Lindus Construction is the expert when it comes to storm damage repair and restoration in Minnesota and Wisconsin. We offer a complete one-stop-shop for all your after storm damage and hail damage needs. From removing down trees to repairing broken windows, damaged siding, hail damaged roofing and more, the storm experts of Minnesota will have your home as good as new in no time. Dealing with the aftermath of a storm and the damage it caused can be stressful and overwhelming. Make it simple by working with someone you can trust.
- Stay Safe: Don’t assume power lines are dead. If a tree fell on your house stay away from it & call the power company.
- Call Insurance Company: Report all damage to your insurance company as soon as possible to settle your claim more quickly & accurately.
- Prevent Further Damage: Protect your home from further damage & theft with temporary repairs. Place plywood, tarps & other materials over openings in roofs, walls & windows & keep receipts so you can submit them to your insurance company later.
- Be Prepared: Prepare as much information you can about the damage - structural & your possessions. Take pictures & make a list of everything you want to show the adjuster.
- Call Creditors: Notify any creditors of lost bill or if you are unable to pay. If your home is uninhabitable ask your utility company to stop billing you.
- Find Your Policies: Gather your homeowner's or renter's policy to prepare to file. Talk to your agent about what to do next.
- Find A Reputable Contractor: Take special care when choosing your contractor; check credentials with your local Better Business Bureau, inspect licenses & liability insurance. The Storm Experts are fully licensed and insured. We’ll only send our employees to your home. With over 35 years of experience & more than 60 thousand happy customers, you can trust The Storm Experts. But don't just take our word for it, check out our BBB ratings.
What to know & ask when storm chasers are door-knocking in your neighborhood!
- Make sure they are licensed in your city
- Inquire what city they came from
- Ask what other storms have they been involved in and research it online for fraudulent behavior
- Ask what contractor name are they using and working under
- Verify part by part any proposal you are given for a project at your home
- NEVER sign anything with a contingency
There are so many things going through your mind after a large storm hits your neighborhood and it looks more like a war zone than a picturesque place to live. To make your insurance claim filing process a little easier here are six easy tips.
- Record the date of the storm. Take pictures all the way around your home of signs of damage that you can see from the ground. Take the time to print off some news stories online regarding the storm hitting your area for proof.
- Research three reputable construction companies to obtain three estimates or proposals. Ensure that you contractor is doing a full property inspection of your windows, siding, roofing, gutters, screen, concrete & AC unit just to name a few.
- Find your insurance policy and read it over carefully. After understanding your policy, contact your claims representative and inform them of your recent storm damage. Be sure to have all of your documentation such as pictures and articles ready to send them as well as the estimate you chose from the three reputable contractors.
- Request your insurance adjuster be there the same day as your contractor. Your reputable contractor’s job is to ensure your insurance adjuster plays fair, and provides you with a fair assessment of your property damage.
- Any type of damage to your home devalues it, so if you claim is denied, understand that you are entitled to meet with three insurance adjusters. Even a relatively small amount of damage to your home should result in an approved claim. Remember you pay your premiums every month!
- When your claim is approved, your insurance company will send you two separate payments. The first payment is for the materials cost of your job. Once your job has passed a city inspection, you will have a change to approve the work done before making the final payment. Ensure that the work performed is done to your satisfaction and your contractor signs a lien waiver.
Keep in mind that most state laws prohibit insurance companies from cancelling your policy for filing and Act of God storm damage claim. Most of them also cannot raise your rates because of this clause either. If you insurance companies says they are going to raise your rates if you file a claim, they have to raise everyone’s rates in your area so don’t feel threatened by the phone pitch they might give you.