►
Description
Storm damage can impact anyone, anywhere. Learn how to properly assess damage to your home following a storm and what your insurance will likely cover.
A
A
little
bit
about
myself,
jim
paul
with
paul
exteriors,
was
born
and
raised
in
bloomington
here
been
in
the
industry.
Since
I
was
15
my
when
my
older
brothers
started
paul
construction,
when
I
was
15,
he's
been
doing
it
for
about
30
years.
98
99
when
you
were
talking
about
is
when
we
started
the
paul
exteriors,
which
is
a
sister
company
of
the
paul
construction.
A
A
A
First
of
all
things
that
are
covered
by
insurance.
You
know
any
act
of
god,
tornadoes
hail,
even
the
straight
line
wins
the
last
few
years
that
we've
been
getting
and
what
happens
is
if
you
end
up
getting
a
say
with
the
hail
storm.
You
know,
the
roofs
are
kind
of.
Everyone
knows
the
roof's
covered,
but
a
lot
of
times
there's
going
to
be
gutter
damage,
maybe
damage
on
the
window
wraps.
A
Even
your
air
conditioners,
the
vents
in
there
can
get
dented
and
can
get
those
combed
out,
and
that's
all
things
that
should
be
covered
by
the
insurance
companies.
Sometimes
they
are
sometimes
you
got
to
fight
a
little
bit
to
get
them
covered,
but
we'll
kind
of
go
through
through
those
types
of
things
as
well.
A
So
if
you
feel
that
you
have
a
storm
that
created
some
damage,
you
know
the
one
of
the
first
things
you
want
to
do
is
call
your
insurance
agent
and
get
it
on
file.
And
next
you
want
to
get
a
hold
of
a
company
that
deals
with
storm
restoration
and
what
they
will
do
is
come
out.
Do
a
site,
inspection,
walk
around
your
house,
get
up
on
the
roof
and
to
get
a
roof
covered.
Each
insurance
company
is
different,
but
it's
usually
10
to
12
hail
hits
in
a
10
by
10
square
area.
A
A
You
know
the
easiest
way
to
tell
if
there
was
any
hail,
the
aluminum
vents
get
dented
real
easy.
So
those
will
be
the
first
things
we'll
check
when
we're
up
there.
If
there's
no
dents
on
those
odds
are
there's
no
hail
damage
anywhere.
Sometimes
those
will
be
dented,
but
the
shingles
won't
have
damage.
A
But,
like
I
said
what
I
do
is
I'll
get
up
on
the
roof:
walk
around
the
roof.
Whenever
I
see
damage
I'll
take
pictures,
so
the
homeowner
doesn't
have
to
get
on
the
roof.
When
I
come
down,
I
can
show
them
the
damage
it
was
found
and
then
we'll
walk
around
the
all
four
sides
of
the
house
too,
like
I
said
check
window
wraps.
Sometimes
you
can't
see
it
when
you're
looking
at
it.
A
What
we'll
do
is
take
a
piece
of
chalk
and
run
it
down
the
metal
and
it'll
leave
chalk,
except
where
the
dents
are,
and
then
the
dents
kind
of
stick
out
real
easy
too.
So
there's
some
ways
to
tell
that
you
have
damage.
You
know
where
the
naked
eye
can't
catch
that
damage
so
and
then,
once
the
insurance
adjuster
comes
out,
we'll
meet
the
insurance
adjuster
and
go
through
the
scope
of
the
work.
If
everything,
if
the
insurance
company
is
covering
everything
that
we
think
should
be
covered,
then
an
estimate
isn't
necessarily
required.
A
Ninety
percent
of
the
time
we
don't
see
eye
to
eye
on
all
the
damage.
So
then
an
estimate
is
required.
So
we'll
write
up
an
estimate,
give
that
to
the
insurance
company
and
then
we'll
kind
of
go
back
and
forth
and
deal
with
the
insurance
company
to
get
everything
covered,
but
the
way
they
write
them
up
is
a
little
confusing
for
the
homeowner
too
the
the
replacement
cost.
A
A
What
they're
doing
at
that
time
is
they're
holding
back
30
percent
of
it
and
that
the
way
they
write
it
up,
it
seems
like
you
might
not
get
that
money
back,
but
once
the
work
is
done
and
you
bill
them
in
full,
you
get
the
whole
100
coverage
of
the
roof.
If
you
ever
have
any
storm
damage,
the
only
thing
you
should
be
liable
for
is
your
deductible.
A
You
know
most
of
them
are
500
or
a
thousand,
but
once
the
work
is
done
and
they're
billed
in
full,
then
you
get
the
full
replacement
value,
the
actual
cash
value
they
deduct.
You
know
if
it's
a
10
year
old
roof
they'll
deduct
more
now.
Two
it
used
to
be.
The
checks
would
come
right
to
the
homeowner
and
you
could
deal
with
the
contractor.
Now
the
mortgage
companies
are
involved
as
well.
A
10
years
ago
the
jobs
would
get
approved,
they
get
the
check
and
some
of
the
homeowners
weren't
getting
the
work
done.
So
then,
when
everything
kind
of
flipped
upside
down
in
the
housing
market
they
had
a
claim
for
fifteen
thousand,
they
got
a
check
for
ten,
didn't
do
any
work,
and
then
the
house
dropped
twenty
percent
in
value
two
plus
it
had
work.
That
was
supposed
to
be
done.
So
that's
kind
of
the
reason
behind
why
the
mortgage
companies
got
involved.
It's
you
know
until
it's
paid
off,
they
own
the
house.
A
The
debri
depreciation
is
the
part
that
they
hold
back.
You
know,
but
most
the
time
when
you're
talking
about
depreciation,
you
don't
get
that
money
back,
it's
depreciated
and
it's
gone.
That's
where
it's
a
little
confusing
with
the
insurance
work,
because
the
depreciation
is
recoverable,
but
it's
not
recoverable
until
the
work
is
done
and
build
in
full
and
that
another
way
you
know
it
used
to
be
again
eight
ten
years
ago,
if
it
was
a
ten
thousand
dollar
job.
A
They'd
give
you
a
check
for
seven
and
if
you
found
someone
to
do
it
for
six
that
extra
four
thousand,
you
could
do
other
work
with
now.
If
it's
they
say
it's
ten
thousand.
You
get
someone
to
do
it
for
seven
and
that's
all
you
have
a
bill
for
they
don't
pay
you
the
other
three
they
cut
they
hold
on
to
that
money.
A
So
it's
it
makes
it
a
little
tougher
for
us
because
the
you
know
the
storm
in
98,
99
they'll,
say
well,
my
my
neighbor
had
work
done
and
he
got
all
the
work
done.
Any
you
know
had
four
thousand
dollars
left
over
that
he
put
some
new
windows
in
with
you
know,
and
so
it
creates
a
little
problem
for
us,
because
people
are
used
to
the
old
way
of
business,
which,
unfortunately,
you
know
now
that
the
mortgage
companies
are
involved.
A
A
Now
one
of
the
other
issues
is
a
lot
of
the
insurance
companies
are
raising
these
deductibles
to
two
thousand
or
three
thousand
dollars.
I've
even
seen
some
that
were
two
percent
of
the
house
value.
So
if
you
have
a
two
hundred
thousand
dollar
house
now
you
have
a
four
thousand
dollar
deductible
but,
like
I
said,
most
of
them
are
still
five
hundred
or
a
thousand
most
policies
are
written
up
to
a
replacement
coverage.
A
A
If
two,
you
know,
if
you
had
aluminum
siding
and
two
walls
got
damaged,
they
would
do
all
four
walls
because
it
they
wouldn't
match.
If
you
only
did
two
because
of
the
fading
of
the
siding
over
the
years,
they're
the
same
with
the
roof,
now
some
companies,
american
family,
they
have
a
match
policy.
I
think
it's
50
or
100
a
year.
A
If
you
don't
pay
that
match
policy
and
you
get
the
hail
damage
on
two
walls,
they're
only
going
to
do
those
two
walls,
even
if
the
color
has
faded
and
it
looks
totally
different-
they
won't
cover
that
anymore.
What
what
insurance
company
are
you
with
state
farm?
They
don't
have
a
match
policy
yet,
but
I
think
it's
going
to
be
coming
with
state
farm.
How
about?
I
don't
know
which
times?
A
B
A
A
You
know
so
the
the
definitions
and
terms
mean
a
lot
in
this
business,
but,
like
I
said
it's
one
thing
you
do
want
to
check
with.
I
know
state
farm
hasn't
sent
that
extra
one
out
yet,
but
I
think
it's
coming
soon.
You
know
most
of
the
big
ones
when
one
does
something
the
rest
of
them
fall
in
line
pretty
quick.
So
but
then,
like
I
said
once
the
job's
completed,
it
should
be
to
the
same
as
it
was
before
the
storm.
A
A
I'd
say:
80
percent
of
them
are
total
tear
down
and
rebuild.
You
know
because,
even
if
the
fire's
in
one
area
of
the
house,
the
smoke
gets
in
the
other
areas
and
you
can't
clean
them
out,
I
have
seen
some
where
you
take
it
down
to
the
studs
and
bleach
it
and
wash
the
areas
it
didn't
get
burnt,
but
I'd
say
60,
70
percent
of
the
time
it's
going
to
be
a
tear
down
and
rebuild
with
the
fires,
because
you
can
never
get
all
the
smoke
out
of
there
floods
and
water
damage.
A
A
A
You
know
once
you
pull
the
cabinets
out,
can't
you
reuse
that
countertop.
So
it
was
a
new
countertop
and
they
can
accumulate
pretty
pretty
quick,
but
again
it
should
be
covered.
So
when
you're
done
it's
at
least
as
good
as
it
was
before,
the
water
came
through
tornadoes.
Obviously,
wind
damage,
you
know
those
are
other
things
that
are
covered.
Hail
is
a
big
one.
The
last
10
15
years,
of
course,
bloomington
got
hit
last
year,
pretty
hard
earthquakes.
A
A
A
Smoke
detectors.
You
know
those
those
are
kind
of
standard
things
that
the
insurance
companies
want
in
the
house
anytime.
You
pull
a
permit
for
a
remodel
in
bloomington,
most
of
the
cities,
whether
you're,
putting
in
windows
or
or
a
kitchen
or
bath
remodel,
are
going
to
check.
Smoke
detectors,
make
sure
you're
up
to
code
anytime.
You
pull
a
permit,
and
the
insurance
companies
want
that
too.
A
So
again,
if
you
think
you
have
damage
the
first
thing
you
want
to
do
is
call
a
storm
restoration
company,
we'll
come
out
and
confirm
that
there's
damage
and
then,
like
I
said,
usually
the
next
step
is
to
meet
the
adjuster.
If
our
numbers
line
up,
then
we
go
ahead
and
start
the
work.
If
they
don't,
then
we're
going
to
do
a
detailed
estimate
give
that
to
the
insurance
company
and
we
kind
of
go
back
and
forth
the
nice
thing
to
the
homeowner.
A
A
They
may
do
the
job.
Everything
look
might
look
fine,
but
in
nine
months
you
get
a
leak,
you
try
to
call
them
and
the
phone's
disconnected
and
they're
kind
of
gone.
You
know
the
best
thing
for
a
consumer
to
do
is:
go
on
the
better
business
bureau
website.
They'll,
tell
you
how
long
they've
been
in
business
in
that
area,
whether
they've
had
any
complaints
and,
like
I
said
some
of
those
companies
do
good
work
and
you
don't
have
to
worry
about
it,
but
it
most
of
us
want
to
work
with
local
contractors.
A
A
And
then,
as
far
as
a
timeline,
a
lot
of
that
depends
on
the
whether
the
storm
company
agrees
with
the
insurance
company.
If
it
agrees,
usually
you
can
get
the
job
done
in
four
to
five
weeks.
If
they
don't
agree.
Sometimes
I
had
one
that
was
six
months
back
and
forth
with
the
insurance
company
trying
to
get
them
to
cover
what
should
have
been
covered.
A
So
it
didn't
even
start
for
about
six
months,
but
you
know
it
should
be
four
to
six
weeks
from
when
the
the
storm
hits
and
you
get
the
insurance
adjuster
out
until
the
work's
completed
you
know
and
if
it's
a
roof,
it's
only
a
couple
days,
but
sometimes
you
get.
You
know
I
had
a
lot
in
eagan
last
year
that
had
roof
gutters
windows
garage
door.
A
You
know
and
you
got
to
get
a
separate
garage
door
company
out
you
know,
so
those
are
the
things
that
it
wouldn't
be
four
to
six
weeks
of
complete
work
going
on,
but
you
know
from
might
get
the
roof
done
in
two
days
and
it
might
be
a
week
later
before
the
gutter
guy
comes
out.
You
know,
and
and
on
most
of
the
wind
and
hail
it's
exterior
work,
so
the
house
isn't
ripped
up.
So
here
it's
not
as
big
of
an
issue.
A
A
As
far
as
when
the
adjusters
come
out,
that's
kind
of
the
same
deal
with
these
big
storms
they're
going
to
send
in
adjusters
from
all
over
the
country,
because
you
know
I
know
american
family
last
year
had
in
the
first
two
days
they
had
8
000
claims
and
people
were
calling
in
claims
for
a
month
after
it.
But
if
you
get
these
guys
say
the
adjuster
comes
from
texas,
they
might
not
know
about
the
ice
and
water
that
we
need
up
here.
A
You
know
the
first
used
to
be
four
feet
needed
ice
and
water
paper,
which
is
a
thick
paper
that
glues
down
to
the
roof.
So
if
you
do
get
ice
dams,
they
won't
leak
through
the
roof,
but
if
the
adjusters
are
coming
from
texas,
they
might
not
know
about
that
code
and
they
won't
put
that
in
the
estimate
and
that's
one
of
the
times
where
you
got
to
go
back
and
forth
and
say:
no,
you
know
the
code
here.
A
As
far
as
when
you
get
the
the
check
from
the
insurance
company,
they
they
send
it
out
in
about
30
sheets
of
paper
that
confuse
most
homeowners
to
no
hand.
You
know
you
look
at
the
check
for
six
thousand,
then
you
look
down.
It
says
it
should
be
twelve
thousand
and
again
that's
where
they're
holding
back
until
the
work
is
complete,
but
then
they
they
itemize
everything
line.
By
line
to
how
many
nails
you
need
how
much
paper
you
know,
so
it's
it's
almost
impossible
for
the
homeowner
to
read.
A
I
spent
half
my
time
going
through
that
type
of
paperwork.
So
it's
you
know
kind
of
second
nature
to
me,
but
that's
one
of
the
areas
where
the
homeowners
kind
of
get
real
confused
when
they're.
Looking
at
this
going.
What
does
all
this
stuff
mean?
You
know
it's
got
200
here
they
gave
me
120,
they
are
holding
back
80,
you
know
and
again
I
don't
know
if
it's
it
almost
seems
like
they're
trying
to
confuse
the
homeowners.
A
A
One
of
the
things
that
happens
with
hail,
especially
in
minnesota
those
winters
with
this
much
ice
and
snow,
that
ice
and
snow
builds
up
on
the
roof
when
it
melts
it
might
take
more
granules
off
and
show
more
hits.
So
I
had
probably
four
or
five
customers
that
were
borderline
last
year
they
had
10
hits
and
the
insurance
company
wanted
12
hits
so
they
didn't
have
enough
to
cover
the
roof.
A
A
A
Sure
yeah
no
they're,
a
good
company.
I
know
I'm
familiar
with
them
there
right
on
county
road,
5
and
burnsville
parkway,
or
something
out
there
yeah.
I
got
a
couple
that
are
the
same
way.
I
couldn't
get
them
back
out
for
the
re-inspection
and
once
the
snow
comes,
they
won't
go
back
on
the
roughs
anymore.
A
A
Took
yeah
I
mean
half
of
the
city
seemed
to
get
it,
but
that's
where
a
bunch
of
these
companies
kind
of
showed
up.
I
mean
the
storm.
Chasers
came
in
from
other
companies,
but
I
first
started
doing
this
storm
work
right
after
that,
as
well
and
as
far
as
local
companies
there's,
probably
20
or
30
that
were
doing
that
type
of
work.
Now,
there's
200
or
300
of
them
and
well
there
was
probably
150
last
year
till
august,
then
by
september
there
was
250
of
them,
another
100
of
them
popped
up
out
of
the
woodwork.
A
You
know
again,
some
of
those
might
be
gone
now
come
this
spring,
but
it's
and
like
I
said
it's
with
these
cell
phones
and
po
boxes.
Now
it's
hard
to
tell
if
they're,
local
or
how
long
they've
been
in
business.
That's
why
getting
a
hold
of
better
business
bureau
is
one
of
the
best
ways
to
to
really.
A
A
Yeah,
it's
always
nice
to
have
some
referrals
too.
So
all
right!
Well
and
you
guys
got
my
pamphlets.
You
know
if,
if
you
need
me
to
come
out
and
inspect
anything
or
sometimes
you
know,
that's
the
next
step,
if
schmidt
and
the
insurance
company
still
doesn't
agree,
then
they
need
to
get
a
third
party
involved
to
come
out
and
kind
of
be
a
mediator
between
the
two
and
that's
pretty
rare
that
that
happens.
But
it
does
happen
third
party,
well,
the
insurance
company
and
your
contractor
are
supposed
to
agree
on
them.
A
You
know
it's
supposed
to
be.
You
know
you
don't
want
the
insurance
company
picking
and
the
insurance
company
doesn't
want
your
guy
picking,
you
know,
but
most
most
of
them.
You
know,
there's
a
certain
amount
of
these
roofing
companies
that
have
been
around
20
years
and
usually
they're
the
ones
that
end
up
coming
out
and
both
companies
are
okay
with
it.
You
know
and
like
I
said
it
usually
on
the
second
re-inspection.
A
Texas
yeah,
so
now
the
second
with
this
reinspection,
it's
gonna
be
a
local
guy
and
there
you
know
a
lot
of
times
those
end
up
going
through
on
the
second
inspection,
because
it's
a
local
guy.
He
knows
you
know
what
the
shingles
look
like
in
minnesota
without
hail
damage
and
what
they
do
with
hail
damage
so
and,
like
I
said
schmidt
like
they've,
been
doing
it
for
quite
a
while.
They
know
the
routine
too.
So
all
right!
Well,
I
appreciate
you
guys
coming
out.