Neighbor News
We take the challenge out of substantiating storm damage and filing your insurance claim
Filing an insurance claim for hail and wind damage can be daunting ... but it doesn't have to be
As if thunder, torrential rains, lightening, and high winds weren’t enough, destructive storms involve hail, which will cause extensive property damage. Hail damage to roofs, windows, and siding is common, but damage claims for insurance can be challenging to substantiate due to the elusive nature of hail damage. At NMC Exteriors & Remodeling we leverage our company experience and the latest roofing and weather technology to prove hail damage claims. Our insurance claims specialists work with you to make sure your damages are covered, even if your hail claim has been denied or underpaid by your insurance company. The adjuster from your insurance company may downplay hail damage repair even if you took pictures and video of the hail. NMC Exteriors & Remodeling suggests you have us verify the hail damage with you so you understand firsthand the long term effects of the damages. Below are some of the items we will document during our inspection. •Roof Damage – Hail stones will dent soft metals. Hail can be driven by wind causing wind damage at the same time. You may notice lifted shingles and/or missing shingles. Hail will damage asphalt roofing shingles and leave impact marks or bruised shingles. This will ultimately lead to roof leaks if not addressed. Another sign of hail damage is excessive loss of granules that can be found in the gutters and downspouts. You may also take not of damage to gutters and gutter guards. •Exterior Damage – Hail stones can cause stucco, paint and other coating to chip. Hail will cause aluminum siding, gutters, metal roofing and other similar material to dent. It is not uncommon to find vinyl broken after a hail storm. Our project managers will do a perimeter inspection of your home documenting your loss. Hail damage to asphalt roofing isn’t always obvious and can be hard to see due to the appearance of hail impacts on roofing systems. Hail impacts are nearly imperceptible and hail damage claims may be denied or dismissed by the insurance adjuster. Experienced or certified insurance adjusters know that a thorough hail inspection will often lead to loose granules, which compromise the integrity of the roofing shingles. Roof damage from hail ultimately becomes obvious, showing impact marks through the mat of the shingle. This may take a few years and by then too much time has passed for a hail damage claim. Fortunately, our project managers and property damage appraisers utilize the newest roof and weather technology to document these types of hail damage roof claims. If your home or business was hit by damaging hail, you owe it to yourself to get a professional second opinion. You will need an experienced and trusted hail damage contractor like NMC Exteriors & Remodeling if your insurance adjuster or company has claimed the damages are caused by age or normal wear and tear, has agreed to only replace portions of the roofing, or has completely denied any claim of hail damage. Call us today at 763-260-8537 to schedule a free, no-obligation inspection and price estimate for your home or business and experience the NMC Difference! #NMCDifference #PlymouthProud