ERC Construction Inc – Bringing your home comfort in Woodbury
ERC Construction Inc. of Woodbury is a local roofing company with experience. We are licensed, bonded, and insured. Our staff is well-trained and offers our residential customers great roofing service. With ERC Construction Inc., you won’t have to worry about the changing weather affecting your home’s safety because we use only quality materials and employ trained professionals that are dedicated to ensuring your roof is in good hands. Call our team now at 612-850-6350 and set up an appointment with us.
DONT HESITATE TO GIVE US A CALL
Woodbury Roofing experts
Roofing experts are quite valuable in the event of a storm. You can call them up to come measure and assess the damage. They can also provide you with an estimate prior to the work being done, in order for you to know the costs. Not only do they repair roofs, but they also know what type of material is best for your roof and your climate. ERC Construction Inc., in Woodbury, is one of the leading roofing experts. We’ve been in the business for years and are dedicated to providing our customers with the best service possible. Get in touch with us now if you are interested in great roofing service.
Experienced, licensed, and INSURED
Experienced Licensed Insured Contractors ERC Construction Inc has been a growing construction company based out of Woodbury. We have always had an interest in being the best possible general contractor. Our experience and knowledge help us to efficiently complete our jobs under budget and ahead of schedule on every project we take on. Our skilled tradesmen elevate our work to the next level, for which we have been awarded numerous times. We are proud of our reputation and strive to maintain it in the ever-changing construction industry. ERC Construction Inc is here for all your building needs!
Home of the Industry Leading Lifetime Workmanship Warranty
When it comes to your home projects in MN, there’s simply no such thing as a minor detail. A local, reputable, & reliable home remodeling contractor is what you’ll need to accomplish this goal. That’s why attention to detail is a defining hallmark of ERC Construction. It’s why people choose us for their construction projects and refer us to family, friends, and neighbors to design, renovate, and improve their lives for remodeling and insurance storm damage projects.
DOES INSURANCE COVER ROOF DAMAGE FROM A STORM IN WOODBURY, MN?
For years, homeowners in Woodbury, MN, have wondered if their insurance would cover storm-damaged roofs. The answer, like most things related to insurance, is complicated.
Many factors can influence whether or not your policy will cover a roof damage insurance claim, and each situation is different. Here, we’ll go over the various factors that affect coverage and give you some pointers on how to claim roof damage on insurance, particularly hail damage roof insurance claims or wind damage to roof insurance claims.
What Kind of Storm Damage Are Typically Covered by Homeowners Insurance? You must first understand that not all storm damage is created equal. There are various types of storms, and each type can cause varying degrees of damage. Your homeowner’s insurance policy may or may not cover certain types of damage.
● Wind damage is the most common type of storm damage covered by a roof damage insurance claim. High winds, hurricanes, thunderstorms, and tornadoes all cause wind damage. A roof damage insurance claim will most likely cover wind damage to your roof.
● A roof damage insurance claim frequently covers hail damage to your roof. Hail, particularly the large amounts seen throughout Minnesota, can cause severe damage to a roof. Most insurance companies understand that failing to fix it can lead to additional problems such as leaks, rotted wood, and mold, and they will work with you to resolve the issue.
● Homeowner’s insurance typically covers rain and ice damage, lightning strikes, and fallen trees. While rain isn’t usually enough to cause much damage on its own, when combined with ice, wind, or hail, it can cause serious problems. The more rain and ice there is on a roof, the more stress it puts on it, which can lead to damaged shingles and roof leaks.
● Lightning strikes on a roof are uncommon, and most homeowners’ insurance policies will cover any damage they cause. Fallen trees are another common cause of roof damage, particularly in areas where severe weather is more common. Insurance considers these acts of God, and your insurance policy will usually cover any damage these events cause to your roof.
When You Can’t File an Insurance Claim for Roof Damage
In some cases, you will not be able to file an insurance claim for roof damage. The most common reason is neglect or poor maintenance. If your roof is in poor condition before a storm, any damage caused by the storm will most likely be considered pre-existing, and your policy may not cover it. Even if you’re hoping for coverage for something that insurance typically covers, such as a hail damage roof insurance claim or wind damage to a roof insurance claim, prior neglect of the roof may cancel that out.
Maintain regular roof maintenance and repair any problems as soon as possible to avoid missing out on insurance coverage when claiming roof damage.
Another reason you may not be able to claim roof damage on insurance is if the damage was caused by flooding or earthquakes. These types of damages are not covered by homeowners insurance, and you will need to obtain separate policies if you want to claim roof damage on insurance due to flooding or earthquakes.
Before filing an insurance claim for roof damage, carefully read your policy to understand what it will and will not cover.
Insurance Claim Criteria for Roof Damage
Now that you know what kinds of roof damage an insurance claim will cover, make sure you understand the criteria you must meet when filing an insurance claim for roof damage.
First, it is critical to understand that most home insurance policies have a deductible. Your deductible is the amount of money that you, as the homeowner, must pay before the insurance company begins to cover the cost of repairs.
Assume your deductible is $300 and the total cost of repairs is $4,500. The first $300 would be your responsibility, and the remaining $4,200 would be covered by the insurance company.
Your insurance policy will determine the amount of your deductible, so check with your provider to determine how much you would be responsible for in the event of damage. To file a roof damage insurance claim, you must prove that the damage was caused by a covered event. Your roof damage insurance claim will be approved if your proof is sufficient.
How to File an Insurance Claim for Roof Damage
● The first step in filing a hail damage roof insurance claim or wind damage to a roof insurance claim is to contact your insurance company and explain what happened.
● They will most likely request some basic information about the incident as well as any documentation or proof you have. Take photos or videos of the damage and gather other documentation that can help prove a covered event caused it. If they send a
representative in person, you may need to email them the documentation or gather it to hand off.
● Once they have this information, they will send an adjuster to assess the damage and provide you with an estimate of the repairs that will be required. The adjuster will get on your roof and inspect the damage to determine if your report is accurate.
● If all goes well, your insurance company will approve your roof damage insurance claim and send you a check for the amount of your claim minus any applicable deductibles. You can then use this money to pay for roofing repairs.
Be patient, as receiving your insurance claim check may take some time. In the meantime, you may need temporary roof repairs to avoid further damage. As soon as the insurance check comes in, you can pay yourself back for the immediate repairs.
When Should You File a Roof Damage Insurance Claim in Woodbury, MN?
Storm damage is one of the most common reasons homeowners in Woodbury, MN, file a roof damage insurance claim. In most cases, homeowners insurance policies will cover most of the damage caused by storms, usually hail or wind damage.
Before filing an insurance claim for roof damage, always check with your insurance company to see what is and isn’t covered in your policy. If you’re ever unsure about what to do to receive your insurance payout, our Woodbury, MN, roofing company is always happy to assist! Contact us today to get in touch with our team.
ERC Construction Inc specializes in roofing services including roof installation, roof repair, and roof maintenance. Our products include Asphalt, Metal, Cedar Shakes. We have certified and fully trained installers to do your job in the quickest, most efficient way. Contact us today to get your estimate started.
ERC Construction Inc specializes in every aspect of gutters from gutter cleaning, to gutter repair and replacement. Our products include seamless gutters, aluminum gutters. We have certified and fully trained installers to do your job in the quickest, most efficient way. Contact us today to get your estimate started.
WOODBURY WINDOWS & DOORS
We always use the highest quality products available on the market to ensure your home is protected against all weather conditions for years to come. Our products include PlyGem, Thermo Tech, Pella, Marvin, Anderson, and more. We have certified and fully trained installers to do
If you want to replace your old worn-out siding, we can help. We have a wide variety of styles and materials to choose from for all your needs. We have custom colors if you have a need to match an older style. Contact us today to get your estimate started.
ERC Construction Inc specializes in every aspect of decks from deck building, to deck repair and replacement. Our products include Trex, TimberTech. We have certified and fully trained installers to do your job in the quickest, most efficient way. Contact us today to get your estimate started.
From basic remodels to kitchen and bathroom renovations, you can rely on us for your needs. Our specialists will analyze the area that requires work based on your ideas and expectations. We also provide project management if needed so you are not caught off guard by additional charges.
aREAS wE sERVE
Experienced Roofing Contractors in Woodbury
ERC Construction Inc has been a growing construction company based out of Woodbury. We have always had an interest in being the best possible general contractor. Our experience and knowledge help us to efficiently complete our jobs under budget and ahead of schedule on every project we take on. Get in touch with our knowledgeable team today to learn more about what we can do for you.***
Your Minneapolis Roofing Partner
ERC Construction Inc specializes in residential roofing and remodeling of all types. We want to be your go-to contractor for any remodeling projects you have in mind, so please don’t hesitate to call us. We will be happy to answer your questions or help you with anything that we can. As a trusted business partner of Minneapolis Roofing, we want to build and maintain lasting relationships with all our clients.
WHY CHOOSE US?
GET IN TOUCH
Contact ERC Construction Inc today to learn more about what we can do for you. We are happy to answer any questions that you have, and put together an estimate based on your needs in order to find the best solution for your home. We look forward to working with you!