Realities of a hail storm

2013 MN Hail Storm            Eden Prairie Hail Damage

The Minneapolis/St. Paul southern metro was recently pounded by a large hail storm. Reports had hail stones ranging from quarter sized all the way up to golf ball sized and a little bigger. Some estimates are stating that 50,000+ roofs were damaged and might need replacing.

So here are a couple realities of the aftermath from a hail storm:

– Storm chasers are out full force. They are knocking on your front door or are calling you at night. They are trying to get you to sign a “subject to” or “agreement” and will meet with your adjuster on your behalf. A “subject to” or an “agreement” IS a signed contract and you are LOCKED into that contract after your adjuster approves the repairs of any damaged items. Expect a 25% cancellation fee if you try to back out of the contract after your claim is approved.

– Storm chasers often hire anybody with a pulse to knock on your front door or call you at home. These new hires often have little to no experience in either the roofing business or handling insurance claims for homeowners.

– Storm chasers from out of state will often work under a local contractor’s building license. This is illegal but rarely enforced. Be careful of contractors with out of state license plates as most will tell you that they are local or the company they represent is local, which is really the half truth!

– Many local contractors will often over sell the storm by signing too many customers and then not have the ability to get all of the repairs done in a timely fashion. Some contractors often hire new “crews” to help with the work load. These new “crews” often don’t care about the customer or contractor they are working for, which leads to mistakes, which could be costly to YOU.

– Rebating or free deductibles are illegal. Yard sign fees, upgrades, or any other form of rebating your deductible is illegal and is considered insurance fraud. Most shady contractors only care about fast cash and will offer everything but the kitchen sink in order to get your signature. If something is too good to be true than it normally is. Insurance companies must receive a final invoice from your contractor in order for your insurance co. to release any depreciation or holdback (2nd check). Rebating deductibles usually involves a contractor submitting a false invoice to the insurance company so that all depreciation is paid. The law doesn’t protect homeowners who claim that they didn’t know that rebating deductibles was illegal. Ignorance of the law does not protect you.

Be careful who you choose. Here are a couple tips on where you can find a trustworthy contractor:

  1. Ask your friends, family and neighbors. Word of mouth is the best referral you can receive.
  2. Look in your local church or community bulletin or newsletter. Lots of local contractors advertise where they interact.
  3. Search the Web, or more specifically HomeAdvisor.com, Houzz.com or AngiesList.com. Here is where you can see online references from current customers like yourself.
  4. Go to BNIMN.com. This is a local business referral network in your own backyard. Search for your city and then find whatever business you are looking for.
  5. Verify every contractor by going to https://secure.doli.state.mn.us/lookup/licensing.aspx. This is the Minnesota Dept of Labor website and you can verify if the contractor’s license and insurance is up to date.

Stop cleaning out those gutters!

IMG_1711              IMG_1484

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

Ice dam removal before and after - Limitless Exteriors and Remodeling - www.lermn.com

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!