Written by Shawn Butterfield

“Do’s and Don’ts” of A Hail Damage Insurance Claim

“Do’s and Don’ts” of A Hail Damage Insurance Claim

If your home has been damaged by hail, exposure to the elements may greatly increase the amount of damage to your home. Many insurance policies limit your time to file a claim, so don’t wait until you have water dripping through the ceiling, mold in the attic, or your roof caves in to call your insurance company. At that point, it may be too late to file a valid storm damage claim.

Millersberg has seen countless homeowners fail to act appropriately after a hail storm.  Mistakes like that can cost someone thousands. Because life’s too short to make all of the mistakes yourself, allow us to share the dos and don’ts of homeowner’s hail damage insurance claims.

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

DON’T navigate the insurance claims process by yourself. Without experience, trying to file a homeowner’s insurance claim for hail damage can be lengthy, time consuming and very stressful. Furthermore, it’s not uncommon for insurance companies to offer low-ball estimates to homeowners who find out later it’s not enough to cover the cost of repairs. Make sure to choose a storm restoration contractor with experience in insurance claims like Millersberg to assist help you if you have to file a claim.

DO get a professional inspection by a storm restoration contractor right away. 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 north, 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.

DON’T call your insurance company first. A professional roofing company will be able to inspect your roof and assess any damages. This will prevent a claim being made on your policy if you don’t have any damage or if only small repairs need to be made and don’t warrant a full claim.

DO choose a storm restoration contractor. Because hail and storm damage can be hard to spot not any roofer may be up to the job of providing a valid roof inspection after a storm. The last thing you want to happen is to be told “your roof is fine” only to have hail damage cause leaks and costly repairs later because it was missed.

DON’T 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, using subpar materials and shortcuts.  Hiring your own contractor means that their incentive is to satisfy you over your insurance company.

 

Why Choose Millersberg?

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

Written by Shawn Butterfield

How Do You Know Your Roof Is Damaged After A Storm?

Many homeowners are not aware of hail damage on their roofs. Hail damage to rooftops often times cannot be seen from the ground, and that’s a big reason why the idea of hail damage hardly ever crosses a homeowner’s mind. Although you cannot fully determine the amount of hail damage on a roof from the ground, there are some signs that a trained eye can point out and help determine if there may be more damage up top.

  • Dents in gutters, gutter screens or downspouts. If metal or vinyl exterior features are affected, your roof is also likely affected.
  • Dents in siding or window sills. Look also at any other exposed metal surfaces, like metal fascia on the roof eaves for signs of hail damage impact, even if it looks like a faint ding.
  • Damage to decks or painted wood surfaces. If you see chipped paint, it may be the result of hail impact.
  • Sand or other roofing material in the gutter or downspouts. This is a sign of extensive damage to shingles, even when you are not able to see the harm done.

Keep in mind that some signs of hail damage might be difficult to spot. Without a close inspection, you might miss signs of damage. However, you should not give in to the temptation to climb up on your roof yourself to look. Not only could you injure yourself, but if you walk on your roof after the storm, you could have trouble getting compensation from your insurance company.

Instead, it’s better to contact a roofing company and your insurance agent for a damage assessment.

 

When To Get A Hail Damage Inspection

The trouble with some hail damage is that the harm is not always clearly visible directly after the storm has passed. Damage can take several weeks or even months to fully manifest. Unfortunately, many homeowners assume that their roof is fine after a hailstorm, and decide not to get an inspection only to be forced to deal with roof leaks and expensive repairs later on.

While it may take a few years for hail damage to get bad enough to cause leaks, most insurance companies have time limitations for filing a claim. This can leave homeowners footing the bill for costly damage that would have otherwise been covered by their insurance company. When it comes to your home, it’s always better to be safe than sorry, so don’t wait to get a roof inspection after a storm.

 

What You Can Expect When You Choose Millersberg

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

 

Written by Shawn Butterfield

5 Roofing Maintenance Tips That Will Save You Money

If you’re like most homeowners, you don’t spend too much time thinking about the condition of your roof. If it needed a major repair or, even worse a replacement, you’d probably think about it then! But replacing a roof can be a big financial hit while regular maintenance will cost only your time. Read on to learn some roof maintenance tasks you can do to prevent costly problems and save money in the long run by making your roof last as long as possible!

Install Proper Ventilation and Adequate Insulation.

This is among the most critical, and often overlooked, factors in extending the life of your roof. Without proper ventilation, a buildup of heat and moisture in your attic can lead to roof rot and diminished insulation efficiency. In winter months, a poorly ventilated attic is a key contributor to the formation of damaging ice dams. In short, properly insulated attic spaces allow your roof to perform as efficiently as possible.

Keep Gutters and Downspouts Clear.

Leaves, twigs and other debris can clog your gutter system, causing expensive water leaks in your attic and interior living spaces. If they are clogged, gutters and downspouts can’t channel water and snowmelt away from your home. You’ll also want to inspect your gutters for signs of damage.

Trim Your Trees.

While trees around your home can provide shade during the summer – they can cause damage to your home in the fall and winter if they are not trimmed back. The extra weight of ice to tree limbs can cause them to snap and break – and if they are long enough branches can damage shingles by brushing up against them.

Inspect Flashings.

Did you know that 90% of the time, a roof leak is the result of improper roof installation or defective metal flashing?  Roof flashing consists of metal strips installed where the main body of the roof meets up with the home’s siding, chimneys or skylights. Because many roof leaks begin at these connection points, check the flashings for holes, cracks, or other signs of damage or deterioration.

Perform Regular Inspections.

It’s a good idea to have a professional roofing contractor perform a routine inspection on a regular basis. Look for signs of damage on the roof surfaces, as well as in the attic and interior of your home. Small leaks or minor damage can often be repaired for little cost. Ignoring them, and allowing them to become major problems, can be a very expensive mistake.

 

Request An Inspection Today!

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

 

Written by Shawn Butterfield

Why Ignoring A Hail Damaged Roof Could Cost You

Why Ignoring A Hail Damaged Roof Could Cost You

If your home has been hit by a hail storm, and you don’t have an extra $21,204 laying around, you may want to consider getting a hail damage roof inspection ASAP.

After a severe storm, many homeowners are not aware of hail damage on their roofs. In most cases, hail damage to roof tops often times cannot be seen from the ground, and that’s a big reason why the idea of hail damage hardly ever crosses a homeowner’s mind.

Homeowners should always request a hail damage roof inspection after severe weather events to check for signs of damage. Not only will it identify potential costly issues, but it will also give you peace of mind that your home is safe. However, many homeowners wait or ignore hail damage which can end up costing them a lot more in the long run.

 

Hail Damage And Your Homeowners Insurance

Your roof is your home’s primary defense against the elements. Insurance companies understand how important a fully functional roofing system is which is one of the reasons why roof damage caused by hailstorms is covered by your policy.

Hail damage can take years to cause roof leaks and many homeowners put off getting an inspection or fixing damages. This is never a good idea. Here’s why:

  • When hail hits an asphalt shingle it often knocks off the protective granule coating. Once the granules are gone, the protective layer underneath is exposed to the elements.
  • The sun’s ultraviolet light will weaken the exposed spots and make them brittle. These exposed areas are very susceptible to leaks.
  • Once leaks occur, the damage can be extensive due to potential damage from mold, electrical issues, ceiling and wall damage from water and perhaps even personal property losses. The damage can also come very quickly and often is not initially detected.

While hail damage to your roof is covered by homeowner’s insurance policies, the additional damage caused by waiting to get repairs is not. Most insurance companies believe it is the homeowner’s responsibility to maintain their homes and take action to prevent leaks and subsequent damage. Therefore, if you wait until your roof is leaking to make a claim you could be footing the bill for all the major repairs.

Preventing additional damage to your home is one of the reasons why some (but not all) insurance companies have time limitations to file a claim. In fact, most policies state that claims should be filed “promptly” or “as soon as possible”.

 

Ignoring Hail Damage? Start Saving Now.

What would you do with an extra $21,204? Go on vacation? Go back to school? Invest it? The last thing you would likely think about doing if someone handed you a check for $20k would be to replace the roof on your home. Our advice to homeowners who have not scheduled an inspection after a hail storm, or plan on waiting for roof leaks to develop before filing a hail damage claim, is to start saving now.  According to Remodeling.com’s 2017 Cost vs. Value Report, that’s exactly how much the average roof replacement costs.

As we mentioned before, most insurance companies believe it is the homeowner’s responsibility to maintain their homes and take action to prevent leaks and subsequent damage. If you wait too long get an inspection, be prepared to pay out of pocket for any additional damage caused to your home. Furthermore, if your policy has a time limitation for filing a claim and you wait to get a roof inspection only to find out your roof is damaged you may end up having to pay for repairs that would have otherwise been covered by your insurance company.

When it comes to your home, it’s always better to be safe than sorry so don’t wait to get a roof inspection after a storm. Contact us today to learn more or to request a roof inspection.

Don’t pay out of pocket for damage that would have been covered by insurance.

Written by Shawn Butterfield

4 Reasons to Schedule a Yearly Roof Inspection

4 Reasons to Schedule a Yearly Roof Inspection

 

While your roof may seem structurally sound when you look at it from the ground, even the most solid looking roofs can have hidden damage and other problems. Roofs are always exposed to elements, making them prone to damage. Keeping them in top shape is crucial for maximum protection and comfort in the home.

To make sure your roof will perform its best, have professional and local Oklahoma City roofing contractor such as Millersberg Construction perform a routine inspection each spring. Doing so is a great long-term investment because it:

 

  1. Prolongs roof life – An in-depth inspection will allow contractors to assess the true condition of your roof. Based on our findings, we can suggest necessary solutions to ensure that your roof will have a long service life.
  2. Prevents water damage –When water seeps through the roof, it can damage other parts of your home such as foundation, walls, and siding. During a scheduled inspection though, contractors will check for early signs of water damage and make needed repairs to prevent further issues.
  3. Minimizes repair costs – Damage is perhaps inevitable for a roof because of its continuous exposure to elements. By locating damage before it gets worse, you reduce the need for costly repairs or replacement. You can save more money down the line.
  4. Makes your roof prepared for anything – Millersberg Construction will evaluate whether the roof needs a complete reroof, minor fix, or just good old cleaning. Once your roof’s back on top shape it’s pretty much ready to face any weather condition that comes its way.

Millersberg Construction can perform a comprehensive inspection to help you restore your roof in good condition. We check for the following issues during our thorough evaluation:

  • Discoloration on shingles, walls, or roof boards
  • Missing, loose, or worn shingles or tiles
  • Split or worn wood shingles
  • Rust or loose seams on metal roofing
  • Shingle granules in gutters
  • Loose or leaky gutters
  • Stains on roof deck
  • Mold growth
  • Blocked roof vents

Protect your investment by scheduling a roof inspection today! Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

Hail Damages Homes in northfield, mn area hail 5.16.17
Written by Shawn Butterfield

Hail Damages Homes In Fairbault, Cannon Falls Minnesota

Homeowners in Fairbault, Cannon Falls and other neighboring areas are seeing an early start to the spring storm season after hail damages homes during the storm on May 16, 2017.

 

According to the National Weather Service, the largest hail stone reported on May 16, 2017 was 1.5” in diameter – yet photos from social media users and local news stations show hail was  much larger in some areas.

 

How Large Does Hail Have To Be To Cause Damage?

After a storm, many people assume that if they don’t see missing shingles or visible hail damage, then their roof did not sustain any storm damage. That is not the case! Often, damage from hail cannot be seen from the ground level of a home and it takes a trained professional to spot it.

Did you know that falling hail stones can reach speeds upwards of 100 MPH? Imagine the damage large hail can cause to your roof at that speed! Many factors play into how much damage a hail stone may cause including the size of the hail, density of the hail, wind speed, and direction. The age of your roofs shingles, the type of shingles and if your shingles are impact-resistant can all factor into the severity of your roof hail damage. Damage to your roof’s shingles can compromise the effective life of your roof and even if not immediately visible and may lead to large scale problems if not identified in a timely manner. That’s why it is so important to schedule a roof inspection after each storm, regardless of the hail size.

 

Request An Inspection Today!

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction. Contact us today at 507-301-3626 to request a free, no-obligation inspection or use our online contact form!

Written by Shawn Butterfield

How Does Hail Damage A Roof?

The average hailstorm lasts only five minutes, but the hail damage does to property totals about $1 billion a year, according to the National Weather Service. When hail hits, it can damage the roof or covering of your home as well as other personal property, which is why it’s important to schedule a professional roof inspection after each storm to assess any damage!

 
Generally, hail damage on a roof can be seen as indentations and/or fractures on the shingle’s surface but can be difficult to see from the ground. Hailstones vary in size, shape, and hardness and can create a random pattern of dents or depressions. If this is not evident, look for indentations on metal flashings, siding, chimney caps, or even skylight flashings. After some time, clusters of granules may come off (at the point of impact) in a random pattern and expose the asphalt.

 

The most common types of hail damage to a roof include:

 

  • Granule loss at points of impact, which may be accompanied by surface depression. Loss of mineral granules as an immediate or gradual consequence of storm damage can lead to the asphalt coating being directly exposed to the elements. This may lead to accelerated aging of the shingle. Therefore, granule loss is NOT just cosmetic damage, and “sugaring” — the process of adding loose granules to damaged shingles with asphalt cement — is not a permanent solution.
  • Cracks in the granule-asphalt surfacing, which may radiate outward from points of impact. Cracks may be present especially if high winds blew the shingles back.
  • Exposed fiberglass mat, where hail shattered the granule-asphalt surfacing causing it to break away from the fiberglass mat.
  • Fractured fiberglass mat, which may or may not be immediately visible. A fractured mat may result in tears radiating out from the points of impact. Furthermore, hidden damage to the mat may later develop into cracks and tears in time as the shingles age.
  • Loosening of the self-seal strip. This damage may or may not be immediately visible and may weaken the seal integrity, creating the possibility of future shingle blow-off.

 
Because unrepaired hail damage to your roof will get worse over time, getting an inspection and repairing the damage is always the best idea and will help you avoid costly repairs.

 

How Soon After A Storm Should You Get An Inspection?

 
After a hail storm, check the exterior of your home for any obvious signs of damage including dents or cracks in your gutters. Should you see signs of damage, call for a professional inspection right away.
Spotting hail damage on roof shingles is much more difficult. In most cases, hail damage can be impossible to see from the ground level of your home. However, we DO NOT recommend inspecting your own roof for damage. Falls from roofs account for 1/3 of all construction related fatalities. The safest and easiest option for you as a homeowner is to schedule an inspection with a professional roofing company, like Millersberg Construction.

 

Think You Might Have Roof Damage?

 
Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction.

 
Contact us today at 507-301-3626 or use our online form to request a free, no-obligation inspection!

Written by Shawn Butterfield

Millersberg Construction – Dundas – My Roof Is Leaking

At Millersberg Construction, we know that there are often questions that you wonder about but may not have the answers. That’s why we are featuring the Millersberg Construction – Dundas FAQ

“My roof is leaking—do I need to have the whole thing replaced?”

Sometimes the scariest thing is not knowing, and for homeowners who’ve sprung a leak, are the photos and pictures that are lost when they are water damaged.

Depending on the size and location, you may not have to get a new roof.  However, you do need to get it inspected to see where the leak is coming from and how much damage there may be that cannot be seen.

Contact us for a free inspection at Millersberg Construction.

Written by Shawn Butterfield

Hail Damage for Monticello, New Ulm, Mankato

Storms are possible on Saturday and hail damage for Monticello, New Ulm, Mankato. A National Weather Service (NWS) says air temperatures in the metro area and other parts of the state including Monticello, Stillwater, New Ulm and Mankato will hit between 90 and 95 on Saturday, June 25. According to Bring Me the News, meteorologists are comparing the incoming storm system to one from July 14, 2010, which produced “several tornadoes” from Northfield into west central Wisconsin.

Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right roofing and siding professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Millersberg Construction.

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