Minnesota Siding, Roofing, & Windows
It’s that season again when our 5.8 inches of rain allotted for the months of April and May are accompanied by these frozen balls of havoc called hail. The National Climate Data Center reported $57 million in Minnesota hail damage for 2001, much of which has been absorbed in the form of higher insurance premiums. Having a real estate inspector tell a potential buyer that your home has been hail damaged can be disheartening. Know the facts. As a homeowner, it is important not only to learn how to spot hail damage, but to know what to do when you have it.
Vinyl siding is the most obvious when damaged. Cracks and holes in the siding are good (and obvious) indicators. Spotting dents on aluminum and steel can be tricky. What you see at 8:00am may look totally different at 5:00pm. What you see during an overcast day may look totally different in full sun. If there is no match to the siding you currently have, most insurance companies in Minnesota will pay to replace all of the siding on your house. A few years back, a well-known insurance company was involved in a lawsuit in which it was required to pay for claims in which there was no suitable match to be found. In an extreme example of this, I was shown a hail dent (just one, mind you) on home in 2002 that was barely recognizable with the naked eye, and yet was told that their insurance company was going to cover everything. This was close to a $20,000 claim! A number of factors can play into the reasoning for this, but needless to say, Minnesotans are paying the price for our 5 years of major hail storms (1998-2002).
Finding hail damage on your roof is more challenging than on siding. Each insurance company has its own adjusters that they use to determine the extent of the damage to your roof and /or roof deck. A hail hit will look as if someone rubbed their thumb in a twisting motion on the surface of the shingle. Some asphalt loss may occur on the entirety of the roof and shingles, but the extent of the damage (in the insurance companies mind) is to be seen in areas where potential water infiltration could occur in the future. This includes, but is not limited to, the shingles themselves. A typical insurance adjuster will look for 6 to 8 “hits” in an area 10’ by 10’ (known as a “square”).
So know the facts. Ask a qualified, licensed professional contractor to examine your home to make a determination before you call your insurance agent at the first sighting of a hail stone. Some companies offer this service free of charge and without obligation. At Northern Exteriors MN Inc., we are more than happy to inspect your home and help you through the process. Call us today for a free home inspection (651)230-5103.
"Call today for a free, no-pressure estimate. We'll have a Northern Exteriors professional inform you on the latest siding, roofing, & window information. Allow us to earn your trust."
Jason Berrey (Owner)
Surviving The Storm
- Was your adjuster fair?
- What should I expect now?
- Hail-proof siding?
- Streak-free roof?
Northern Exteriors Minnesota Inc.
"Quality Work, Well Executed"
2001-2006 Northern Exteriors Minnesota Incorporated. All rights reserved.
If you are in need of:
VINYL SIDING CONTRACTOR, ROOFING CONTRACTOR, REPLACEMENT WINDOW CONTRACTOR, GENERAL CONTRACTOR, MINNEAPOLIS SIDING, MINNEAPOLIS ROOFING, MINNEAPOLIS WINDOWS, VINYL SIDING, MINNESOTA EXTERIORS, MINNESOTA SIDING, MINNESOTA ROOFING, MINNESOTA WINDOWS, JAMES HARDIE SIDING, JAMES HARDY, HOME IMPROVEMENT, MINNEAPOLIS CONTRACTOR, VINYL SHAKES, MINNESOTA ROOF, MINNEAPOLIS ROOF, SHINGLES, TIMBERLINE SHINGLES,
Then your search is over.
No matter the siding product you choose, ask a Northern Exteriors Minnesota home improvement professional to inform your decision.
Serving:
Minneapolis, MN, St.Paul, MN or anywhere in the whole Twin Cities area-
Saint Paul, MN Mpls, MN, Anoka, MN, Apple Valley, MN, Arden Hills, MN, Andover, MN, Blaine, MN, Bloomington, MN, Brooklyn Center, MN, Brooklyn Park, MN, Burnsville, MN, Champlin, MN, Chanhassen, MN, Columbia Heights, MN, Coon Rapids, MN, Cottage Grove, MN, Crystal, MN, Eagan, MN, Eden Prairie, MN, Edina, MN, Excelsior, MN, Falcon Heights, MN, Farmington, MN, Forest Lake, MN, Fridley, MN, Golden Valley, MN, Hastings, MN, Hopkins, MN, Inver Grove Heights, MN, Lake Elmo, MN, Lakeville, MN, Lino Lakes, MN, Little Canada, MN, Long Lake, MN, Mahtomedi, MN, Maple Grove, MN, Maplewood, MN, Mendota Heights, MN, Minneapolis, MN, Minnetonka, MN, Mounds View, MN, New Hope, MN, North St. Paul, MN, Oakdale, MN, Plymouth, MN, Prior Lake, MN, Richfield, MN, Robbinsdale, MN, Rogers, MN, Rosemount, MN, Roseville, MN, St. Anthony, MN, St. Louis Park, MN, Savage, MN, Shakopee, MN, Shoreview, MN, South St. Paul, mn, Spring Lake Park, mn, Stillwater, mn, Vadnais Heights, mn, West St. Paul, mn, White Bear Lake, mn, and Woodbury, mn - Minnesota
CONTACT US:
Phone: 651-230-5103
Fax: 1-877-763-0894
Email: jtberrey@yahoo.com
We are: Minneapolis, Minnesota siding, roofing, & windows premier contractor.
Locations: Minneapolis, siding, minnesota, twin cities, mn, minnesota siding, Minneapolis siding; Minneapolis roofing, Twin Cities, Minnesota general contractor.
Experts in: Vinyl siding, exteriors, vinyl, james hardie, hardy, home improvement, contractor, shakes, roof, roofing, shingles, timberline shingles, roofing contractor, replacement windows, windows, Siding, roofing, and windows for your home.
Copyright © 2005 Northern Exteriors Minnesota Inc. - Minneapolis, Minnesota siding; Minneapolis roofing; Twin Cities, Minnesota general contractor. Siding, roofing, and windows for your home.
651-230-5103 1-877-763-0894 (FAX) info@northernexteriorsmn.com
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