Restoration & Adjusting Services

Frequently Asked Questions

What is ice damming and how to prevent it?

An ice dam is a problem of house and building maintenance in cold climates. An ice dam can occur when snow accumulates on the slanted roof of a house with inadequate insulation. Heat conducted through the insufficient insulation and warm air from the attic bypasses warms the roof and melts the snow on those areas of the roof that are above living spaces, but does not melt the snow on roof overhangs. Meltwater flows down the roof, under the blanket of snow, onto the eave and into the gutter, where colder conditions on the overhang cause it to freeze. Eventually, ice accumulates along the eave and in the gutter. Snow that melts later cannot drain properly through the ice on the eave and in the gutter, resulting in leaks to the roof space resulting in damaged ceilings, walls, roof structure and insulation. The ice that builds up on the roof can be removed by trained professionals that use special steam equipment to ensure quick and safe removal without causing damage to the roof. (Wikipedia)

Ice Damming Cutaway Photo

Is Blue Mountain Construction Group accredited by the Better Business Bureau?

Yes, Blue Mountain Construction Group is accredited with the BBB.

Southeast Michigan BBB Logo

What is the total out-of-pocket expense for the insurance work?

All approval for the insurance work is given by and paid for by the insurance company. Therefore, the only responsibility for the work approved by the insurance company is the insurance deductible as agreed upon between yourself, the insured, and your insurance company in your insurance policy. If any additional work should be desired by the property owner, that work would need to be requested by and paid for by the property owner.

What is HAAG?

HAAG is known as the leader in forensic engineering for wind and hail damage. Blue Mountain Construction Group uses the HAAG Standard for inspecting and determining wind and hail damage to your property. We have a HAAG Certified Roofing Inspector on staff to service you!


For more information about HAAG Engineering, go to

How long do roof installations take?

Typical roof installations for residential homes can be a 1-2 day process if the roof is 40 squares or under. Commercial buildings take longer; typically a week or so for completion.

How long does the insurance claim process take?

The protocol for each insurance company does vary in length of time and process. There is no guarantee, but in our experience, the insurance process typically takes between 2 to 6 weeks from start to finish.

Will my rates be raised as a result of my claim?

One state department of insurance spokesperson said, “It’s almost unheard of for a single claim to raise premiums, especially if it is an act of God.” Act of God refers to an event caused entirely by the forces of nature.

Why do I have to pay my insurance deductible?

The insurance deductible is the amount that is paid for covered damage before insurance coverage kicks in. This is an agreement made between the policyholder and their insurance company through an insurance policy that must be followed. Therefore, it is illegal to waive an insurance deductible, and it is punishable by law.