All Metro Construction Services Inc.
Twin Cities Storm Damage Experts
When storms or hail hit, navigating your insurance claims can be confusing. We'll make sure you're covered.
Insurance Claim Specialists
Storm damage can happen at any time
Understanding the process of filing an insurance claim with your insurance company isn’t something you do every day. Unfortunately, filing an insurance claim isn’t a one-step easy process. If you aren’t experienced in filing a claim, it’s hard to know where to start! At All Metro, we offer a free, no-obligation inspection, to get you started in the right direction.
At All Metro CSI, we handle hundreds of storm damage and hail damage claims each year. You can be confident that our company has the experience needed to get the job done correctly. Our trained staff will guide you through the insurance claims and construction process from start to finish and have your project completed in a timely manner.
Guiding you through the entire Claim process
Many Customers Ask Us
Will filing an insurance claim raise your insurance rates to your current policy?
Our simple answer is NO! Filing a claim will not raise your annual rates! Storm damage is something the insurance company considers “Acts of God” and cannot be prevented. You were unable to prevent the damage and unable to predict or stop the damage, therefore, you are not held liable.
What Does Hail and Storm Damage Look Like?
Hail typically needs to be the size of a golf ball before it actually does extensive damage. Extensive damage can be:
- Breaks through your asphalt shingles
- Splits in your wood shingles
- Cracks in your tiles
- Dents in your metal
- Damages or cracks to your siding
Your asphalt shingles may also be ruined by having minor indentations caused by hail damage. For instance, brand new shingles that show minor indentations from hail damage are still considered ruined. A shingle designed to last 30 years will be ineffective in 5 to 10 years if legitimate hail damage goes unidentified.
Minor indentations are very easy to miss
It is common for insurance companies and contractors to disagree over the extent of hail damage to your property. As a general contractor, we will ensure that no damage is overlooked and that you will get the fairest settlement. Keep in mind that it may take several inspections to correctly assess the condition of a roof that has been marginally damaged by hail.
Our Promise to You
Ensuring a Fair Settlement
When a storm is deemed a catastrophe, most local insurance companies do not have enough local adjusters to handle the high volume of claims filed. When this happens, most major carriers will hire third-party adjusters known as IA’s or independent adjusters. These adjusters are hired as part of a catastrophe team.
Catastrophe Adjusters are from all over the country and are brought in to ensure that people affected by the storm are able to begin the recovery process in a timely manner. In most states, there is a time limit for insurance companies to respond to claims that have been filed.
During any large storm, most adjusters are assigned multiple claims and given time limits to respond. Unfortunately, many adjusters handle 8-10 insurance claims every day. They don’t always have enough time to ensure that customers receive the attention or full inspection that may be necessary. It is not uncommon to have multiple inspections before a final settlement is made with insurance companies. Because many adjusters are not local, they are not always familiar with local codes and ordinances that are required by your city.
All Metro Construction Services is fortunate to have ex-insurance adjusters on staff that have been through thousands of insurance claims. Every storm damage specialist that works for us has had hundreds of hours of on-site training to ensure that our customers receive a fair settlement. Remember, there are many factors involved while assessing storm damage.
Our storm damage specialists work with your insurance company to determine an agreed scope of the damage.
Even if you’ve had your insurance company out, we will perform a full inspection to make sure nothing has been overlooked. Once all damage has been discovered we work with your insurance company to reach a fair replacement cost price so that you may receive the best quality job, to return your home or business to its original state or better.