Storm Damage

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Call Us for a Free Inspection

Our goal is to bring clarity to the complex area of insurance coverage by educating you in the rights you have as a homeowner and what you qualify for.  If you think you may have damage to the exterior of your home due to a storm, call us for a free inspection with an experienced representative to determine if you qualify for insurance coverage.  We specialize in identifying storm damage and working with your insurance company to repair your home. 

Storm damage, in the insurance arena, is classified as an uncontrollable “act of god” – accidents caused by nature such as flood, hail, wind, tornado, etc.  When a storm damages your home, it can be intimidating to decide to file an insurance claim due to some commonly held misconceptions.

 

Beware of Common Misconceptions

 

My Premiums Will Go Up.

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Your premium was affected by the storm and is not affected by filing a claim. You already pay your insurance company to allow you to file a claim if you believe there may be damage to your home for any reason. They determine, after proper inspection, whether your investment qualifies for replacement due to the “storm related” damages.

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My insurance company will drop me if I file a claim?

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It would be against the law for your insurance company to do this. The legal term is “unfair settlement practices” as stated in sub division 4 of MN Statute 72.201

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Insurance is for emergencies only.

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Paying your premium every month is your “savings account” to cover these unforeseen events.  The insurance company invests your money, gaining compound interest, which allows them to increase financially to better serve you, the insured.

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Unfortunately these misconceptions, and others, deter many homeowners from filing a claim and maintaining the value on their home that their insurance covers.  If you don’t know your legal rights and what you qualify for, you could be missing out!  That’s why QUALIFIED REPRESENTATION is crucial.  An experienced contractor who knows how to look for legitimate damage and holds the insurance company accountable to give you all that your policy covers will ensure you have the peace of mind that the value of your home is being protected. 

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Call us today for a free consultation if there has been a recent storm in your area.