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75% Off Installation Labor on GAF Asphalt Shingles, LeafGuard® Gutters, Infinity® from Marvin Windows.  No Payments Or Interest Until April 2023. We are also offering a free heat map analysis with insulation estimates through January 31st, 2022.
Jul 14, 2017
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Dos & Don’ts of Homeowners Hail Insurance Claims

Thankfully, most of us don’t often have to deal with filing a homeowner’s insurance claim due to storm damage.  However, the consequence of this is that when the need arises, the learning curve can be steep.  Having been in business over 40 years, we’ve helped countless homeowners with such claims and we’ve seen firsthand the consequences of failing to act appropriately after a hail storm.  Because life’s too short to make all of the mistakes yourself, allow us to share the dos and don’ts of homeowners hail insurance claims.storm

DO contact both your insurance company and a reputable contractor as soon as possible after the damage occurs.  This holds true especially if a large geographical area was affected as most contractors and insurance companies operate on a first come, first serve basis.  In the Midwest, where winter affects the ability to safely install a roof, this can mean the difference between getting your roof installed in the fall or the following spring.

DO arrange a time for you, your spouse, a reputable contractor and the insurance adjuster to meet to discuss the claim.  In cases where large geographical areas are affected, some insurance companies bring in adjusters from out of state.  It’s a lot easier for a contractor to voice any concerns with the adjuster’s findings face to face than it is to do so via phone after they’ve returned to their home office in another part of the country.storm damage roof

DO keep a copy of your homeowner’s insurance policy and carefully consider the coverage you need before purchasing.  Should you need to file a claim, have the policy handy so that you understand what you are entitled to in terms of compensation.

DO know that the manufacturer’s warranty on items such as gutters, roofing, and siding are typically voided if you experience hail damage and do not have the affected portions of your home repaired or replaced.

storm damage

DO NOT sign with the first company that comes knocking at your door offering to assist you.  Once massive damage occurs, storm chasing contractors from all over the country set their GPS systems for the affected area and start going door to door trying to sign as much business as quickly as they can by promising potential customers the world.  Oftentimes, they disappear before work has been finalized or perform sub par work that may not be evident until a couple years down the road when you have no way of contacting them again…if they are even still in business.

DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the scope of work that a contractor informed you needs to be performed  or properly compensates for premium improvements you have made to your home.  If the insurance adjuster’s amounts do not correlate with the improvements that need to be made, you have the right to hire an independent adjuster and submit their findings to your insurance company and ask for a new payout amount.  If these efforts do not produce results, you have the option to hire an attorney or contact your state’s insurance commissioner’s office to file a dispute with them.

hail to roof

DO NOT feel forced to use a contractor referred to you by the insurance company.  Oftentimes, their motivation is to complete the work as cheaply as possible, slightly the homeowner through subpar materials and shortcuts.  Hiring your own contractor means that their incentive is to satisfy you over your insurance company.

Get a Behind the Scenes Look at Storm Damage Repair Completed by our Team:

At Lindus Construction / Midwest LeafGuard® all of our estimators go through extensive training and possess the knowledge to identify storm damage to your home. We are able to help you work with your insurance company to get you home restored as soon as possible. We are a full service construction companies ready to help you with your storm damage needs.  

Browse Our Storm Restoration Projects:

Storm Damage Restoration Reviews:

"Lindus Construction recently installed a new roof, replaced my soffits/fascia and installed replacement LeafGuard® Gutters that were damaged by hail this summer. (My original gutters were installed in 1999!) I could not be more pleased with their work, professionalism and meticulous attention to detail on all aspects of the project. Even the flashing on the chimney looks 110% better than what had been previously done and is now caulked as well. I highly recommend Lindus and would definitely hire them in the future should a need arise! You will definitely not be disappointed!

Kimberly S.
Richfield, MN
November 30, 2020

"This year we had storm due to hail and our insurance company allowed us to have Lindus Construction replace our gutters and downspouts. They sent a crew out in a timely manner and swap out the old product. Very pleased with the attention to details and professionalism of Lindus Construction.  As a professional realtor since 1986, I have seen a lot of gutter contractors come and go. I always recommend clients talk with Lindus Construction and see for themselves the great value of the LeafGuard® product."

Greg S.
Lakeville, MN
November 21, 2020

"Our home recently sustained damage from a late summer hailstorm. Dealing with insurance and contractors can be stressful but Lindus made it pain free. They installed today during an unexpectedly heavy fall snowstorm. The guys worked hard and as usual they did an amazing job even in terrible conditions. I would recommend Lindus to anyone and I will be working with them again in the future."

Mauri S.
Bloomington, MN
October 20, 2020

"Just want to tell you our LeafGuard® gutters are still holding strong.  No problems for five years.  I've been sweeping, vacuuming to clean up seed pods and helicopters, but none in the gutters.  True mess in spring, leaves in fall, rain, snow, wind, or hail.  Runs clean without fail.  Nothing gets in, not even the squirrel's tail."

Darlene B.
Red Wing, MN
June 6, 2020

"After having LeafGuard® gutters installed by Lindus a few years ago we suffered hail damage in 2017 and went to Lindus not only for the gutter replacement but also for the re-roof. While re-roofing they identified and replaced several panels of plywood roof sheathing which over time had de-laminated. Beautiful job, thorough clean-up.  Since we went with LeafGuard®, we have not had any problems with leaves, pine needles and "helicopters" which previously filled and clogged our gutters."

Jerry H.
Stillwater, MN
December 8, 2018

"A few years ago we had Lindus install LeafGuard® gutters. We were happy with the crew and product. After the hail storm last summer, we hired Lindus to replace our roof and gutters. As owners of a historic home, we chose the 50 year GAF shingles. Rick Lindus provided project management and worked diligently at all times to make sure we were completely satisfied - and we are!"

Janene D.
New Richmond, WI
November 14, 2018
75% Off Installation Labor on GAF Asphalt Shingles, LeafGuard® Gutters, Infinity® from Marvin Windows.  No Payments Or Interest Until April 2023. We are also offering a free heat map analysis with insulation estimates through January 31st, 2022.
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