How Long Do You Have to File a Claim on Your MN Home for Storm Damage?
Imagine that a huge hailstorm just went through the Twin Cities metro area, and golf-ball-sized ice pellets rained down in a shower of ballistic fury. You were able to get all your vehicles and outdoor possessions in the garage, but your home’s exterior may have seen the worst of the storm.
Upon inspecting, you know you need to repair your roof to prevent further damage to your home, but roofing maintenance isn’t exactly in the cards for you right now. You know you’re entitled to compensation through your insurance company, but there’s a time limit.
Knowing how long you have to file a storm damage claim can save you major repair costs and a huge headache down the road, so our experts are here to weigh in. We help Minnesota homeowners and commercial property owners navigate the insurance process as part of our storm damage restoration services.
Whether you have obvious damage after a tree fell on your home or a suspicious leak after a storm, our team is ready to help! Here’s what to know about filing a claim for storm damage in Minnesota.
How to Tell If Your Home or Building Has Hail Damage
If it has hailed, your roof, siding, and other exteriors might have hail damage. Simple as that. Hail damage doesn’t always make itself known, but more often than not, the signs of hail damage can be obvious:
Water leaking from the ceiling
Loose granules on the ground or roof
Dents or cracks in your shingles
Black spots on your shingles
Some other ways to tell if you have damage include:
Shingles on the ground
Damaged HVAC system
If you notice any of these signs, it’s time to get your home inspected by a professional roofing company like Timberline Roofing and Contracting.
Get Your Roof Inspected ASAP After Severe Storms
You know the storm was bad, but you don’t really know how badly your home’s exterior got hit. Scheduling a professional roof inspection after a storm gives you and your insurance company a better idea of the damage.
Your inspector will check for broken or missing shingles, indents, pools of water, or loose asphalt granules. Your roofing company inspector will have the eye to find even the smallest amount of damage that can be either repaired or replaced.
After the inspection, you’ll have a financial bookmark of the damage the storm caused will make beginning the restoration process quick when it comes time to repair.
Hiring a certified professional to inspect your roof and provide insurance assistance can help make your roof restoration even more seamless because they’ll work with you and your insurance company on pricing and timing.
How Long Do Minnesotans Have to File a Storm Damage Claim?
Residents of Minnesota have a maximum of two years to file a claim. However, it is best to check with your insurance company right away to find out their specific timeline.
However, since Minnesota winters are especially brutal, you should consider filing a claim and getting your roof repaired or replaced right away. Going through winter with a damaged roof will cause you all sorts of problems, such as possible water damage and loss of insulation.
Additionally, the longer you wait to file a claim, the harder time you may have with your insurance company. Delayed claims could cause them to give you less compensation than what damage was truly inflicted.
On the other hand, if it’s early in spring or summer and the severe weather season just started, you may want to wait until later in the year. More severe weather may roll in, causing further damage. It all depends on the timing and severity of the damage as well.
Watch Out for Storm Chasers!
Storm chasers are individuals or companies who show up at your doorstep after a major storm. Be wary of these individuals. They could try to charge you more than necessary to get the work done. That’s why you should always try to work with a local roofing company.
Local roofing companies know the area where you live and understand its weather patterns and what kind of damage can occur. Plus, you can easily obtain a local company’s licensing information to ensure they’re able to perform their work in Minnesota.
Local companies also know your area’s building code, so they can make sure all repairs would pass an inspection if necessary. Trust in your local roofing companies to get the job done right the first time.
Timberline Roofing & Contracting: MN Storm Damage Repair
Timberline Roofing & Contracting has been a Minnesota go-to company for storm damage repair since 1998. Since Minnesota storms are frequent, it’s important for homeowners to know how to prepare their homes for a summer storm.
But damage can happen even with the best-laid plans in place. Don’t hesitate to contact Timberline Roofing and Contracting immediately to start work on your home’s restoration process. We can help you restore your roof to pristine conditions with our storm damage repair service along with our insurance assistance.
Call us at 612-284-5329 today or get a free quote online!