Living in Central Minnesota means dealing with unpredictable weather. From heavy snow loads to sudden summer hailstorms, the elements can be tough on your home. When the clouds clear and you notice missing shingles or leaks, the first thing you likely think about is the cost. At Boulder Creek Construction, we believe every homeowner deserves a fair shake when dealing with insurance companies. Understanding your rights under Minnesota law can be the difference between a patchwork fix and a professional restoration that lasts for decades.
The Power of "Like Kind and Quality"
When you need a roof repair in Elk River, MN, after a storm, you aren't just looking for a quick patch. You want your home to look as good as it did before the damage occurred. Minnesota law generally requires insurance companies to provide materials of "like kind and quality." This means if your specific shingle is no longer made, the insurance company may be responsible for replacing the entire slope or even the whole roof to ensure a uniform appearance.
This concept, often called the "matching rule," is a significant protection for homeowners. You shouldn't have to settle for a roof that looks like a checkerboard because the old shingles have faded or the manufacturer changed the style. Boulder Creek Construction works closely with homeowners to document these mismatches, ensuring the insurance adjuster sees why a partial repair might not meet the legal standard for your property.
Navigating the Claim Process Without the Stress
Filing a claim often feels like a full-time job. Between phone calls, inspections, and paperwork, it is easy to feel overwhelmed. That is why our team offers comprehensive insurance claim assistance. We start by providing a free inspection to pinpoint the exact extent of the hail or wind damage. Having a professional on your side during the adjuster's visit ensures that no hidden issues, like damaged underlayment or compromised flashing, are overlooked.
We pride ourselves on being a business that cares, and it shows in how we handle these details. Our project managers are there for you every step of the way. We can help file the claim on your behalf and pick out the best products to enhance your home’s protection. If the insurance company initially denies the claim, we don’t just walk away. We provide the necessary evidence and professional guidance to help get those essential repairs approved.
Why Local Expertise Matters
Choosing a local partner makes a big difference in the quality of your repair. Boulder Creek Construction was proudly voted the Best Roofing, Siding, Window, and Gutter Company by the Elk River Star News. We have over 50 years of combined experience right here in the Twin Cities Metro and Central Minnesota. We know the local building codes, like the requirements for ice and water shields, which are vital for our harsh winters.
We also understand that roof repairs are a significant financial commitment. To help take the weight off your shoulders, we offer 0% financing for qualified residential customers. This allows you to get the high-quality craftsmanship you need without immediate financial strain. From the first phone call to the final cleanup, we aim to make the process as seamless as possible.
Take the First Step Toward a Secure Home
Don’t let a recent storm leave your home vulnerable to leaks and mold. Your roof is the primary shield for your family and your belongings. If you suspect storm damage, you have the right to a professional assessment and a fair settlement.
Call Boulder Creek Construction today at (763) 200-6062 to schedule your free, no-obligation inspection and let our award-winning team protect what matters most!
