are many great resources on the web, you should have no trouble finding help. Interview your contractor making sure that they are very experienced with insurance claims from hail and wind damage. By studying this site, you should have a good feel for their level of experience based on your conversation and question/answers.

Understand the importance of working with a contractor experienced specifically with insurance claims.

If you read some of the stories on our site, you'll see the value in having an experienced contractor on your side. Repairing your home from a storm requires a contractor that is great at the building trade as well as navigating the often tricky path of working with insurance companies. The only way to get good at this is through experience and having dealt with the wide variety of circumstances that come up. While some insurance adjustors are "nice" and a pleasure to work with, many can be intimidating and impossible to "budge" on pricing. A good contractor understands his customer's rights and works with the insurance adjustor to get your home repaired.

Know what to expect during the entire process.

As you probably guessed, your contractor will explain the process to you and keep you on track. For a link to to Integrity Exteriors & Remodelers Inc. and a step by step guide through the process, click here