Weather Damage Services in St. Louis, MO
Act as quickly as you can once the dust settles and make the call to one group with a full suite of weather damage services in St. Louis, MO. Severe thunderstorms and tornadoes are a fact of life when you live in the major markets we serve in Minnesota and Missouri. The first inclination of any homeowner after a storm passes is to contact their insurance company. Your home may have damaged roofing, siding, and even windows in need of immediate repair.
In the aftermath of a storm, the insurance companies are inundated with calls and claims from policyholders that have experienced weather- and contractor-related damage. Unfortunately, unskilled and unlicensed storm chasers cause a serious amount of damage as they attempt to make a quick dollar off of well-meaning homeowners.
You need to be prepared with a full accounting of the damage, in order to deal with the storm chasers and the insurance adjusters. No matter how understanding your insurance company may be, it is still a private business that is focused on settling claims as inexpensively as possible. Without a licensed and experienced roofer and siding specialist in your corner, you could find yourself paying the bulk of the recovery costs out of your own pocket. “Insurance companies didn’t get to be $15 billion and $20 billion (companies) because they give money away,” says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.
Storm Restoration Specialists
Make the call to our offices in Roseville, Minnesota, or St. Charles, Missouri, and schedule an immediate inspection of your entire home. We move as quickly as possible to serve your needs, but we will never rush through an inspection when the value of your home is at stake. Our detailed inspections allow us to provide you with a fair estimate that we will even help you defend if needed.
After a major storm hits, you are sure to be overwhelmed by roofers and other storm chasers that are offering to help. These opportunists flood into our communities and attempt to get you to sign what they call an authorization form. This sales pitch is designed to put you at ease, so that you can be sold a series of services that you may not need.
It is essential that you understand that these authorization forms are as valid as contracts in many states. The unscrupulous agent will tell you that they are only trying to help, but they are really trying to help themselves to your hard-earned money. The reality is this document is a formal contract. When you sign it, it obligates you—the homeowner—to allow the contractor to do whatever he wants. Including any repair work that your insurance company agrees to cover, for a price that the contractor and the insurance company agree on… and on which you have no input.
Governmental Warnings and Guidance
Choose a reputable company with a valid license for any hail inspection or other type of storm damage evaluation. The Missouri Attorney General and the Minnesota Department of Labor and Industry have initiated actions against companies that scam homeowners out of insurance payments without providing any work in return.
The following is an advisement directly from the Minnesota Department of Labor and Industry website:
“The problem with signing these documents (authorization forms) is that if a homeowner decides not to use that contractor, the contract probably contains small print (usually on the back of the document) that says that if a homeowner cancels the contract after three business days, they will owe the contractor a percentage (usually from 15 to 50 percent) of the total claim settlement. This is why it is so important to do the homework and check the contractor thoroughly before a decision is made to sign a contract.”
The Missouri Attorney General advises that you avoid contractors that demonstrate any of the following warning signs:
- Arrive in Unmarked Vehicles
- Ask You to Sign an Estimate or Authorization before You Have Decided to Hire Them
- Are Willing to Do the Job at a Very Low Price
- Offer to Pay Your Deductible or Offer You Discounts or Other Compensation for Hiring Them
- Only Have a P.O. Box for a Mailing Address
- Require Full or Substantial Payment before They Begin Work
- Will Not Provide a Written Estimate or Contract
- Will Not Provide a License Number Issued by the State of Missouri
- Do Not Have References
- Show up to Your Home Unsolicited
- Use High-Pressure Sales Tactics
Contact us in the aftermath of any storm and get effective weather damage services. We proudly serve customers in Roseville, Minneapolis, and St. Paul, Minnesota, as well as St. Louis and St. Charles, Missouri, and surrounding communities.