03/13/2026
A quick piece of HOMEOWNER ADVICE.
Don’t rush into filing an insurance claim until you really understand the situation.
Sometimes a claim makes perfect sense. Other times it can create more complications than people expect. In a lot of cases, it’s worth having someone take a look first so you know what your options actually are.
Insurance companies have also been getting a lot pickier about what they will and won’t cover. The last thing you want is to put yourself in a position where you’re forced to do work that may not have actually needed to be done.
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RECENT EXAMPLE
We were called out to look at a home in Brooklyn Park. The homeowner had filed a storm damage claim almost two years ago, and their insurance company recently contacted them saying the repairs needed to be completed or the roof would no longer be covered under their policy.
The roof itself was the problem. Because of the age of the shingles and the type of material, trying to repair it the way the insurance company requested carried a real risk of causing more damage than the original storm damage.
Before doing anything, we suggested the homeowner call their insurance company and review the details of their policy.
That’s when we discovered they had matching coverage.
Our team identified the shingles on the roof and confirmed they were no longer manufactured, which meant a proper repair wasn’t really possible.
Because of that, the insurance company approved a full roof replacement instead of a repair.
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THE TAKEAWAY
It worked out well for this homeowner, but situations like this are a good reminder that every roof and every insurance policy is a little different.
Before filing a claim, it’s worth knowing what you’re getting yourself into. Door-knocking companies are also very common in our area. While some may be legitimate, it’s still a good idea to slow down and make sure you understand the situation rather than assuming the worst thing that can happen is the insurance company just says no.
Taking a little time to understand everything up front can save a lot of headaches later.