Many Minnesota and Wisconsin homeowners dread the thought of roof replacement due to the cost. But fear not, we’re here to tell you that a new roof may be much cheaper than you’d expect.
We’ve restored hundreds of homes from storm damage, and we’ve found that most home insurance policies will cover a roof replacement resulting from damage due to strong wind or hail. However, we’d like to point out that insurance companies typically won’t pay to restore or repair a roof that has been deteriorating from years of wear-and-tear or general neglect. Of course, you’ll need to check your policy, but take comfort from this section from Allstate’s website:
If a strong storm roars through, you may find your siding damaged by hail and shingles that the wind ripped off the roof. Homeowners insurance typically covers wind damage. Coverage also usually includes damage from hail, wind-driven rain or snow that gets inside the home when a roof or wall is damaged due to wind. Most policies also offer some coverage for fallen trees that damage your home, provided the tree broke because of a storm or wind.
Cheap Roof Replacement Option #1: Have NHH Roofing Plus Inspect for Storm Damage
Minnesota usually sits in the top 10 states for number of annual tornadoes, which you can read more about in a previous blog post of ours. And we didn’t forget about you, Wisconsin! In fact, in 2007, a EF3 tornado tore through a 40-mile stretch of forest north-east of Green Bay — and the path of destruction is visible from space!
All that to say… there’s a chance you may have storm damage on your home. It can take a trained eye to spot the damage, but it’s imperative to find the damage and fix it before it leads to deeper issues both inside and outside your home. If your neighborhood, town, or city has been subject to a major storm, give NHH Roofing Plus a call. Here are the 4 simple steps to getting your roof repaired via an insurance claim due to storm damage:
Step 1: Call NHH Roofing Plus
After a storm hits your area, homeowners should do a visual inspection. If you suspect your home has been damaged, contact NHH Roofing Plus to schedule a free inspection and estimate with one of our experienced project estimators. If your property loss warrants an insurance claim, our project estimator will advise you to file a claim with your insurance carrier. We will work with you to schedule a meeting with your insurance adjustor. Discovering storm damage on your home is never fun, but our team of expert contractors is here for you.
Step 2: Report an Insurance Claim
Find your homeowner’s insurance policy, as you’ll need to directly reference your policy number when contacting your insurance representative. You can either call or file your claim online at your insurance carrier’s website. This is a great time to ask about your deductible (if you are unsure how much it is). After filing a claim, you will be assigned a claim number and a claims adjuster. Note: it’s important to keep this information handy for future reference. This is also a good time to contact your mortgage company’s property loss department to notify them of the damage sustained to your home. Request a claim packet to be sent directly to you. This will help speed up the process of recovering your insurance proceeds.
Step 3: NHH Roofing Plus Will Work With Your Insurance Adjuster
Your home insurance company will send an adjuster to your home to inspect the damage. We’ll set up a meeting with your insurance adjuster to show them where we see damage. Once the insurance adjuster assesses the damages and approves your claim, you will be provided a claim summary detailing the approved repairs and replacement. This report will be the specifications for us to follow to repair your home. Let us know when you receive this report, as most insurance companies use predetermined prices (based on market analysis) for their estimates. We will work with your insurance company to ensure they are paying a reasonable market value for the work needed to restore your home.
Step 4: NHH Roofing Plus Will Restore Your Home
The experienced team at NHH Roofing Plus will obtain appropriate permits and schedule crews to come out and restore your home. We will schedule dumpster delivery and pick up and make arrangements with your local city inspector to ensure that the work is completed in compliance with your local ordinances.
Cheap Roof Replacement Option #2: Financing Is A Viable Option
If our expert inspectors and your insurance adjuster is unable to identify storm damage, but you still need a roof for renovation purposes or restore a deteriorating roof, we can still help. At NHH Roofing Plus, we want to help you finance your roof project, which is why we have customer financing options through Synchrony Financial. Whether you’re looking to replace your roof, windows, siding, door, or deck, we’re here to help. We offer several options, including 18 months interest-free.
We know financing your project is a big deal, so we offer multiple options that will fit your monthly budget. Get started by applying online, getting pre-qualified, and researching your options. Payments on your financed amount won’t begin until our work is done and you’ve signed our customer satisfaction form. Please feel free to contact our home renovation experts via email at of****@nh*****.com or call (763) 444-0405 for additional details.
*Financing is subject to credit approval. Minimum monthly payments are required.
When In Doubt, Contact NHH Roofing Plus
We’re always available to answer your questions. Our free 47-point exterior home inspections are stress-free and no-obligation, and they are the best option to get you moving toward a new roof. We’ve restored hundreds of homes throughout Minnesota and Wisconsin, and our number 1 priority to deliver uncompromising quality-of-work and service to protect your home for years to come.
If you’re ready to see how affordable a new roof can be, can give us a call at (763) 444-0405 or use the form below: