Frequently Asked Questions (FAQ)
Insurance Claim Questions
Yes. In Montana, most homeowner policies cover storm-related damage including hail, wind, debris impact, and water intrusion. If the damage was caused by a sudden weather event, the repairs or replacements are typically eligible for coverage.
Call Big Sky Contractors first.
Many homeowners accidentally file claims that get denied because the initial documentation was incomplete.
We inspect your home for free and tell you if a claim is worth filing — protecting your premiums and maximizing coverage.
No — not for acts of nature like hail or wind.
Insurance companies cannot penalize you for weather-related claims.
Yes. We attend the inspection with you to ensure all damage is properly documented and valued. This step alone often increases homeowners’ approved coverage.
We provide supplemental documentation, photos, and estimates to request a coverage increase. Most underpaid claims are corrected once the full scope of damage is presented.
O&P stands for Overhead and Profit — typically 10% + 10% added for general contractors coordinating multiple trades.
If your project involves roofing + siding + gutters + windows, your claim should include O&P. We ensure it’s applied correctly.
Roofing Questions
Key signs include:
Missing, cracked, or curling shingles
Granule loss from hail impact
Interior leaks or ceiling stains
Soft or sagging decking
Insurance-approved storm damage
Our free inspection will determine the best option — and whether it qualifies for insurance coverage.
Most residential roofs in Billings and Bozeman are completed in 1–3 days, depending on size and weather.
We install:
Architectural asphalt shingles
Metal roofing
Synthetic slate/shake
Flat and low-slope membranes
All materials are chosen for Montana’s extreme weather conditions.
Siding Questions
We install Vinyl, LP SmartSide®, Fiber Cement (Hardie®), and Metal Panel systems — all durable choices for Montana’s hail and wind exposure.
Yes. Hail impact, cracks, fading, and broken panels caused by storms are typically covered.
Windows Questions
You may need replacement if you notice:
Drafts
Fogging between panes
Cracks or impact marks
Rising energy bills
Hail or wind damage
Energy-efficient windows can reduce heating bills significantly.
Yes — if the damage was caused by hail, wind, or debris. We document the cause and handle the claim.
Painting Questions
Yes, if your paint was chipped, cracked, or damaged due to storm events. We review coverage eligibility during inspection.
High-quality coatings typically last 10–15 years, depending on exposure and maintenance.
Gutters Questions
Yes — we custom-fabricate seamless aluminum, steel, and copper gutters onsite for perfect fit and drainage.
Detached sections, dents, clogs from debris impact, and misaligned downspouts caused by hail or wind are usually covered.
Solar Questions
Yes. We safely remove existing panels, complete the roof work, and reinstall them according to manufacturer guidelines.
If the cause was storm-related, most policies cover repair or replacement.
General Project Questions
Yes — every project includes a workmanship warranty plus manufacturer product warranties registered on your behalf.
Stage 1 (Inspection & Claim Guidance): 1–2 days
Stage 2 (Project in Progress): 1–14 days depending on scope
Stage 3 (Completion & Follow-Up): Final walkthrough + documentation
Yes — we proudly serve:
Billings
Bozeman
Laurel
Belgrade
Livingston
Surrounding Montana communities
True Insurance Claim Experts
Full transparency & communication
All trades under one team
Montana-tested materials
Dedicated project manager
Zero-pressure inspections