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When Storms Leave Damage....call Larson Home Services · Ask The Experts

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Eight oh seven thirteen ten Wi b A on a very busy morning here in
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Dane County, southern Wisconsin. What a night. It was a lot of
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damage and probably assessing some things and if you see some issues, we've definitely
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got a guy who's got some great answers for you. And Andrew Larson course
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comes to from Larsenom Services website Larsenom Services dot com. That's l A R
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S O N Home Services dot com delphone number six O eight five three five
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forty three forty three. That's five three five forty three forty three. Before
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we start talking about some of the uh wind damage and some other things in
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the weather. Something I've got to match. I heard some guy who talks
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really loud and really fast talking about not being able to do a lot in
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fifteen seconds, but being able to do certain things. And I know there's
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a younger generation that doesn't always like to pick up phones or talk on phones.
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When you go to Larsenomservices dot com, you can actually chat right on
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the website and if you've got to you know, whether you've got a concern
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about your house you want to quote or an estimate, you can do that
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right on the website, can't you. Andrew, and by the way,
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good morning, good morning, good morning. It was an eventful evening.
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And you know, typically when stuff like this happens, it's it's somewhat centralized.
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This wasn't this. There was a swath of extremely strong storm storms that
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skirted across the entire state. And you know, we have a we do
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have a localized storm team that we can kind of send to areas when they
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get Really, I wouldn't even know where to send them, is my point.
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Like it's it's pretty widespread. Not to mention we were already really really
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busy, but you know, there's hail in certain areas southwestern Wisconsin, Cobb,
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Livingston, Dodgeville, Platteville, all the way down to Debuke, and
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I heard Monroe, like Stoughton, reports of hail everywhere. But I think
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the more damaging issue is the widespread wind and possible tornadoes. Sixty to eighty
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mile an hour winds, pushes over trees, breaks off limbs, land on
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roofs. It's and honestly, when it comes to that sort of damage on
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a house, it's almost it can be devastating, but sometimes it's more almost
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an annoyance when you have to start dealing with insurance companies to get something fixed
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where a limb fell in a house or something like that, because they want
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to they don't want to pay for very much my pont. But look,
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this is stuff that we deal with all the time. We're not a storm
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chasing company. But what we're here to do is for want, first off,
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help our customers. Our people that are already customers, are already part
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of the Larson family or the Larson Kini Home Services family. If you have
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damage on your gutters, if you have damage on your roof, please reach
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out. If it is something where a limb fell on your house and you've
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got a hole in your roof, please reach out. We will get somebody
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out there asap to patch and plug that as good as we can so we
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can mitigate any further damage. And then we're there to walk you through the
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process of working with your insurance company. That's just it is something that we
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do. We don't you know, we don't go to other states and chase
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storms, but boy when it happens here, we want to help our customers
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and we want to help their neighbors. So the first thing I say when
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a storm like this hits, unless you've got like unless, I mean,
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there are going to be people that have holes in their roofs just because of
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that wind. Limbs are going to fall and they're going to do some crazy
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damage. We can do our best to get out there right away and do
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a temporary patch of some sort so we can mitigate or minimize the damage that
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may come from having an exposed hole in the roof. If we're talking about
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hail or lifted shingles from the wind, don't panic, don't freak out,
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you know, don't sign a contingency with the storm company that comes knocking on
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the door. Take your time, find somebody local that can help you.
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Because if it's a hail damage, unless it put a hole in your roof,
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it's not something that's going to start causing any interior damage until further down
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the road. And that's why when when people's homes get hit with hail,
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what actually happens is it breaks the fiberglass matting of the shingle, It cracks
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it. So then over time, what it does is it speeds up the
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wear process of those shingles. So on all of our asphalt shingles there's rock
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granules and that's what protects the actual asphalt or fiberglass matting. While if we
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crack or break that matting, the rocks all start to fall off. Now
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you've got a little spot on your roof with no granules, excuse me,
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and you've got crack matting. Now that will start to cause a leak.
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But it takes time. It's not something that you have to absolutely rush into.
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You can take your time, have a good, local, reputable company
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come out. If you're our past customer, obviously give us a call,
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because that way we can do the roof the exact same way we did before.
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If you have our gutters and they got wrecked from hail or smashed from
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a tree falling, call us. We can walk you through the process.
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There will be people knocking on doors trying to create massive urgency to sign up.
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Sign up, sign up, so you can get it done. It's
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usually not that severe that you need to rush into it and get it done
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immediately, So take your time and please reach out to it. Reach out
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to us. Today. We've got like we've got the army assembled to answer
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the falls this morning. That's awful. Number six so eight five three five
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forty three forty three. That's five three five forty three forty three. Make
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those phones ring at Larst Home Services this morning. The website Larsenhome Services dot
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com. That's Larsen L A R. S O N Home Services dot com.
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And again the telephone number six soh eight five three five forty three forty
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three. And Andrew, you bring up as always a very interesting perspective and
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something that maybe a lot of homeowners don't think about, is having hail damage.
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Is, as you point out, unless it actually pierced through the roof,
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I'd be more concerned at that point with a metia or something else.
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But if it was just hail damage, that is something that you have.
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I've seen hail that has actually went through shingles, like landed in people's living
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rooms. That's like apocalyptic. That's where a helmet takes a whole nother meaning
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it sure doesn't. And with that, so if you have that situation,
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definitely you've got to get get on the phone right now and get that taken
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care of. If you've got other type of damage, get on the phone
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with ours home services schedule at appointment. Because I think the thing that people
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need to real and you highlight this, Andrew is as there are people and
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they're going to be going door to door and doing other things. They are
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going to part of their technique of how they how they do things is they
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create like you've got to do this. Now you've got and they have you
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sign things and you end up in a contract and all these other things where
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it's really something that that we talk about the cost of a new roof,
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We're talking about something here that that's good, if done right, can last
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lifetime. If done wrong, can end up costing you. You end up
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paying more upfront and end up paying more in the long run as well.
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You really do want to take your time. And again, as you point
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out, Andrew, unless it's unless it's something that's that's you know, when
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you point out tree limbs and other things, you do want to just kind
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of have you know, your guys can come out, take a look,
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give them an assessment, and uh and work from there. It's not a
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pressure thing. It's not a do it now, do it today thing,
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sign on the dotted line stuff. Absolutely, And that's what you know.
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Professional storm chasers and I'm not saying that all professional storm chasers are bad because
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there's a lot of good ones and there's been a lot of great companies that
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have come out of just helping people with storm damage. But they're going to
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try to create a lot of urgency to get you to sign on the dotted
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line. And the bottom line is have somebody come out. If you have
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us come out, We're going to inspect your roof, okay, and we're
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going to do a full inspection, and we're going to show you that inspection
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seventeen point inspection as well as a video so you can physically see what's up
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there. We don't want you getting up there, let us do that.
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So once we show you that inspection and we're going to you know, we're
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going to see if we can find hail damage, if we can find the
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wind damage where you're going to need some repairs, and if it's worth filing
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an insurance claim. Because here's the deal. If people haven't noticed weather patterns
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have changed. You know, Wisconsin and Minnesota like never really used to be
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part of what I would call like the hail belt, and it's becoming a
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little bit. Stuff is moving further north. And I've had many talks with
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insurance adjusters, insurance companies, insurance agents, and the industry itself is kind
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of it's changing. Our area has been what I would call undercharged for insurance
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for many, many, many years because the lack of severe hailstorms. I
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mean, there's a lot of people on here that are sitting back shaking their
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head, probably going, yeah, you know, I'm paying like thousand,
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fifteen hundred dollars a year for homeowners insurance. I got a five hundred dollars
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deductible, never file a claim. That's changing and those days of having a
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twelve hundred dollars homeowner's insurance policy with a five hundred dollars deductible to get a
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full roof those days are leaving. Those are gone, And if you still
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have that might now might be a really great time to take advantage of it
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if you really do have damage. Because I've been seeing some letters going out
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to people where they're changing deductibles. They're actually turning into a percentage of the
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home value. My father just got one and it was going to a minimum
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of fifteen hundred dollars deductible or one percent of the value of your home.
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Well, nobody's homes in the Dane County area are worth one hundred and fifty
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thousand dollars. They're typically all worth closer to two fifty three hundred is going
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to be an average price. So now you're talking twenty five hundred to three
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thousand dollars deductible, and certain things are changing when it comes to insurance.
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There's there's actual cash value your what your loss is actually worth because they depreciate
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it. Ninety percent of all policies have then what's called recoverable depreciation. Meaning,
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Okay, your roof is worth twenty thousand dollars, but it's twenty years
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old, so we're only going to give you half value. We're going to
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give you ten thousand minus your new one percent deductible. You're going to get
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seven grand to replace a twenty thousand dollars roof, but you have recoverable depreciation,
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so when the work is done, we will give you another ten thousand.
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Okay, you're still paying your three thousand dollars deductible. The problem is
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is that most companies are getting rid of the recoverable depreciation if your roof is
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over a certain age. Because insurance companies have, for lack of better terms,
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they've just been losing their tail. They've been losing money and they're not
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in the business to lose money. So I don't want to scare anybody,
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but things are changing and I want everyone to be cognizant of that, everyone
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to be aware of what their policy actually reads. And if you don't know,
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because honestly, who even opens mail from that insurance company. Let's be
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honest, like that's right into the recycling bin and that's the problem. Oh
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it's insurance, a whatever, don't care as long as it's not a bill
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whatever. Know what it says, and we can help you read through that
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language, because sometimes it's very hard to understand. But we have had some
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disappointing conversations with customers over the past six months where they had significant damage come
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to realize they weren't even going to get half what it was going to cost
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to cover that damage because of their policy changing, and they didn't even know
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because they probably threw a letter away or didn't read an email. And unfortunately,
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that's all the insurance companies have to do is send you a letter and
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it's your job to read it. It's important that you get what you deserve,
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what you're paying for. And one of the great things too, and
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working with Andrew and the team. And Andrew mentions his dad, Greg and
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everybody at Larst Home Services the folks that will take care of you, take
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care of your home. If you've got questions, if there's something obvious,
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you definitely want to call Larst Home Services now. If it's something you just
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wonder about, maybe hail rolled through and you don't know for sure if there
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was any damage, or if it's something that you can I may want to
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look and look and work with your insurance. Andrew and the team will work
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with you to work with your insurance company, no matter what the situation is.
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Give them a call today. Six oh eight five three five forty three
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forty three. That's six oh eight five three five four three four three for
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Larsen Home Services. The website Larsenhome Services dot com. That's l A R
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s o N Home Services dot com. Andrew, it's always great talking with
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you. Drink a big pot of coffee because I know you got a busy
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couple of days, right, you take again that number six oh eight five
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three five forty three forty three. That's five three five four three four three.
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Speaking of storm damage, Kevin Ham will be joining us from Ham's Arborcare
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next year. On thirteen ten WIV eight