3 Reasons A Storm Damage Claim May Be Denied

Photo Credit: Javier Candeira

Photo Credit: Javier Candeira

Roofs all over the northwestern Minneapolis metro area are going to get hit hard this storm season. While many homeowners will have their new roof covered by their homeowners’ insurance policy, did you know that there are some situations that could result in a denied claim? In this blog, read about what to ask your insurance agent to ensure you’re covered before a storm hits.

It can be a confusing time when a homeowner suffers the misfortune of storm damage from high winds, a tornado, or hail. What makes it even more confusing is when a claim is denied when there is obvious storm damage. Here are a few reasons why an insurance carrier won’t cover the replacement of a new roof after a storm:

  • Age of roof – Some carriers place limits on the age of a roof they will replace.
  • Materials – Your roof may not be replaced if they don’t meet your carrier’s standards.
  • Existing damage – If there was already damage to your roof, carriers may not cover a replacement since that existing damage could have caused leaking or weak points.

If, after speaking with your insurance agent, you determine any of the above to be true about your roof, it’s important to work with a local, trusted contractor to replace your roof so that your policy will cover storm damage. The Chuba Company has been located in Elk River, MN since 1972. We are a full service contractor to the northern Minneapolis metro area with 140 years of combined industry experience. Here are just a few benefits to working with a local, professional contracting company:

  •  We have an A+ rating with the BBB
  • We are GAF Master Elite Contractors
  • We provide a Lifetime Workmanship Warranty
  • We have had the same roofing crew for the past 6 years
  • Our crew has completed over 600 roofs together

We’ll work with you through every step of the process should you need to replace an aging roof or encounter storm damage this year. We’ll come out to your house and provide you with a free storm damage inspection. If we find damage, we’ll work with your insurance provider to ensure the claim is handled properly.

Keep our information handy and pass it around your neighborhood so everyone you know is prepared when storm damage happens. Connect with us on Facebook and follow us on Houzz and Pinterest to view our recent projects and quality craftsmanship!