Read the Fine Print

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Many of the large insurance companies can make it very difficult for home and building owners to receive the maximum insurance funds in a catastrophe. Additionally, they will constantly move the goal post, re-writing their policy language. After you file a claim, insurance companies send out their inspection adjusters and you are notified of your final claim dollars. Often times building owners are in a situation where they need to negotiate with insurance companies and show evidence to get their full coverage on severely damaged exterior building products. I know this first hand.

Over the decades, after overseeing the completion of more than 50,000 roofs, I have seen insurance companies continually change claim coverage on crucial exterior building components. About 15 years ago my own home was hit by a horrific hail storm leaving nearly two inches of shingle granules in my gutters. Shingle granules are vital in preserving the lifetime of the roof by protecting the underlying asphalt from the sun’s harmful UV rays. This impact to my new 40 year shingles cut their life in half. I assumed my insurance company would cover such loss but they had discontinued granular loss coverage for some reason from hail damage. The news was quite a blow knowing that without granules the shingles will not last…period.

Through 40 years of field and personal experience dealing with hail and insurance companies, I have compiled a team to bridge the gap between building owners and the insurance companies. As a local engineering consulting firm it is our goal to help you in these situations and be your consumer advocate!

Storm damage is covered on your policy. It is my fear that all damaged pertinent materials should be replaced in order to protect your home long term and many times it’s not. Contact us, we want to make sure your home performs and is sheltered from the storm AND fine print.

Storm Damage

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The storm Tuesday night was one of the worst wind storms we have had in a while. Did anyone else feel like the wind was going to tear through their walls and bring their home crumbling down? I know I did. Weather Underground reported the wind gusts to be up to 60 mph in the surrounding Twin Cities area. It made for a very interesting drive to work on Wednesday morning.  Here are some of the photos I saw on social media newsfeeds alone.

tree on house

barn

home dmage

According to the Minnesota Commerce Department, if you have noticed shingles that have blown off your roof or trees that have fallen and caused damage, give your insurance company a call. “Minnesotans who suffered property damage from recent storms should contact their insurer as soon as possible.” Read the full article here to get some great tips regarding insurance and storm damage claims.

As your local engineering and consulting firm, we recommend that you attain a proper assessment. This step is crucial if you are thinking about filing a claim. Complete Building Solutions will provide you a written statement depicting the standard level of home product performance, the visible and underlying damages incurred, and any future problems that may develop. This statement will help you maximize your claim benefit to ensure a lasting home.

Give us a call today (763) 544-3355!

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FINE PRINT ALERT

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read-fine-print2

Many of the large insurance companies can make it very difficult for home and building owners to receive the maximum insurance funds in a catastrophe. Additionally, they will constantly move the goal post, re-writing their policy language. After you file a claim, insurance companies send out their inspection adjusters and you are notified of your final claim dollars. Often times building owners are in a situation where they need to negotiate with insurance companies and show evidence to get their full coverage on severely damaged exterior building products. I know this first hand.

Over the decades, after overseeing the completion of over 50,000 roofs, I have seen insurance companies continually change claim coverage on crucial exterior building components. About 15 years ago my own home was hit by a horrific hail storm leaving nearly two inches of shingle granules in my gutters. Shingle granules are vital in preserving the lifetime of the roof by protecting the underlying asphalt from the sun’s harmful UV rays. This impact to my new 40 year shingles cut their life in half. I assumed my insurance company would cover such loss but they had discontinued granular loss coverage for some reason from hail damage. The news was quite a blow knowing that without granules the shingles will not last…period.

Through 40 years of field and personal experience dealing with hail and insurance companies, I have compiled a team to bridge the gap between building owners and the insurance companies. As a local engineering consulting firm it is our goal to help you in these situations and be your consumer advocate!

Storm damage is covered on your policy. It is my fear that all damaged pertinent materials should be replaced in order to protect your home long term and many times it’s not. Contact us, we want to make sure your home performs and is sheltered from the storm AND fine print.