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Storm Restoration
& Hail Inspection

Storm Restoration & Hail Inspection

What Are You Going To Do
After A Storm Hits?

Emergency Repair

Emergency Repair

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Guide

Turn To Minneapolis And& St. Paul’s Roof Repair, Siding Repair, And Window Repair Experts When A Storm Damages Your Home.

HINT: Don’t Call Your Insurance Company!

I know what you are thinking: "Why in the world should I call EZ Home Solutions if a storm has damaged my home?"

Firstly, after a storm hits, you are going to be bombarded by what are called "Chuck-In-A-Truck" roofing contractors from Minneapolis, St. Paul, and all over. You know the type -- their office is their truck and their phone number is a cell. They will knock on your door after a storm and will offer you a "Free" roof inspection.

Now I am not saying that all of these “storm-chasing, chuck-in-a-truck” roofing companies that operate their business out of a “truck” are all bad. I'm sure there are some roofing contractors like this in St. Paul who really do have your best interests at heart. However, what I am saying is that a large portion of them are fraudsters. A simple query in a search engine can prove the validity of that statement. In fact, it has gotten so bad that there is even a reality TV show on Spike about catching bad contractors in the act.

The truth is you want to deal with someone you can trust. A company that is an established member of the community with an established record of quality home remodeling and repairs in Minnesota. Then you need to call and check with the Department of Labor regarding the status of the contractors' license: check how long they have been in business and if their license is in good standing. And most assuredly, call the Minnesota BBB (Better Business Bureau) and do a check by business name and personal name. A lot of these contractors will get a lot of complaints and then just shut down and open a new company with a different name.

Please make sure you perform your due diligence.

Now, as to why you should NEVER call your insurance agent first.

Simply stated: Insurance companies are going to send out an “adjuster.”

A claims adjuster is an individual--working for the insurance company-- that is going to try and nickel and dime your policy claim to death. The reality is that after a big storm, insurance companies are facing millions of dollars in claims. While these losses are due in large part to the actual damages suffered by homeowners; a large percentage of the claims are also due to the damage done by the "Chuck-In-A-Truck" storm chasing roofing companies in Anoka, Blaine, Apple Valley… you get the idea.. This is directly attributed to the shoddy repairs and outright fraud that they commit. It's why I mentioned them first.

Bottom Line: Insurance companies want to minimize their losses as much as possible--thus the claims adjuster arrives on the scene.

The problem you face? You are going to be hard pressed to argue and justify your roof damage or claim because you don’t have the knowledge, skills, or experience. You’re going to want to hire those Minneapolis-area roofing companies that make the best sales pitch out of desperation.

Adjusters are counting on your ignorance in order to nickel and dime you to death in order to reduce the amount of your claim as much as possible.

In fact according to MSN Money Insurance; "claims adjusters are trained to sniff out fraud. Some say they're also trained to mess with your head by":

  • Trying to get you to settle immediately (one company sends adjusters to accident scenes to offer checks on the spot).
  • Tricking you into compromising your case.
  • Coercing you to use a "preferred" repair shop.
  • Offering less than fair replacement value for repairs to your homes.

"Insurance companies didn't get to be $15 billion and $20 billion (companies) because they give money away," says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.

Let me be clear: This is not a "how to scam the system" op-ed (opinion-editorial), and I'm not saying that claims adjusters are all a bunch of crooks. But the simple reality is that it is their job is to settle the case as quickly and inexpensively as possible. It's OUR job to make sure you get a fair shake. Here's how: CALL US.

Do yourself a favor and let us help you by giving you a fair estimate as to the extent of the damage and the knowledge you need to defend that position with the adjuster. After all, the insurance company is going to want you to get estimates anyway, why not get one from us? A roofing company in Blaine MN you can trust – we will be there for you every step of the way.

ONE LAST THING—
NEVER SIGN ANYTHING FROM A ST. PAUL OR MINNEAPOLIS ROOFER UNLESS YOU KNOW EXACTLY WHAT YOU ARE SIGNING

PLEASE READ THE FOLLOWING:

'Authorization forms' are contracts.

A salesperson, or a "roofer" or “roofing installation company in Minneapolis” that we like to call a “Chuck-In-A-Truck,” may try to use high-pressure sales tactics or a “we are your friend” approach in attempt to get you to sign an “authorization form.” The explanations that they give are varied, all of which are aimed to lull you into a false sense of security.

Most often the “roofing contractor” in Eagan MN tells the homeowner that it is a form to help them so that they can contact the homeowners’ insurance company with your permission. Or that they need your “authorization” to conduct an inspection of the home to look for storm damage.

The reality is this document is a formal contract. When you sign it, it obligates you--the homeowner--to allow the roofing contractor to do whatever he wants. Including any repair work that your insurance company agrees to cover, for a price that the contractor and the insurance company agree on--and on which you had no input.

Here is a commentary right from the State Attorney General's Office of Minnesota; "The problem with signing these documents is that if a homeowner decides not to use that contractor, the contract probably contains small print (usually on the back of the document) that says that if a homeowner cancels the contract after three business days, they will owe the contractor a percentage (usually from 15 to 50 percent) of the total claim settlement. This is why it is so important to do the homework and check the contractor thoroughly before a decision is made to sign a contract.”

Here are some additional tips from the Attorney General that you should know:

Avoid roofing companies in Minneapolis or ANYWHERE that:

  • arrive in an unmarked truck or van;
  • ask you to sign an estimate or authorization before you have decided to hire them;
  • appear to be willing to do the job at an unusually low price;
  • offer to pay your deductible or offer you discounts or other compensation for hiring them;
  • only provide a post office box for their business address;
  • require full or substantial payment before work begins;
  • refuse to provide you with a written estimate or contract;
  • refuse to provide you with a license number issued by the state of Minnesota; Don’t accept the “we’re one of the top roofing companies in Anoka” answer. Nothing less than their state issued license # is acceptable.
  • refuse to provide you with references;
  • show up at your door unsolicited; or
  • use high-pressure sales tactics.

LET US HELP YOU – CALL EZ HOME SOLUTIONS TODAY.