A. Been with Hoffman Weber for 15 years.
A. I stay within the Minneapolis area, but go out to the broader areas of MN when the need arises.
A. It requires a lot more knowledge and experience on the contractor’s end, knowing what you can get from the insurance company and what you can’t. Many contractors simply don’t understand all the complexities of the process, so they settle for whatever the insurance company offers. For us, that’s just a starting point.
A. They meet with the insurance adjuster before contacting a reputable contractor to inspect and document what’s wrong. Or they sign with a contractor that doesn’t have extensive experience with working with insurance claims. They may be a great contractor and do great work, but if they don’t know the nuances of working with insurance companies, the homeowner isn’t going to get the most benefit of their claim.
A. Not necessarily. If an adjuster misses damage or code-required details or specifies lower quality products, you might unwittingly agree to less than you really need and deserve.
A. Make sure you understand your insurance policy and your deductible cost if you were to file a claim. Some people have no idea and then they file a claim and have a deductible $5,000 or higher.
A. Height and steepness of the roof. Number of valleys and roof segments. Condition of sheathing under existing roof. Nearness of dumpster. How many layers of roofing must be removed. Permit fees in your town. Project size.
A. No. We’ll need part of that check for the down payment. Besides, we don’t want anyone to get into a situation they can’t pay the final bill because the money has been spent on something else.
A. It happens. We will document the additional work and submit a supplemental claim to the insurance company.
A. Contractors are not allowed to offer insurance advice. Contact your insurance agent and pose “what if” scenarios before disaster strikes. Specifically explore the difference between Replacement Cost Value vs. Actual Cash Value.
A. Yes, if you carry Replacement Cost Value coverage.
A. The new and old surfaces should reasonably match. If that is not possible, we will suggest total replacement.
A. You absolutely can spend a little more to make it a lot better than before. Take advantage of the outside help to upgrade your home. Turn a negative into a positive.
A. Sorry, we are not allowed to endorse insurance carriers.
A. No. That would be illegal as of August 1, 2010.
A. Not a problem
A. Our crews are our most valuable assets. We provide safety training and enforce strict policies on use of personal fall arresting equipment, proper footwear, and eye protection. We also verify that everyone is properly insured and a legal resident.