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.
Aug 09, 2013

Insurance Claim Process When Your Home Is Damaged In a Storm!

When your home is harmed in a hail storm, it is exposed to the elements that can increase the amount of damage to your home. Most insurance companies will limit the amount of time allowed to file a claim so a sense of urgency is of the essence. For starters, be wary of insurance companies that want you to use “approved” contractors, as they may have a financial incentive to save the insurance company money at your expense. Our best information that we can give you when in the face of storm damage to your home is to hire a reputable contractor who will represent your best interests. Remember….you have paid your homeowner’s insurance, so make sure you get the maximum out of your claim by reinstalling quality products instead of the cheapest.storm

Insurance Claim Process

There are so many things going through your mind after a large storm hits your neighborhood and it looks more like a war zone than a picturesque place to live. To make your insurance claim filing process a little easier here are six easy tips.

1) Record the date of the storm. Take pictures all the way around your home of signs of damage that you can see from the ground. Take the time to print off some news stories online regarding the storm hitting your area for proof.

2) Research three reputable construction companies to obtain three estimates or proposals. Ensure that you contractor is doing a full property inspection of your windows, siding, roofing, gutters, just to name a few.

3) Find your insurance policy and read it over carefully. After understanding your policy, contact your claims representative and inform them of your recent storm damage. Be sure to have all of your documentation such as pictures and articles ready to send them as well as the estimate you chose from the three reputable contractors.storm damage

4) Request your insurance adjuster be there the same day as your contractor. Your reputable contractor’s job is to ensure your insurance adjuster plays fair, and provides you with a fair assessment of your property damage.

5) Any type of damage to your home devalues it, so if you claim is denied, understand that you are entitled to meet with three insurance adjusters. Even a relatively small amount of damage to your home should result in an approved claim. Remember you pay your premiums every month!

Here’s How We Were Able to Assist This Twin Cities Homeowner After a Hail Storm:

6) When your claim is approved, your insurance company will send you two separate payments. The first payment is for the materials cost of your job. Once your job has passed a city inspection, you will have a change to approve the work done before making the final payment. Ensure that the work performed is done to your satisfaction and your contractor signs a lien waiver.

Keep in mind that most state laws prohibit insurance companies from cancelling your policy for filing and Act of God storm damage claim. Most of them also cannot raise your rates because of this clause either. If you insurance companies says they are going to raise your rates if you file a claim, they have to raise everyone’s rates in your area so don’t feel threatened by the phone pitch they might give you.

Browse Our Storm Damage Restoration Projects:

Storm Damage Restoration Reviews:

"Had Lindus re-shingle our roof this summer following a hail storm and while I don't know much about roofing I do know a lot about customer service and they were excellent. Easy to trust a company that is honest and dedicated to their work. I have also referred them to two neighbors who have also used them with equally satisfying results."

Howard J.
White Bear Lake, MN
December 10, 2018

"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

"We were extremely pleased with the professional and quality service provided by Lindus Construction when they replaced our hail-damaged roof and gutters. We highly recommend them."

Vicki G.
New Richmond, Wi
August 31, 2018

"Had my roof (shingles, soffit, fascia, and gutters) replaced by Lindus two years ago and am very pleased with the quality of their work. When hail came through a year later I called and they came out and did an inspection to make sure everything was OK.

Clifford L.
Red Wing, MN
August 31, 2018

After the hail storm our home needed a new roof and all new siding, window trim...the whole nine yards.  From the salesperson to the crew that was doing the work, all were all wonderful. Answered every question, got the work done on time ( and looks great) cleaned up after every day and when the job was done you would never know that they were there.  I would highly recommend Lindus Construction! We were very pleased with everyone involved with the company that worked with us.

Jaide S.
Osceola, WI
July 30, 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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