The Dodd Blog

Most homeowners policies cover tree damage to your roof, but tree removal limits and the wind and hail deductible decide what you actually receive. Here is what Fargo-Moorhead homeowners should know.

Ordinance or law coverage pays for code required upgrades like Class A fire rated assemblies, drip edge, and attic ventilation when a storm claim triggers a roof replacement in the Treasure Valley. Here is how to check for it and get it paid.

What an insurance adjuster does on a Fargo roof, why your contractor should be there, what to have ready, how supplements and reinspections work, and why it matters to finish before snow.

Your lender is on the check because it has a financial interest in your home. Here is how to get a hail claim check endorsed in Fargo and West Fargo without delaying your roof.

Hail dents metal roofs in Fargo more often than it punctures them. Here is what the damage looks like, when dents actually lead to leaks, and how a cosmetic damage exclusion changes your claim.

Ordinance or law coverage pays for code required upgrades like ice and water shield, drip edge, and decking when a hail claim triggers a roof replacement in Fargo or Moorhead. Here is how to check for it and get it paid.

Usually not. Freeze and thaw cycles turn bruised shingles into leaks over a Fargo winter, and waiting can weaken your insurance claim. Here is which hail damage can wait and which needs to be fixed before the ground freezes.

Most North Dakota homeowner policies require prompt notice and set a one year deadline to file a hail claim, some allow two. Here is how the clock works in Fargo, West Fargo, Moorhead, and Horace.

Fargo homeowners policies usually cover the interior water damage an ice dam causes, but not removal or prevention. Here is how these claims actually work.

Flat roofs in Fargo-Moorhead should be cleared based on weight and drainage, not depth. Here are the thresholds, warning signs and safe removal practices.

Hail season in North Dakota runs May through August and peaks in June and July. Here is how to tell if hail hit your address and when to book a pre season inspection.

Minnesota law requires repairs to reasonably match the rest of the structure, so undamaged siding can be covered after a hail claim in Moorhead. Here is how the matching rule works and how to prove your siding cannot be matched.

Storm chasers follow hail maps into Fargo within days. Here is how to check a license, spot deductible fraud, and read a storm repair contract before signing.

Uninvited door knocks, deductible offers, and same day contracts are the clearest signs of a roofing scam in Idaho. Here is how to vet a contractor before you sign.

Shingles around Fargo are rated for 110 to 130 mph in the lab, but roofs lose shingles in far smaller gusts. Here is what wind ratings mean and why edges fail first.

A roof claim in Idaho can raise your renewal, but storm claims are rated differently than at fault claims. Here is what actually moves your premium and when filing is worth it.

Wind and hail deductibles in North Dakota are often percentage based and much higher than homeowners expect. Here is how to find yours and what it means for a hail claim.

Most North Dakota policies pay replacement cost value on roof claims, but depreciation rules decide what you actually collect. Here is how ACV and RCV work after hail.

Hail that damages a Fargo roof usually damages gutters, siding, and window wraps too. What to look for and how to put it all on one insurance claim.

What Treasure Valley business owners should know about commercial roof storm damage, inspections, and insurance claims.