Stop Filing Roof Claims Before You Understand Your Deductible
A hailstorm crosses your Twin Cities neighborhood, and calling the insurance company may feel like the obvious first move. Before opening a claim, check your roof claims deductible, document visible damage safely, and assess urgent conditions. Flat-dollar and percentage deductibles can produce very different costs.
None of that applies if water is coming in, materials are unstable, or your policy demands prompt notice. Move on those. Otherwise, one thing worth knowing …Read More
Wind vs. Hail Damage: What You Need to Know for Your Roof Insurance Claim
Wind and hail often arrive during the same Minnesota storm but leave different signs. Wind tends to lift or remove materials, while hail causes impacts. Knowing the difference can help you document a roof insurance claim without assuming what caused every mark.
A trained contractor can inspect the property, explain visible conditions, and outline repair options. Your insurer interprets the policy and determines coverage and payment.
Wind Damage and Hail Damage Leave …Read More
Everything You Need to Know About FORTIFIED Roof Discounts in MN
A FORTIFIED roof discount in Minnesota may be available when a new or retrofitted home earns an IBHS FORTIFIED designation that includes the hail supplement. The homeowner must provide the designation certificate to the insurer. Installing Class 4 shingles alone does not satisfy the full requirement.
FORTIFIED roofing adds construction requirements, third-party evaluation, documentation, and costs beyond a standard roof replacement. The system is designed to reduce vulnerability to wind, hail, …Read More
Minnesota Home Insurance Jumped 34%: What It Means for Your Roof
Minnesota’s reported insurance increase makes the condition and coverage of your roof more important to understand. The Minnesota home insurance roof impact can show up through higher premiums, larger storm deductibles, depreciated claim payments, or limits tied to roof age and condition. The exact effect depends on your insurer and policy.
Advantage Construction can inspect your roof, document visible conditions, and explain whether repair or replacement may be appropriate. We can …Read More
What Is the 25% Rule in Roofing Repair vs. Replacement?
Roof damage after storms often raises an important question for homeowners: Should the roof be repaired or replaced? Insurance adjusters and roofing contractors frequently reference something called the 25% rule in roofing when evaluating storm damage and repair options.
Getting a grip on how this rule operates can empower homeowners to make smart choices in the aftermath of severe weather. In Minnesota, where roofs face hail, snow, and freeze–thaw cycles, knowing …Read More