The Dodd Blog

A wind and hail deductible is a separate, often percentage based deductible for storm claims. Here is how it works for Treasure Valley homeowners and how to plan before the next storm.

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.

Not required by law, but a pre-listing roof inspection in the FM metro protects your price. What it finds, when to file a hail claim first, and repair vs replace vs credit.

Yes, siding can be installed in winter in Fargo, but the material matters. Steel and engineered wood handle the cold well, vinyl needs careful handling. What a good winter siding job looks like in the FM metro.

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.

Steel siding is worth it for most Fargo, West Fargo, and Moorhead homes because it handles hail, wind, and deep cold far better than vinyl and lasts roughly twice as long. Here is how it compares on durability, dents, cost, and timing.

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.

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.

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.

How to choose a siding installer in Fargo: North Dakota licensing, hail ready materials, and warranties a local company actually honors.

Booking a free roof inspection in Fargo takes one phone call. Here is what we check, why late summer is the right time, and what happens if we find hail damage.

Vinyl lasts 15 to 25 years in the Fargo Moorhead metro, LP SmartSide 30 to 50, and James Hardie up to 50. Cold cycling and hail shorten the weakest materials.