Who We Are
Quality You Can Trust!
North Idaho Exteriors is a locally owned and operated company serving the entire state of Idaho. We are current with the latest technologies and installation techniques. We use only the highest quality materials available. Each project has our undivided attention. At the completion of each project, a multi-point quality control inspection is performed to guarantee that our workmanship will meet or exceed the 15 year warranty that we offer.
Our 15 Year Workmanship Warranty is the best warranty in the industry. In addition to replacing or repairing all types of roofing, we also specialize in siding, gutters, maintenance and service.
Storm Damage Inspection Questions
Peace of mind. If your home is damaged, you may have a limited time to file an insurance claim. It is always smart to schedule your repairs as soon as possible.
Typically, insurance companies cannot single out a homeowner for a rate increase based on an "Act of God" storm damage claim. However, your insurance company can raise rates for everyone in your area. So, if you don't file a claim, your increase in premium will pay for everyone else's repairs, except for yours.
If your insurance company is paying for your repairs, it may not be in your best interest to hire the cheapest contractor. The factors you'll want to consider are quality, service, workmanship, materials and warranty.
Many contractors offer homeowners cash bonuses for displaying a sign in your yard, or for referrals to other homeowners. Ask your contractor about the programs they offer.
Be wary of door-to-door contractors. If you decide to set up an inspection with a door-to-door company, do your research and make sure they are a credible company that is properly licensed, insured, and trained to install and service materials in your area.
A contingency agreement typically includes two parts, an inspection agreement which gives the contractor permission to request an inspection from your insurance company, and a work-order agreement, which obligates you to use that contractor to perform your repairs, in the case damage is found. If you just want an estimate, only sign the inspection agreement.
The time you have to file an insurance claim varies by insurance company, but most insurance policies limit your time to file a claim, within 12-24 months of the storm. Contact your insurance agent to see how long you have to file a claim.
No matter how much you like your insurance agent personally, remember, your insurance agent works for the insurance company, which is in business to make money. To ensure you receive a fair value for your claim, get estimates from at least three reputable contractors, not referred by your insurance company. Contractors referred by your insurance company may have a financial incentive to save the insurance company money, at your expense.
If your roof has been damaged by a storm and you are filing an insurance claim to pay for the repairs, there is no advantage to doing the work yourself. Hire a reputable contractor, with storm damage experience that is committed to quality workmanship.
Yes. If you plan to sell your home in the future, it is critical to address storm damage issues immediately. Many homeowners are shocked to learn they have costly storm damage to repair before they can sell, long after the time to file an insurance claim has expired.
No. Storm damage is almost always a named exclusion in manufacturers, homebuilders and contractors warranties, which are designed to cover issues with materials and workmanship, not storm damage, or other factors beyond control.
You have two basic options. First, you can try to fix the problem by repairing or patching your roof. Or, you can completely replace your roof. If you are filing an insurance claim, you should contact a reputable insurance restoration contractor who can help you determine the best option for your situation.
The devastating nature of storm damage is that you might not start experiencing problems, such as leaking, mold, or structural damage right away. But, because most insurance companies limit the time you can file a claim, it is important to get your roof inspected and fixed immediately, before your time to file a claim expires.
The purpose of insurance is to protect your property against losses that affect value, functionality and safety. If your home has sustained damage, your insurance company will provide compensation to have your properly repaired.
You can request three separate adjuster inspections and re-file a claim that has been denied. To increase your chances of approval make sure your contractor is present during the inspection. Experienced storm restoration contractors can often help get your claim approved, even if it has been previously denied.
Yes. If your neighbors have storm damage and are getting their roof repaired or replaced, chances are very good you have storm damage as well.