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Category: Roofing

5 Things To Know About Property Damage Insurance Claims

Insurance Claims Help
Our homes are everything. They hold our comfort, security, and happy memories. But sometimes houses get damaged by nature, accidents, and vandalism. When this happens, it can give people overwhelming frustration and grief.

If your home is damaged by fire, water, mold, or a storm, the stress from trying to get back to normal can feel like a whirlwind. The last thing you’ll want to think about is filing an insurance claim, but please don’t put it off.

One of the first steps you should take after your property is damaged is to learn what your insurance policy will pay for. Starting the insurance process immediately will help prevent further damage. It’ll give you peace of mind and help get your life back to normal as soon as possible.

Here are five things to know about filing an insurance claim after your home has been damaged:

1) Not all insurance policies are the same.

Policies can vary a lot based on the provider, coverages, deductibles, policy limits applied, and the level of property damage. It’s possible that you have insurance that covers everything from weather damage to system failure to destruction. Your insurance may even cover damage from animals and insects.

2) You don’t need to settle on a bad contractor.

It’s your right to demand and hire a fully-licensed contractor of your choice with a good reputation to help with the emergency cleanup and repairs.

3) You may begin emergency measures to protect your property from additional damage (and may be compensated for it).

The insurance company may not be liable for additional expenses if you fail to provide this initial protection. If it is safe and feasible, turning off the water source or moving furniture are just a few things to consider to help minimize damages to your property.

4) You may be reimbursed for expenses outside the coverage of your home damage.

For example, you may be able to receive reimbursement if you need to relocate to temporary housing during reconstruction, or if you need to purchase outside meals or if the facilities in your home are rendered useless.

5) If you have adequate coverage, you are entitled to be paid for the fair cost of fully restoring your home to its pre-loss condition.

Once again, this is based on your specific insurance provider and your coverage plan. Stay in touch with your insurance agent at least annually to assess your property value and to make sure that your coverages are appropriate for your home.

About UNGERMAN

UNGERMAN is a family-owned company providing full-service mitigation, restoration, reconstruction, and renovation. Our mission is to provide our clients with the highest quality of dependable services while carefully managing costs.

We will provide accurate estimates, clear communication, and efficient completion of necessary mitigation and repairs in order to complete projects successfully. Through this process, we will build a solid relationship between the customer, insurance company, and UNGERMAN.

We’ll Guide You Through The Insurance Process After Property Damage

When we arrive, our team will begin to clean up the damage and guide you through the insurance process. We’ll document the property loss and contact your insurance agent to review what type of damage can be covered by your policy.

We Are Committed To:

– Providing our clients with the finest restoration professionals in our area; people who take care of our customers like they are part of their own families.

– Helping our customers to make informed decisions by constantly keeping the lines of communication open and honest.

– Delivering expert knowledge and top-notch customer service throughout every phase of the project.

– Addressing your questions and concerns at any time because we are a team; we are your team.

If your property needs restoration, reconstruction, or renovation, fill out the form below!



3 Ways Your Roof Can Be Damaged

Two Men working on steep roof add new shinglesCome springtime, there are many chores to be done. Mowing the lawn, pulling and spraying weeds, cleaning out the basement, to name a few. Lives are busy, and it can be easy to forget about things that don’t require daily or weekly inspection. One aspect of homeownership that often gets forgotten is the roof.

Roofs are easy to miss without making a conscious effort to inspect them. We take them for granted because, usually, they can last about 20-30 years. Out of sight, out of mind might be the default approach a lot of people take, but maintenance is important to have a long-lasting roof.

Here are three ways your roof can be damaged:

Trees

These majestic towers of nature provide homeowners with multiple benefits. However, they can also cause damage to your roof. Be it from old age, strong wind, or wear and tear from animals, tree limbs eventually break off and they have to land somewhere.

If the branches land on your roof, it could cause some degree of damage. Lighter branches may cause simple wear and tear, while large limbs may deliver a large impact that needs immediate restoration.

Weather

Strong storms can wreak havoc on houses, especially roofs and siding. Wind, rain, and hail can rip up shingles and create holes. Here in Minnesota, ice can be a big problem as well. When water gets under the shingles and freezes, it pushes the shingles up and causes them to shift and break over time. Under the cover of snow and ice, this damage may not be noticed until warm a warm weather inspection.

There are ways to weather guard your roof, but sometimes the elements will deliver a lot of damage no matter how much you prepare. Check your roof after every major storm and after every winter for signs of impending issues.

Animals

Houses give us shelter from the elements and wildlife. When we’re cozy inside, it feels like we’re completely protected from animals. Unfortunately, your home’s exterior is still subject to every critter out there. Rats and squirrels build nests and rip up roof shingles.

If you’re consistently hearing scurrying and crawling noises from your roof, check to make sure animals aren’t causing damage. You might need to set up a trap or hire a service to capture any frequent pests.

About UNGERMAN

UNGERMAN is a family-owned company providing full-service mitigation, restoration, reconstruction, and renovation. Our mission is to provide our clients with the highest quality of dependable services while carefully managing costs.

We will provide accurate estimates, clear communication, and efficient completion of necessary mitigation and repairs in order to complete projects successfully. Through this process, we will build a solid relationship between the customer, insurance company, and UNGERMAN.

We Are Committed To:

– Providing our clients with the finest restoration professionals in our area; people who take care of our customers like they are part of their own families.

– Helping our customers to make informed decisions by constantly keeping the lines of communication open and honest.

– Delivering expert knowledge and top-notch customer service throughout every phase of the project.

– Addressing your questions and concerns at any time because we are a team; we are your team.

If your property needs restoration, reconstruction, or renovation, please contact us today!