Frequently Asked Questions – Minneapolis Roofing
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FAQs About Residential Roofing for Stinson Services
Q: What are the signs of a damaged roof?
A: Common signs include leaks, water stains, sagging areas, missing or cracked shingles, impact spots with no granules, and granule loss in gutters.
Q: How often should I have my roof inspected?
A: It’s recommended to inspect your roof annually or every other year. Older roofs or those exposed to extreme weather may need more frequent inspections.
Q: What types of roofing materials do you offer?
A: We provide:
Class III & Class IV Asphalt Shingles – Durable and hail-resistant
Composite Tiles – Lightweight with a premium appearance
Stone-Coated Tile – Weather-resistant with a natural look
Metal Roofing – Long-lasting and energy-efficient
Q: What is the average lifespan of a roof?
A: Factors like weather, maintenance, and material quality affect these estimates.
Asphalt shingles: 20-30 years
Composite tiles: 30-50 years
Stone-coated tiles: 40-70 years
Metal roofs: 50+ years
Q: Can you help with insurance claims for storm damage?
A: Yes, we guide you through the claims process, work with adjusters to ensure accurate assessments, and advocate for proper coverage.
Q: What is the difference between roof repair and replacement?
A: The differences are:
Roof Repair: Fixes specific issues like leaks or damaged shingles.
Roof Replacement: Replacement of all roofing material including underlayment. This is necessary when damage is widespread or the roof is nearing the end of its lifespan.
Q: How long does a typical roof installation take?
A: Most roof replacements take 1-2 days. Larger or steeper roofs may take up to 3 days, depending on weather conditions.
Q: What warranty or guarantee do you offer on your roofing services?
A: We offer warranties on both materials and workmanship, ensuring long-term performance. Terms vary by roofing material and service type.
Q: Do you offer financing options for roofing projects?
A: Yes, we offer financing plans to make roof replacement projects more affordable. Contact us to explore available options.
Q: Can you install a roof during winter?
A: Yes! Winter installation helps prevent shingle damage and offers safer conditions for workers. Shingles may initially appear wavy but will flatten as temperatures rise.
Q: Do I need multiple estimates?
A: Not necessarily. You can choose any contractor, and your insurance will cover the contractor’s costs regardless of the estimate. All you pay is the deductible. If a contractor is offering a cheaper price on an insurance job, the insurance company saves money, not the homeowner.
Q: Do I have to pay my deductible?
A: Yes. Deductibles must be paid according to the law to avoid insurance fraud.
Q: How does a deductible work?
A: You pay your deductible upfront. The insurance company covers the remaining costs and sends you a check to pay the contractor. Deductibles are listed in your policy. They can be a fixed amount or a small percent of your home’s value.
Q: Can my contractor attend the insurance inspection?
A: Yes. Stinson roofing experts can assist adjusters by accurately identifying damages to ensure proper assessments.
Q: How long will the insurance claim process take?
A: It varies from weeks to months, depending on the insurer and your communication. Stinson Services guides you throughout the process.
Q: What if the insurance company doesn’t cover the full amount?
A: We negotiate with the insurer to ensure full coverage. If necessary, we’ll help you request an appraisal.
