Residential FAQ

A:  Contact Storm Damage Crew. Whether you need a full property inspection, or repair estimates, we are a reputable, certified contractor who will work with your insurance company to ensure you are fairly represented. 

A:  Storm Damage Crew provides homeowners with no cost property damage inspections and no-obligation repair estimates. 

A:  It is always smart for homeowners to get three estimates from reputable contractors with insurance claims and storm damage repair experience.

A:  No.  Storm damage is almost always a named exclusion in manufacturer, homebuilder and contractor warranties, which are designed to cover problems with materials and workmanship, not storm damage, or factors beyond control. 

A:  The cost to repair your home can vary, depending on the extent of the damage, cost of materials and cost of quality installation by a reputable contractor. 

If you are filing an insurance claim, Storm Damage Crew are an experienced storm restoration contractor who is committed to quality workmanship and preserving your home’s value. 

A:  You should get at least three inspections or estimates if insurance will not cover the storm damage.  Insurance compensates home owners on a standard, fixed rate.  

Hiring Reputable contractors that specialize in repairing storm damage locally in Minnesota is advies to deal with insurance claims

A:  Peace of mind. If your home is damaged, you may have a short time to file an insurance claim. Since your insurance company limits the amount of time you have to file a claim it is important to get your claim approved and repairs scheduled as soon as possible. 

A:  If your insurance company is paying for your repairs, it is in your best interest to hire a contractor who will provide quality service, workmanship, materials and a good warranty. 

 A: Many contractors offer special programs to help homeowners limit out of pocket expenses. Ask your contractor about the programs they offer to help cover the cost of your deductible. 

A:  A contingency agreement typically includes two parts, an inspection agreement, which gives the contractor permission to request an inspection from your insurance company and a work-order agreement, which obligates you to use that contractor to perform your repairs if damage is confirmed. If you just want an estimate, you should only sign the inspection agreement. 

A:  The time you have to file an insurance claim varies by insurance company, but as a general rule, most insurance companies require you to file within 12-24 months. It is a good idea to contact your insurance agent, or an NSDC certified contractor for details on your specific policy.

A:  No matter how much you like your insurance agent personally, it is important to remember your insurance company is in business to make money. Get at least 3 estimates from reputable, independent contractors. Contractors recommended by insurance companies may have an incentive to save the insurance company money, at your expense. 

A:  You can request 3 separate inspections and re-file a claim that has been denied. Make sure your contractor is present during your next inspection. An experienced contractor can often help get your claim approved, even if it has been denied previously. 

A:  Yes. If your neighbors have storm damage and are getting their roof repaired or replaced, chances are very good you have storm damage as well. 

A:  You may notice small dents on rain gutters or air conditioning units, missing or bent shingles, washout (granules accumulating in gutters or downspouts), moist areas on your ceiling indicating leads, cracks or dents in windows or siding, shredded plants and flowers, leaves knocked off trees and dents in cars parked on the street. If any of your neighbors are having repairs done, chances are your property is damaged as well. 

A:  A hail hit on asphalt shingles looks like a dark spot, or bruise, where the roofing granules have been knocked away. In some cases you may find holes, cracking, or missing shingles on roofs that have been damaged by hail. 

A:  It can be difficult to identify signs of hail damage. Rely on a trained professional to perform a full property inspection and look for leaks, flooding, structural damage and serious issues. 

A:  The most common problems associated with hail damage are leaking water and flooding. Over time, water leaks through tiny holes in your roof and causes serious issues including water damage, mold and structural damage, including roof collapse. 

A:  If your home has been damaged by a storm and you are filing an insurance claim to pay for the repairs, there is no advantage to doing the work yourself. Hire a reputable contractor, with insurance claims experience that is committed to quality workmanship. 

A:  Yes. If you plan to sell your home in the future, it is critical to address storm damage issues immediately. Many homeowners are shocked to learn they have costly storm damage to fix, years after the time to file an insurance claim has expired. 

A:  The devastating nature of hail damage is you might not start experiencing problems, such as leaking, mold, or structural damage right away. But, because most insurance companies limit the time you can file a claim, it is important to get your roof fixed immediately, before your time to file a claim expires. 

A:  The purpose of your homeowners insurance is to protect your home against losses that affect the value, functionality and safety of your home. If your home has sustained storm damage, your insurance company will provide compensation to have your property restored to its original condition before the storm.