The Dodd Blog

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.

For most Fargo homes triple pane windows are worth it. What the third pane does in an FM winter, what it costs relative to double pane, and when double pane still makes sense.

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.

The three ways homeowners actually pay for roof replacement, how insurance deductibles really work, and what financing looks like in 2026.

Whether you have to use your insurance company's preferred roofing contractor after storm damage, and why you can choose your own.

What storm and hail damage roof repair costs in the Treasure Valley, what drives the price, and how insurance changes the math.

Why storm damage roof claims get denied, how to request a re-inspection or supplement, and how Dodd helps get denied claims approved.

The deadline to file a storm damage roof claim in Idaho, why filing sooner is better, and what you need to get started.

Whether your Idaho homeowners policy covers hail and storm roof damage, what is usually included, what is not, and how Dodd handles your claim.

Horace is newer, more exposed, and a magnet for storm chasers. Here is the pre-season roof check and the insurance reality for this fast-growing community south of Fargo.

Same storm as Fargo, different rules. Minnesota's matching statute often turns one slope of hail damage into a full roof replacement. Here is what Moorhead homeowners need to check before storm season.

Fargo is the biggest market in the FM metro and the most diverse when it comes to roof types. Older century-home neighborhoods downtown, mid-century neighborhoods on the south side, newer subdivisions north and west, and a heavy commercial corridor along 13th Avenue and University Drive all see storms differently. Storm season prep in Fargo looks different depending on which part of town the home or building is in. Here is the Fargo-specific breakdown of what to check, how to