As anyone in Minnesota knows, hail damage is a common problem. In fact, MN hail damage claims are one of the most common types of insurance claims in the St. Paul Minneapolis area. Because of this, you would think that the insurance companies would be used to seeing hail damage claims and simply pay up. However, this is actually not the case. Over the years insurance companies have gotten exceptionally good at avoiding hail damage claims and roof replacement projects with a number of different excuses.

We all know what it is like battling against insurance companies for compensation. So, is there any way to fight back against the stress, drama and headache that comes with Minnesota hail damage claims? Yes, there is- be prepared in the case of hail damage to your roof by following the checklist below.

Hail Damage Insurance Negotiations, Claims, Settlements

• Re-check your insurance policy – look for your claims hotline phone number as well as your specific policy details for wind and hail damage. The problem with insurance claims for MN hail damage is that not all problems are cut and dry. Sure, if you have massive holes in your roof, it can be pretty easy to claim, but, in most cases, the damage is minimal (but still there) and thus the claim is harder to prove. Your first defense is to know what your policy entails.
• Report the loss through the claim hotline. Have the date and the time of the storm ready as well as any other details, including other damage incurred.
• Gather the evidence – if you can, look for evidence from the hail storm. For example, try to find some of the hail stones and freeze them for later. This can be a great way to win your case.
• Take pictures – another way to gather the evidence is to take photos of your property after the accident. Get as close up to the damage as possible and document the damage. You should have negatives made as the claims adjuster will probably want to keep a set.
• Get the repairs you need – if the hail damage is causing extensive damage to your property then you may need to act fast to prevent further water damage. Make sure you keep all receipts for these repairs to receive compensation. Furthermore, take pictures of any other damage to your interior or exterior property including mould, mildew or leaking stains.

The more evidence you have to support your claim, the better you will be in the long run.

Hail Damage Repair Minnesota

Another option you have is to contact an expert Minnesota roofing contractor to come assess the damage and provide you with a quote for the cost. A qualified and experienced Minnesota hail damage contractor will work with the insurance company on your behalf which can save you the headache. This is most certainly something to consider when it comes to battling against hail damage this winter season.

If you are considering putting in a new roof or replacing a damaged roof caused by hail or any other disaster, it is important that you know what you are getting from your contractor. A poor job can leave you with more stress and headache than before the project began. So consider the following tips when it comes to your MN contractor specifics:

Hiring The Right Roof Contractor

In some jobs, such as commercial roofing or multi unit hail damage, you may want a detailed written proposal about the project plan. Make sure you include the start date and completion date. You will most likely notice a clause pertaining to the weather. A detailed written proposal will give you the assurance that your hail damage or roofing contractor is professional and can get the job done.

Don’t be afraid to ask questions pertaining to the contract or the job itself. When it comes to roofing maintenance, there are a number of things you can do every year on your own to help with your roof’s longevity. Knowing the procedure of what he is doing will help you understand your roof’s needs.

Lifetime Warranty

Warranties are incredibly important for any job, especially for a roof. Carefully read and understand any warranties that are offered to you and be on the lookout for anything that seems a little odd. Ask the roofing contractor for a list of the different manufactures used as well as warranties offered on their material. Your Minnesota roofer could be the best in the business but this doesn’t matter if the material is less than perfect. One of the ways you can determine if the material is less than par is to check the price. If your contractor is offering a lower-than-low bid, then it might be because the material is cheap.

Furthermore, for even more insurance on your MN hail damage needs, check the roofing contractor’s history- many companies will change their name or dissolve their business in an attempt to avoid broken warranty claims. If your roofing contractor has been operating for a number of years, under the same name, then you are most likely in good hands.

The Insurance Nightmare

If your roof has undergone hail damage, then you may be able to claim the money back through your insurance policy. However, as we all know, dealing with insurance claims is a nightmare and a half. Ask your roofing contractor about how he/she handles insurance claims due to MN hail damage. Some contractors will go directly through the insurance company and work with them – this is what you want. A roofing contractor that eliminates the insurance headache can definitely save you a lot of confusion, time and stress.

Hail damage in Minnesota is something our roofs have come to accept. However, don’t settle for anything but the best when it comes to your roofing and hail damage contractor needs by always checking the specifics of the contract, the warranty and the insurance claims.

It can be hard to believe the damage that can be caused by a simple hail storm. However, in Minnesota, these hail storms can produce hail the size of baseballs which can really knock the socks off the insurance companies. In fact, there were over $8 billion worth of hail damage MN claims from 1991 to 1995 alone. Below are some of the common questions surrounding Minnesota hail damage claims and repair. Keep in mind that a qualified MN roofing contractor can also answer any concerns you have about your hail damage and claim process.

My roof isn’t leaking but there is still damage – can I file a claim?

Yes, definitely. Just because your roof isn’t leaking does not mean your shingles have not been cracked. Over time these cracks can lead to leakage and other problems. Furthermore, a leaking roof is only one of the damage factors. Your shingles may have lifted off, curled or blown away all together. The best way to determine the damage is to contact a MN hail damage contractor for an inspection and estimate.

My roof is brand new and has a manufacturer’s warranty – can I claim the damage through this?

Unfortunately, most warranties will exclude the damage caused by a hail storm. Your best bet is to go through your home insurance policy when it comes to hail damage.

Can I still file a claim if there is only a small amount of damage?

Yes you can. If you have a Minnesota roofing contractor confirm the damage, then you can claim the repairs. Damage is damage. However, to help your claim, make sure you document any damage incurred by the hail storm, no matter how small it may seem. These teeny cracks can end up causing drastic problems down the road.

How Can I ensure my Claim is Taken Seriously?

There are a number of things you can do but the most important thing is evidence and documentation. If you happen to stumble upon one of the golf ball hail storms that caused your roof damage, freeze it and keep it. Take photos and record all damage incurred by the storm as well as important details about the hail in general. If you are having trouble with this process, a Minnesota roofing contractor can help you out.

Should I file a claim if there is only a small amount of hail damage?

This all depends on your situation. Many people will avoid filing a MN hail damage claim in fear that their rates will rise. However, the reality is this – rates rise anyway and what is the point of having insurance if not to make claims when something does happen. A MN contractor can help you assess the damage and provide you with a free estimate so you can determine if the out-of-pocket expenses make up for not filing the claim.

Hail damage is annoying to say the least – however, it can also be devastating to your home and your belongings if the damage is substantial enough. To avoid the stress of a leaking roof down the road, get the help you need as soon as a hail storm occurs.

Has your home been through hell and back due to a recent hail storm? If so, then you are probably wondering what the next step is. You know you need to file a claim to your insurance company but you are avoiding it at all costs. After all, we all know that insurance claims can come with several complications and headaches along the way. Furthermore, Minnesota hail damage is a common complaint that insurance companies sees on a daily basis. They are prepared to battle to the end in order to get out of proper compensation. So is there anything you can do to ensure you get the compensation you deserve from hail damage?

Yes, there is.

You can get the help you deserve.

Minnesota Roofing Contractor

A Minnesota roofing contractor can provide you with the assistance you are looking for. Why? Because they see firsthand the damage done to roofs caused by hail storms. Be sure to look for a Minnesota roofing contractor that works directly with insurance companies and have the credentials to back them up. Hail storms can be unpredictable to detect but they can be even more confusing to understand. The damage caused by falling hail will depend on a number of factors including time of day, wind speed and hardness of the stone. Brigley Roofing has the experience and the understanding of hail damage to help you with your claim.

Hail Damage Options

If you have currently experienced a hail storm and are worried about how your roof has fared, it is important that you inspect for damage. You may think that your roof is okay (after all, there are no leaks coming into the house), but this does not mean you are out of the clearing yet. If your shingles are missing, indented or cracked, then you have a problem. Cracked shingles can lead to problems in moisture retention which can lead to mould and mildew down the road. Furthermore, hail damage can also cause problems to your gutter and your siding system.

Your best defense against any of these damages is to document what you see. After a storm, take a camera and a pen and paper and make notes of the details of the storm as well as the damage. Read up on your insurance policy to make sure you understand the fine print and are prepared for the fight ahead. And, finally, contact a roofing contractor for the extra ammo you will need.

Insurance Claim Hail Damage

You should not have to battle against an insurance company for Minnesota hail damage claim. In many instances, no matter how prepared you are you still will not win the case. Instead, you need to fight experience with experience. And who is more experienced than hail damage roofing concerns than a roofing contractor? Fight fire with fire and get the respect, the compensation and the repairs you deserve.

It’s a bird; it’s a plane; nope, it’s another hail storm and it’s coming right for your roof! There is no way to prepare your roof for another Minnesota hail storm. In most cases, all you can do is simply sit inside, watch from the window and bear the damage these monstrous white balls will cause. From broken windows to car dents, from scratched shingles to tree damage, after a hail storm your yard can look like a driving range gone wrong. And you haven’t even looked at your roof yet!

What to Look for in Hail Damage

There are certain signs that your roof has been negatively impacted by the hail storm. Be on the lookout for the following tell-tale signs that your roof has been a victim of a hail storm. If you notice these problems, take pictures of the damage for evidence used during your hail damage claim:

• Indented shingles, caused by the impact of the hail
• Scratched or cracked shingles, caused by the impact of the hail
• Tears in the shingles, caused by the impact of the hail
• Curled shingles, caused by the wind direction as well as the impact of the hail
• Loose granules in the gutters or ground, which is caused by the impact of the wind and affects the effectiveness of the shingles.
• Leaking in the attic or anywhere else
• Mold or mildew stains
• Gutter damage
• Siding damage
• Fallen structures on the roof including trees
• Broken windows or skylights

Hail Damage over Time

Your roof is not leaking; your shingles are all in place and there are no serious indents anywhere. However, your roof may still be damaged. Even the smallest cracks and problems in your shingles can lead to damage over time. A loss of granules can lead to sun damage while tears in your shingles can lead to moisture build up, mould and mildew. Many people who notice even the slightest amount of hail damage to their roof will contact a Minnesota roofing contractor right away for a free assessment of what is the best option. Replacing a few shingles now may save you thousands down the road. After all, the littlest bit of damage can lead to serious problems a few months later.

MN Hail Damage Contractor

The process of detecting and evaluating hail damage is confusing to say the least which is why your best estimate of the damage is often not enough. Contact a qualified Minnesota roofing contractor with experience in hail damage for a second opinion as well as advice on your next step. Brigley Roofing is an excellent place to start your journey after suffering through a hail storm.

There is no denying it – something needs to be done about your roof. You’ve put it off long enough but now there is nowhere else to turn. If you don’t do something fast, your entire family could be left living under a leaky, damaged structure. Roofs are like any other household structure- in due time, they will need to be repaired, restored or replaced.  Many of us will put off our roofing issues year after year in hopes that the problems will suddenly fix themselves but this is never the case. So, the big question is – what should you do about your roofing problems? There are essentially three different options. First of all, you can repair the damage; second of all, you can restore the structure; or, third of all, you can replace the entire roofing system. Either way, you are going to need an experienced Minnesota roofing contractor to get the job done right.

MN Roofing Repairs

The biggest advantages to doing roofing repairs and maintenance are that it is often the cheapest option. Roofing repairs can be done in less than a day in some cases. When it comes to proper roofing maintenance, it is a good idea to get an inspection done once a year to look at your gutters, your siding and your roofing structure. If there are any problems found, it will most likely cost a lot less to repair the small issues now rather than wait until they escalade out of a hand. However, keep in mind that regular maintenance and repair can only go so far. If you shingles or other roofing structures are completely falling apart, it might be because they have outlived their life span and it is time for them to retire.  A MN roofing contractor can determine if your roof needs a simple repair or something more drastic.

Restoring your Roof

Roof restoration is another option. You can save up to half the cost of a new roof with roof restoration. Furthermore, you can span the project over a number of years so you do not have to worry about a large up front lump sum. Advanced restoration technology can repair up to 50% of leaky low slop roofs and also provide you with minimal disruption. Unlike replacing your roof, restoration is a lot faster and provides less mess.  However, roof restoration is only for those roofing structures that are already in pretty good condition.

Minnesota Roofing Replacement Options

The final option is to go for the whole shebang and get your roof completely replaced. This is the best solution for those who are looking for a change in their exterior look or who are battling constant leaks and missing shingles. If your roof is over 20 years old, replacing it might be the best option. You will get 20 to 30 years of good use by replacing it and can be rest assured that your roof will be able to handle the upcoming winter seasons and all the havoc it brings.

No matter what option you choose, consult an experienced Minnesota roofing contractor for a free estimate and assessment of your roofing needs.

Commercial roofing projects often require a lot more time and dedication to the job than the average residential property. While some residential homes can be completed in a day or two, most commercial jobs will take a lot longer than this and require specific needs.

One of the biggest differences is the decision on what type of roofing material to use. Although commercial property owners want to make sure their roof choice looks good, there are also safety and price factors to consider. When it comes to choosing your commercial roofing material, you need to consider your location, durability, cost and customer appeal. Below we have listed some of the common types of commercial roofing material to help you make a more informed decision. Keep in mind that a Minnesota roofing contractor can answer any specific questions or concerns you have about the types of material that are not covered in the summary below.

Sheet Metal, Asphalt, Tile or Slate?

Sheet metal is one of the most common types of commercial roofing material for properties with a low-slope. The biggest plus for sheet metal is that it is very cost effective, especially in the long run. It can last anywhere from 30 to 50 years and can handle poor weather. Sheet metal options include steel, aluminum and copper. Copper is the preferred choice for commercial properties located in drastic weather locations as it is more durable and has a life expectancy of 100 years.

Asphalt shingles are another choice for your commercial property. Shingles are common in residential homes but they have a lower life expectancy (20 to 30 years) and can also be damaged by the drastic weather. You may need to replace or repair your shingles more often than you want.

Tile is another option for your commercial property and not only comes with around a 50 year life expectancy. The biggest plus for tiles roofs is that they are absolutely beautiful and can leave your commercial property aesthetically pleasing. They generally come in clay, rubber and concrete material.

A final option is slate shingles which is the best choice for energy conservative business owners. Slate shingles are the most expensive option but they can cut back on your energy bills and offer up to 100 year warranties. They are incredibly durable and may just be what your business needs.

Minnesota Roofing Contractor Advice

Do not take the roofing material decision too lightly. You should weigh your options, discuss the pros and cons in regards to the pricing and determine what would be the best for your business. A mechanic warehouse will have different preferences than a furniture store so consider what would be best suited to both you and your clients.

A Minnesota roofing contractor can help you assess the costs and provide you with more information about each type of roofing material. It is always important to get the opinion of the experts in the business, especially when it comes to something as critical as a roofing system.

Shingles, tiles and metal oh my! There are a variety of different roofing material options when it comes to replacing your current roof. So which is the right material on the market for your roofing needs? Below are some of the most popular roofing material and what you need to consider with each one:

Roofing Material 101

Asphalt shingles – these little puppies are one of the most popular types of roofing material on the market, especially for the steep-sloping roofs needed in Minnesota. Asphalt shingles come in organic as well as fiberglass material. Organic shingles have a Class C rating for fire resistance (Class A being the most fire resistant) while fiberglass shingles have a Class A rating. In either case, both types of shingles come in a variety of colors as well as styles including laminated grades, zinc or copper coated ceramic granules. Shingles usually last for 20 to 30 years, depending on the manufacturer and the weather.

Wood shingles and shakes – another common type of roofing material are wood shingles or shakes which are made from cedar, redwood, southern pine and other woods. Wood shingles are popular in the Midwest region because of the beauty they bring to any home. Wood shingles create a natural sheen to your home. However, make sure you look into the fire resistant level of the wood shingles. While some come with Class A, others have Class C or no ratings at all. If your roof was ever to catch fire, wood shingles would not offer your family and your belongings the protection you may need.

Tile – tile comes in either concrete or clay material and is considered one of the most durable of roofing material. Tile comes in several finishes and colors but is often best used on homes in the Southwest. It is also important to consider that tile is a heavy product and thus if you are considering tile for your roofing needs, make sure the structure can support the heavy weight.

Slate – slate comes with one big plus and one big minus. The plus? Slate is virtually indestructible, plus it comes in a number of colors and grades. The minus? It is also one of the most expensive types of roofing material and can require a longer application procedure.

Making the Roofing Material Choice

Price is one of the biggest factors when it comes to your roofing material choice but you also need to consider your overall aesthetic wants as well as the type of protection you want from your roof. Your roof will make a huge impact on the exterior outlook of your home and thus you want to choose something that is a combination of protection and good looks.

How a MN Roofing Contractor Can Help

A Minnesota roofing contractor can help you make this decision based on your budget and your housing needs. Not only do they have the experience to lay the roof, but they can also help you determine the best color scheme for your property and the best material for your needs.

It is your roof’s job to keep your family dry, safe and warm no matter what the weather is like outside. However, more and more people are noticing that their roof is not performing up to par, especially during the cold Minnesota winters. If you have noticed that your house is sprouting mould stains, missing shingles, blistering paint or attic leaks, then it might be because your roof is not doing its job. Below are some of the common roofing problems expressed by people as well as the possible causes for these annoying situations:

What’s the Problem?

Problem: Leakage in the attic. If you notice that your roof cannot handle those extra windy, rainy days, then the cause might be because of inadequate shingles. Your shingles are the first layer of your roof and protect the additional layers from any damage. If your shingle is peeling or breaking off during these wind storms, rain storms or ice build ups, then the rain can get underneath and cause damage. Another possible cause could be deteriorated flashing.

Problem: Blistering and/or peeling of interior/exterior paint. If you notice that your house paint is looking a little worse for wear, you might have your roof to blame. Excessive temperature o high humidity can both cause poor attic ventilation which can lead to paint problems.

Problem: Mold or mildew growth. If you notice unusual black or green stains on your ceilings or walls, even on the inside, then it could be a case of mould. Mould occurs when there is a buildup of moisture, often caused by inadequate shingling on your roof. If your shingles are peeling or missing entirely, the mould can be blocked in the roof and make its way into the interior of your house. Inadequate ventilation in your attic can also cause this problem.

Problem: Through the roof energy bills. We all complain about your energy bill but are yours especially high? It might be because your roofing system is not doing its job to keep the attic ventilated and the hot/cool air circulating smoothly. You may also have inadequate window sealing which can also cause cold air to sneak into the house during those frosty winters.

Problem: Missing cracked or curled shingles. Unfortunately, if you have noticed your shingles are started to ‘age’, then it is usually the sign that they are ready for replacement. Shingles can generally last for 20 to 30 years. Curling shingles often suggest the time has come to replace them.

Solutions to Your Roofing Problems – MN Roofing Contractor

If you are faced with any of the above problems, then the first step to take is to contact a Minnesota roofing company right away. A MN roofing contractor can determine the best solution which may include window replacement, roof repair or a complete and total roofing makeover.

Choosing any contractor can be a little overwhelming. After all, one look in the Yellow Pages and you will notice a whole slew of names. You want to choose someone that is within your price range but offers exceptional service. How can you know that by a simple advertisement? The truth is, you can’t. When choosing a contractor, you need to be on the lookout for certain aspects. Be on the lookout for the following:

Choosing a Roofing Contractor Checklist

Make sure you look for licensing. A license to operate, as well as the necessary bonds and insurance are critical for the validity of a MN roofing contractor company. Without this licensing, you really never know what you are going to get. You can ask for proof of insurance as well. Make sure their insurance policy includes liability insurance and be sure that the insurance is in effect for the duration of the job.

Check for testimonials. Testimonials are a great way to know that your MN roofing company is a good one. Many companies will offer testimonials on their websites but you can also ask around town and see what others have to say about their experiences. If you know anyone who just had a new roof installed, ask them what they thought about their service. You can also check online for MN contractor forums where you may be able to find discussions about Minnesota roofing contractor and hail damage experience. You can also check their track record by determining which jobs they have done in the past and calling these companies personally.

Check their financial stability. The last thing you want is a company that goes belly up half way through the project. You also want to make sure the roofing contractor is around for the duration of your warranty. One way to do this is to use a family owned and operated business which is less likely to go under. You can also check to see how long they have been in business for. Start-up companies are more likely to fail than those who have been established for longer than 50 years.

Choose a roofing contractor that is part of regional or national industry associations. This will demonstrate their dedication to the industry as well as their commitment to professionalism.

When discussing options with a contractor, make sure you feel comfortable and confident in their ability. You want to choose someone who is easy to talk to and who you have 100% trust in. This is usually not achieved until you have sat down and had a conversation with your Minnesota roofing contractor.

The Bottom Line on Finding MN Roofing Contractor

Choosing a contractor for any job, roofing or otherwise, comes down to personal preference and gut instinct. If you have a bad feeling about the contractor, it is best to listen to your gut. Choose someone you who can trust, who has the credentials, and most importantly, who you like as a person as well as a contractor.