Why are homeowners insurance rates keep going up???

I would venture to guess that a majority of homeowners in the Mpls/St. Paul metro area have had to replace their roof due to storm damage in the last 10 years. For every 10 roofs that we install, seven (7) of the roofs will be payed for by the customer’s insurance company. Some homeowners have even had to replace their roof multiple times in the last 10 years due to storm damage. So it comes to no surprise that our insurance rates continually rise each and every year. Insurance companies are tired of paying for new roofs caused by storm damage. Besides rising rates, some insurance companies have resigned to actually changing the insurance policy when it comes to storm damage. We’re talking about higher deductibles, actual cash payouts (ACV) versus replacement cost (RCV) payouts and even eliminating coverage for some metals (vents, valley, drip edge, wall flashing) that can be damaged by a storm. So as a homeowner, what can you do to combat this trend in the homeowner insurance world?

1. Read your policy. Call your agent and ask to go over some of the specifics of your policy pertaining to the exterior of your home. Make sure that you are covered and WITH the right coverage. Don’t go with an ACV policy just because its cheaper. Elect for the “matching” rider, which ensures a full replacement of damaged items instead of spot repairs. If you don’t have this rider, then your roof could be patched with different colored shingles if the existing shingles are no longer available. Same thing applies to siding and windows.

2. Check the NOAA web page for reported storm damage. The NOAA has professional weather “spotters” all over the metro area. If there is any wind or hail damage, these trained “spotters” will report it. If a contractor knocks on your door and tells you about a recent storm that could have affected your home, check this website 1st :

http://www.spc.noaa.gov/climo/reports/today.html

3. Call a contractor that knows more than just storm damage. Most storm contractors are in the business of getting homeowners to file insurance claims, regardless if there is damage or not. This forces insurance companies to raise rates to combat the extra cost of hiring adjusters to look at these bogus claims. A true “general” contractor doesn’t  rely on storms to stay in business and are more inclined to tell homeowners the truth on whether they have storm damage or not. This leads to fewer claims being filed and lower homeowner insurance rates.

These 3 easy steps will help keep costs down in the long run. Don’t fall for a smart mouthed door knocker telling you to file a claim for storm damage w/o calling your agent, or checking the NOAA webpage or talking to a true “general” contractor 1st!

 

 

Stop cleaning out those gutters!

              

Why you should call today and have us install gutter covers tomorrow:
1. Climbing a ladder or working off of a ladder is always dangerous.
2. If you fall and hurt yourself, you will have to file a claim with your health insurance company. Homeowners insurance doesn’t cover the homeowner from getting hurt on their own property.
3. Gutters can become clogged all year around. Some gutters need to be cleaned 2+ times a year.
4. Gutter covers can help with damage from ice dams.
5. It is one of the cheapest home improvements ($3-$10/labor & material) that a homeowner can do.

Gutter covers make life easier by freeing up time to do other things than cleaning out your gutters. Don’t take the risk, call a PRO!

Call today for some of the different options and how these options can fit inside your budget!

Ice Dams a Cometh

The winter of 2013-2014 has just begun, yet some are wishing it was over. Here in MN we just had some of the coldest temps in almost 20 years. As of today, 1/7/14, we have had 60+ hours of temps below zero (0). The forecast is finally calling for temps back in the 30s later this week. So what does that mean for ice dams?

Temps have been well below normal for almost the entire month of December 2013 and now into January 2014. Here in the Mpls/St. Paul Metro, we still have anywhere from 12-20″ of snow cover. Every roof in my neighborhood still has plenty of snow on it. Most gutters are thick with ice and I would guess that the downspouts are no help either. So what happens when the temps rise?

As soon as the temp outside rises above freezing, the snow on the roof tops will start to melt. Every roof is sloped so that water can drain off easily. But with ice dams on the eaves of the roof (the overhang), the snow that melts higher up has no where to go. Water runs down the roof and then hits a road block or ice dam. Gravity is responsible for moving water off the roof, but an ice dam will stop water in its tracks. Eventually water will travel up the roof and will try to get underneath the roofing shingles. Once that happens its only a matter of time before you start seeing water spots on your ceiling. So what can you do?

There are ways to help alleviate the problem of ice dams:

1. Check your attic for the proper amount of insulation. Ice dams can form when the attic is much warmer than the outside temp. Adding insulation will slow down the transfer of warm air from the inside the house up into the attic. When your attic is the same temp as outside, there is no direct heat to help melt the snow on the roof. In MN, building code suggests a minimum of an R-49 for attic insulation or anywhere from 16-20 inches of blown-in insulation. Spray foam is the absolute best form of insulation, but it comes with a hefty price tag.

2. Make sure you have proper ventilation in your attic. Proper attic ventilation needs both intake and outtake. Intake comes in the form of vented soffits/overhangs or gable vents and outtake comes in the form of turtle vents, power vents or whirlybirds/turbines. If heat is escaping the house and getting into the attic, then you must have good ventilation. The warm air must be vented out before it starts melting the snow on the roof which then causes ice dams.

3. Rake your roof after a snow storm. The overhangs/soffits (usually 2-3 feet up a roof) on the roof are usually unheated and this is the area where ice dams form. By removing the snow from these areas, ice dams will not have had a chance to form and thus any water will have a clear path off the roof.

4. Install heating cables. Once again, the best method of preventing ice dams is to prevent them from forming. By installing heating cables in the areas that have ice dams (soffit/overhang, valleys, front entries), all you have to do is turn them on when temps are above 30 degrees and watch the snow melt off.

5. Hire a professional to remove the ice dams. I would advise anyone to hire a professional for anything involving your roof at anytime. But adding water/ice/snow to a sloped roof can make things extremely dangerous. Hire a professional that has the expertise and equipment to get the job done while you are safe inside the home. Professionals will use either a hot water pressure washer or steamer to remove ice dams. Expect a price of anywhere from $150-$400 an hour for this service, with a minimum of 2-3 hrs. Other professionals will use hammers, chippers or shovels to remove ice dams. Expect anywhere from $25-$100 per hour per guy, with no minimum. Caution must be used when using hammers/chippers as to not damage the roofing shingles. There are projects out there that don’t always require a steamer/hot water pressure washer to remove snow/ice dams.

Limitless Exteriors and Remodeling is your full service contractor. We are here if you need a new roof, ice dam removal, spraying/painting a ceiling, attic insulation, and installing attic vents. We offer a free inspection and estimate for all customers. And remember that procrastination can only cost you more in the long run, so get us out now before those ice dams start leaking!