Nobody likes to wake up to their siding strewn across the yard—but unfortunately, Minnesotan winters are harsh, and storm damage of some sort is a regularity. Though you can ensure your siding’s longevity with a good installation job and proper maintenance, even this knowledge might not be enough to keep you from flying off the handle when stuff really gets crazy!
That’s why Tony’s Lifetime Exteriors is here to help. As a Sauk Rapids team of storm damage specialists, we’ve seen it all—and we know how to handle it all, and help our clients do the same. Below, we’ll discuss some immediate first-aid for siding that has taken a hit from a wild winter storm.
Once the temperatures have warmed slightly, the winds slowed, and the snow softened, it’s time to put on the winterproof boots and head outside to document the damage. Rest assured this serves a couple of purposes—not just to make you cringe! For one, it helps you and your insurance company get on the same page. Even though they may use a third party to take photos to avoid bias, having these photos on-hand will help you make sure that you get everything you want looked at assessed as it can serve as a helpful reference.
Secondly, photographs will help your storm restoration pro get a look at the damage. While they’ll of course do their own inspection (and be quite thorough at it!) it’s a good visual tool that can send your pro right to the specific area of your concerns.
Storms tend to present very specific types of siding damage; it’s helpful to know these archetypes so that your post-storm inspection is quicker. While you’re walking the perimeter of your home and looking for storm damage, keep your eye out for the three broad categories discussed below.
Cracks are just as they sound: long, horizontal splits in your siding. In fully wood siding types, they can be caused by having to endure one too many freeze-thaw cycles, hence why we don’t recommend entirely wood siding; try its much stronger cousin, engineered wood siding, instead. Learn more about it in our siding contractor blog “All you Need to Know About Engineered Wood Siding.” However, other siding types still occasionally experience this damage type as a result of poor installation or nasty weather.
Dents and holes rarely happen in the wintertime, as they tend to be caused by hail damage—but nothing is impossible, especially given Minnesota’s aptitude for extreme weather. Chips, too, tend to be a hail-damage thing; they’re bits of siding, usually in half-moon shapes near the edges, that snap off thanks to high impact.
Will you receive help from your insurance company to cover this loss? Your policy will tell you. Before going through the trouble of submitting a claim, it’s helpful to ascertain if that claim has a chance of being approved in the first place. Contacting your insurance company to ask about the hypotheticals is a great place to start. It only takes a few minutes and can save you a massive headache—not to mention a spat with your provider.
Generally speaking, when it comes to siding repairs, most homeowners insurance providers will cover storm damage that isn’t your fault, otherwise known in most insurance policies as an “act of God.” This, however, generally doesn’t cover any siding damage that might be a result of flooding (an all-too-common occurrence in Minnesota when massive amounts of snow melt).
After you file a claim for your siding damage, your insurance company will send an adjuster to your property to take a look. They’ll investigate the damage and make the decision on if your claim is covered or not.
As friendly as this adjuster may be, it’s critical that you have your potential storm restoration services help you to negotiate with your insurance company and make sure your claim gets approved. While it’s generally true that winter storm damage is covered in most policies, your storm damage repair company can help protect your interests, as well as lend an additional professional eye to the process.
Not all storm damage repair experts are willing to work with insurance companies; for the reasons stated above, though, it’s critical that you find a team that will. Luckily, you don’t need to go searching—you’ve found your perfect fit with Tony’s Lifetime Exteriors!
Our team of siding contractors and storm damage experts would be happy to serve as the go-between for you and your insurance company. We’ll strive to ensure your claim gets coverage. We understand that storm damage on its own is stressful enough; you shouldn’t have to worry about insurance loopholes or playing phone tag on top of it.
For a powerful team of pros that’s always by your side in a pinch, reach our Sauk Rapids storm damage repair office today at 320-252-9086.