Ice Dams, Roof Damage & Other Winter Woes

During the winter months in Minnesota, with all of the ice and snow, many damages can occur to the home. And when damage does occur to your home, it’s important to contact insurance claims professionals you can trust. Our insurance claims professionals from Norcia can help you through every step of filing an insurance claim. We are insurance consultants serving Minnesota and the surrounding areas we are here to provide you with the help you (hopefully don’t) need this winter. 

First of all, there’s the roof damage. Roof damage insurance claims can be tricky. Some roof damage is always covered by a home insurance policy, while other roof damage is not. Most home insurance policies cover unexpected roof damage like hail damage, fallen debris and the like. If your roof was damaged in a storm, then your home insurance should cover the cost of repairing your roof to its pre-loss condition. To get professional repairs you can depend on, JTR Roofing offers top notch roofing and siding repair for area residents. 

 

Then there are ice dams. While once thought of as a problem with the roofing or ventilation, ice dams are actually caused by the presence of warm, moist air in the attic, combined with snow on the roof and the right weather conditions. Ice dams occur when heat gets into the attic and then melts the underside of the snow on the roof. This melted snow then flows down the roof until it reaches a cold spot like the eaves or soffit and forms a frozen dam where additional snowmelt and ice build up. Then, the ice buildup can back up under the shingles, damaging them and allowing water to leak into the ceilings and walls beneath. 

Don’t forget tree limbs. When heavy rains, wind or a falling tree limbs wreak havoc, your first step is to make sure everyone is safe and your home is safe to be in. Do not go outside if it is still storming out or if it’s possible tree limbs could still break and fall, even if you suspect your home or property has been damaged. Wait until the weather clears up and it is safe to venture outdoors. Damage to your home from fallen trees is usually covered under most homeowners’ policies. Most companies will pay to have trees removed from the damaged structure however not all companies will do so. 

 

Ready to learn more about our insurance consultants serving Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation. 


Getting the Insurance Claim Assistance You Need

In the event of a natural disaster or fire, do you know what your insurance will cover? Are you aware that every natural disaster is covered by homeowners insurance? Some insurance plans don’t cover earthquakes or floods. In many cases, homeowners must purchase separate insurance policies to help protect their home and belongings against those types of natural disasters. It may also be necessary to purchase additional coverages for better protection. Does this all sound quite confusing? Insurance companies are banking on it! 

 

At Norcia Insurance Consultants, we offer public insurance claim assistance for the Twin Cities and can help you make sense of your insurance coverage. It can be confusing trying to determine what is and is not included in an insurance plan. Our insurance claims experts are here to help clear things up so that you’re better prepared in the event of an emergency and insurance claim. 

 

While a typical policy comes with certain coverages, it is usually customized to meet each individual homeowner’s unique needs. There are a few basics covered by most insurance plans including windstorms, hail, fires, lightning strikes and more. Insurance plans are not one size fits all so your plan may only include some of these or even additional events. 

 

And, some homeowners insurance policies also may not include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence. Do you know what’s covered by your plan? Our insurance consultants can offer you the public insurance claim assistance you need and help determine what is covered and what is not. We can come to your home, talk to your insurance company for you, explain to you what is unfolding, clarify all aspects of the paperwork and go over your contracts. 

 

When you educate yourself and have the experts by your side, your chance of receiving the payout you are entitled to is raised. We will evaluate the damage, take pictures and video, analyze your insurance policy and to figure out how much money you should get. 

 

To get the help you need from professional, experienced insurance consultants, do not hesitate to give us a call. Our experts are here to help! To get public insurance claim assistance in the Twin Cities, call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to Schedule a Free Consultation.