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Insurance Claim Assistance

If your property has suffered storm damage and is in need of repairs, call us today at 763-712-0757 and let us help you with the insurance claim process.

Excel Roofing offers:

  • Free estimates

  • Inspections on all our roofing and siding services

  • Appraisal process

  • Excel Roofing will also help you understand the insurance claim estimating process.


Excel Roofing cares about your home and your peace of mind. We will explain step by step how to submit your insurance claim.

Minnesota Insurance Claims Process

Here is how the insurance claim process works:

 

Step 1: CALL EXCEL ROOFING FOR A FREE STORM DAMAGE EVALUATION

 

Step 2: CONTACT YOUR INSURANCE COMPANY TO FILE A CLAIM

  • Inform the insurance company that your home was examined by a licensed contractor and damage was found

  • Describe the type of storm damage that occurred

  • They may ask you for the date of the storm

 

Step 3: INFORM US WHEN THE INSURANCE ADJUSTER WILL BE COMING AND WE WILL MEET WITH THE  ADJUSTER TO REVIEW THE DAMAGE TO YOUR HOME

  • Excel Roofing and the insurance adjuster will inspect your property together

  • Your insurance adjuster will submit a summary report (scope of work) that will be forwarded to you

 

Step 4: FORWARD A COPY OF THE SUMMARY REPORT (SCOPE OF WORK) TO EXCEL ROOFING

  • Your insurance company will send you a summary report (scope of work) that describes the damage and itemizes costs

  • Excel Roofing will negotiate with your insurance company, on your behalf, regarding any price or quantity discrepancies; your insurance company will update the summary report as needed. Forward a copy of any revised summary reports to Excel Roofing as they become available

 

Step 5: EXCEL ROOFING WILL MEET WITH YOU TO MAKE SELECTIONS

  • You select materials, colors and sign an agreement with us

  • Together we will discuss a start date that best fits your schedule

  • Once we receive the down payment, materials are delivered and the project usually begins within 48-72 hours of delivery assuming the weather cooperates

  • Excel Roofing oversees the process; the job site will be cleaned and inspected to ensure quality and satisfaction

 

Step 6: PAYMENT BALANCE AND WARRANTY INFORMATION

  • Excel Roofing provides you and your insurance carrier a copy of your invoice (or notice of completion) when our work is complete

  • Forward final payments to Excel Roofing once the job is complete. You may need to have your Mortgage Company endorse your insurance check; this should be done without delay

  • You are responsible only for your deductible and any agreed-upon upgrades

  • You will receive all applicable Warranty documentation upon completion of work and receipt of payment in full

Homeowner’s Insurance Deductible

Minnesota State Law

Why can’t we cover your insurance deductible? It’s the law!

 

Minnesota Statute Section 325E.66, Subdivision 1, ''a residential contractor providing home repair or improvement services to be paid by an insured from the proceeds of a property or casualty insurance policy shall not, as an inducement to the sale or provision of goods or services to an insured, advertise or promise to pay, directly or indirectly, all or part of any applicable insurance deductible or offer to compensate an insured for providing any service to the insured. If a residential contractor violates this section, the insurer to whom the insured tendered the claim shall not be obligated to consider the estimate prepared by the residential contractor." The residential contractor must provide a written notification of the requirements of this section with its initial estimate. The adjuster or insurer must provide a written notification of the requirements of this section in the initial estimate relating to the claim.

For purposes of this section, "residential contractor" means a residential roofer, as defined in section 326B.802, subdivision 14; a residential building contractor, as defined in section 326B.802, subdivision 11; and a residential remodeler, as defined in section 326B.802, subdivision 12.

 

Subd. 2.Private remedy.

 

If a residential contractor violates subdivision 1, the insured or the applicable insurer may bring an action against the residential contractor in a court of competent jurisdiction for damages sustained by the insured or insurer as a consequence of the residential contractor's violation.

Subd. 3.Public enforcement.

 

The commissioner of labor and industry shall enforce this section under sections326B.081 to 326B.085.

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