With over 10 years of experience the industry, Excel Renovation LLC your industry expert. We pride ourselves on our extreme professionalism and attention to detail. Our customer satisfaction guarantee will assure you we will leave your property until you are completely satisfied with our work. As a family owned and operated business you can trust that we will treat your home as we would treat our own. Give us a call today we look forward to working with you!
"Shane and Chase at EXCEL came out to survey and repair already existing underdecking that was the ceiling to our sunroom under our outdoor deck that was initially installed by another contractor earlier on and it was leaking like crazy. EXCEL completely re-did it did it right, and greatly improved the quality and the asthetic feature overall. They remained to finish every last detail , cleaning up the area around it in our back yard when they were finished and taking great care as if it was thier own property. We could not be happier! would always go with EXCEL and wished we had found them earlier!"
Ellen E on September 2024
With over 10 years of experience the industry, Excel Renovation LLC your industry expert. We pride ourselves on our extreme professionalism and attention to detail. Our customer satisfaction guarantee will assure you we will leave your property until you are completely satisfied with our work. As a family owned and operated business you can trust that we will treat your home as we would treat our own. Give us a call today we look forward to working with you!
"Shane and Chase at EXCEL came out to survey and repair already existing underdecking that was the ceiling to our sunroom under our outdoor deck that was initially installed by another contractor earlier on and it was leaking like crazy. EXCEL completely re-did it did it right, and greatly improved the quality and the asthetic feature overall. They remained to finish every last detail , cleaning up the area around it in our back yard when they were finished and taking great care as if it was thier own property. We could not be happier! would always go with EXCEL and wished we had found them earlier!"
Ellen E on September 2024
Proudly serving our local community since 1962, American Eagle Home Improvement is dedicated to delivering exceptional service in every aspect of our business. We operate with a strong commitment to integrity, fairness, honesty, and personal responsibility. What sets us apart is not only the high quality of service we provide but also our status as an Owens Corning Platinum Preferred Contractor and Gutter Shutter authorized dealer. From roof repair and replacement to siding and gutter installation, we offer a wide range of services to meet your needs. Above all, we prioritize our customers? interests, ensuring that their concerns guide everything we do. Contact us today to learn more! We offer financing and a variety of convenient payment options.
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Larry c on May 2020
Proudly serving our local community since 1962, American Eagle Home Improvement is dedicated to delivering exceptional service in every aspect of our business. We operate with a strong commitment to integrity, fairness, honesty, and personal responsibility. What sets us apart is not only the high quality of service we provide but also our status as an Owens Corning Platinum Preferred Contractor and Gutter Shutter authorized dealer. From roof repair and replacement to siding and gutter installation, we offer a wide range of services to meet your needs. Above all, we prioritize our customers? interests, ensuring that their concerns guide everything we do. Contact us today to learn more! We offer financing and a variety of convenient payment options.
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Larry c on May 2020
We have the experience and dedication to get the job done right! Specializing in Roofing services; We guarantee your satisfaction, and we won't leave until the job is done right. We pride ourselves on the quality work we provide, while delivering great customer service! Call or click for your FREE estimate today!
"Tyler did a great job communicating with the estimating and the contract. e Roof was the best value of the 4 estimates I received. I really appreciated how they worked with me to get my project done quickly due to my unique needs. Chet my project manager communicated early and frequently during the project, very responsive. The workmanship was very good and I would definitely use them again."
Dave D on July 2024
We have the experience and dedication to get the job done right! Specializing in Roofing services; We guarantee your satisfaction, and we won't leave until the job is done right. We pride ourselves on the quality work we provide, while delivering great customer service! Call or click for your FREE estimate today!
"Tyler did a great job communicating with the estimating and the contract. e Roof was the best value of the 4 estimates I received. I really appreciated how they worked with me to get my project done quickly due to my unique needs. Chet my project manager communicated early and frequently during the project, very responsive. The workmanship was very good and I would definitely use them again."
Dave D on July 2024
River Valley Remodelers was founded with a vision to provide an unmatched customer experience. The Founders have managed thousands of remodeling projects in multiple states across the country and combine decades of industry experience to cultivate a customer-first company atmosphere. Every team member at River Valley Remodelers, work to improve upon every project because we understand exactly how important great service, quality of work, and communication is for any project in your home. With the rapid rate of technological improvements in our world today, the team at River Valley Remodelers takes great pride in working with cutting edge products and services in the remodeling industry. We consistently communicate with product manufacturers, software developers, and industry leaders to provide our project managers and installers with the best resources available. You can trust that our number one goal as your hometown team is to ensure your complete satisfaction. In order to best serve the needs of our customers, centering our organization in the community was a must. River Valley Remodelers is fully committed to ensuring our clients are well informed and confident with every decision in their remodel project. Our team members will provide a thorough explanation of every aspect of your project while keeping your needs at the forefront of every conversation. We look forward to many more years of strengthened relationships with our customers and community; and, in an area of many rivers, we are proud to be your bridge to a happy home.
River Valley Remodelers was founded with a vision to provide an unmatched customer experience. The Founders have managed thousands of remodeling projects in multiple states across the country and combine decades of industry experience to cultivate a customer-first company atmosphere. Every team member at River Valley Remodelers, work to improve upon every project because we understand exactly how important great service, quality of work, and communication is for any project in your home. With the rapid rate of technological improvements in our world today, the team at River Valley Remodelers takes great pride in working with cutting edge products and services in the remodeling industry. We consistently communicate with product manufacturers, software developers, and industry leaders to provide our project managers and installers with the best resources available. You can trust that our number one goal as your hometown team is to ensure your complete satisfaction. In order to best serve the needs of our customers, centering our organization in the community was a must. River Valley Remodelers is fully committed to ensuring our clients are well informed and confident with every decision in their remodel project. Our team members will provide a thorough explanation of every aspect of your project while keeping your needs at the forefront of every conversation. We look forward to many more years of strengthened relationships with our customers and community; and, in an area of many rivers, we are proud to be your bridge to a happy home.
Minnesotan residents from the entire Metro area have trusted Lakewoods Remodeling, Inc when they are in need of reliable and quality service on their home improvements and repairs. Lakewoods Remodeling has a proven track record of providing our customers with great service for over nine years now. Lakewoods Remodeling has received the prestigious Angie's List Super Service Award several times due to their continued dedication to their customers overall satisfaction and outstanding customer reviews. Lakewoods Remodeling is one of the few elite home improvement contractors across the country to receive this award.
"We spent all summer talking with siding contractors. All of them disappointed us for various reasons (costs, games, delays). We finally contacted Lakewoods Remodeling, and we are very glad we did. Their pricing was very reasonable, and they did not play games. They started when they said they would start. They finished when they said they would finish. They used high quality materials. They did high quality work. They showed concern for making everything look good (and it does). To summarize, the value they provided was excellent. We would definitely use them again, and we highly recommend them."
Brian W on November 2024
Minnesotan residents from the entire Metro area have trusted Lakewoods Remodeling, Inc when they are in need of reliable and quality service on their home improvements and repairs. Lakewoods Remodeling has a proven track record of providing our customers with great service for over nine years now. Lakewoods Remodeling has received the prestigious Angie's List Super Service Award several times due to their continued dedication to their customers overall satisfaction and outstanding customer reviews. Lakewoods Remodeling is one of the few elite home improvement contractors across the country to receive this award.
"We spent all summer talking with siding contractors. All of them disappointed us for various reasons (costs, games, delays). We finally contacted Lakewoods Remodeling, and we are very glad we did. Their pricing was very reasonable, and they did not play games. They started when they said they would start. They finished when they said they would finish. They used high quality materials. They did high quality work. They showed concern for making everything look good (and it does). To summarize, the value they provided was excellent. We would definitely use them again, and we highly recommend them."
Brian W on November 2024
** #45 ** Different Time Angi "Super Service Award Winners" in Roofing, Siding & Windows, Insulation & Gutters. A+ Rating BBB over 30 years with BBB (Better Business Bureau). 10% Angi List Discount up to $2,000. in Savings (Not including Insurance claims). 50 year Certified Non-Prorated Roof Warranty. Locally owned & operated family business since 1987. We are a Licensed, bonded & insured general contractor / insurance storm restoration specialist serving Minnesota & Wisconsin. Contact our friendly team today at 651-578-9205 for your 100% Free & NO OBLIGATION estimate for your new roofing, siding, window, attic insulation or gutters projects. For professional, honest, quality service call Capital Siding, Windows & Roofing today! Tell us: Angi Sent You!
"I first met Jeff Moore of Capital Siding, Windows and Roofing in 2018. It was time to reroof my 110+ year-old house (that has more hips and angles than a fashion show) and I wanted to do it right. I took 5 bids (6 if you count the company that was a no-show) and ended up with a range of bids that varied by nearly $20,000. Capital came in near the midpoint of the bids but it wasn't the price that sold me - it was the care they put into their bid and the feeling I got from Jeff and, later, his son Danny. They included more detail than any of the other companies I considered and I spent quite a bit of time on the phone with Jeff over the course of a couple of weeks where he answered all of my questions and explained all of my options. Jeff struck me right from the start as an earnest, straight-up guy who was giving me his best offer. No posturing, no pressure, just a good offer and a good feeling. Undertaking a major project on my house, my biggest asset, was stressful. I was worried about everything. Is this a fair price? Is this the right company? Will the crew stay on schedule? Will they damage the property with their equipment? Do I have any idea what I am doing? Ultimately, you have to make a decision and for me, that's usually going with a gut feeling. My gut said Capital so I signed the contract. Once work got underway, Azael, Jeff's primary crew chief, was on site every day. He's a great guy, easy to talk to, always with a smile and a laugh. The crew did their work, cleaned up every day, and kept the materials organized. Couldn't ask for more. Jeff and Danny came out several times during the project and we spoke by phone regularly. Calls were usually returned the same day and always by the next day. Changes (like my decision to add gutter covers) were handled clearly and easily and there were no financial surprises at all. They did an excellent job. If I could do it again, would I choose Capital? Wellllll...yes. In fact, I did! In August of 2023, while I was out of town with my family, our house got walloped by the big hail storm that rolled through Minneapolis. By the time we got home a week later, work had already started on 4 houses on my block. My first call was to Capital and they came out a day later. My beautiful roof and old siding had taken major damage. Danny and one of the roofing crew walked every inch of my roof and took over 100 pictures. The damage was significant but the integrity of the roof was intact. Because of the severity of the storm, Jeff was booked until very late in the season so we decided to push it until the spring of 2024. That turned out to be a good decision as I spent a good portion of the winter arguing with my insurance company. Every time they sent an adjuster or someone to take pictures or get a materials sample, one of Jeff's team was present. I finally got things sorted out with insurance, spring arrived, and Oscar, Capital's other crew chief who is just as approachable and friendly and great as Azael, came out with his guys and got going. They did another beautiful job on the roof and the siding is just fantastic. They did tons of hand-bent aluminum work to mimic the architectural detail my insurance wouldn't cover. I think it looks better than it did originally. My wife and I are completely happy with the work and love with the way our house looks now. Total satisfaction with two excellent jobs six years apart is no fluke. Capital is as solid as they come and I wouldn't hesitate to recommend them. Thanks again to Jeff, Danny, Mike, Azael, Oscar, and everyone at Capital. - Tim in Minneapolis"
TIM C on May 2025
** #45 ** Different Time Angi "Super Service Award Winners" in Roofing, Siding & Windows, Insulation & Gutters. A+ Rating BBB over 30 years with BBB (Better Business Bureau). 10% Angi List Discount up to $2,000. in Savings (Not including Insurance claims). 50 year Certified Non-Prorated Roof Warranty. Locally owned & operated family business since 1987. We are a Licensed, bonded & insured general contractor / insurance storm restoration specialist serving Minnesota & Wisconsin. Contact our friendly team today at 651-578-9205 for your 100% Free & NO OBLIGATION estimate for your new roofing, siding, window, attic insulation or gutters projects. For professional, honest, quality service call Capital Siding, Windows & Roofing today! Tell us: Angi Sent You!
"I first met Jeff Moore of Capital Siding, Windows and Roofing in 2018. It was time to reroof my 110+ year-old house (that has more hips and angles than a fashion show) and I wanted to do it right. I took 5 bids (6 if you count the company that was a no-show) and ended up with a range of bids that varied by nearly $20,000. Capital came in near the midpoint of the bids but it wasn't the price that sold me - it was the care they put into their bid and the feeling I got from Jeff and, later, his son Danny. They included more detail than any of the other companies I considered and I spent quite a bit of time on the phone with Jeff over the course of a couple of weeks where he answered all of my questions and explained all of my options. Jeff struck me right from the start as an earnest, straight-up guy who was giving me his best offer. No posturing, no pressure, just a good offer and a good feeling. Undertaking a major project on my house, my biggest asset, was stressful. I was worried about everything. Is this a fair price? Is this the right company? Will the crew stay on schedule? Will they damage the property with their equipment? Do I have any idea what I am doing? Ultimately, you have to make a decision and for me, that's usually going with a gut feeling. My gut said Capital so I signed the contract. Once work got underway, Azael, Jeff's primary crew chief, was on site every day. He's a great guy, easy to talk to, always with a smile and a laugh. The crew did their work, cleaned up every day, and kept the materials organized. Couldn't ask for more. Jeff and Danny came out several times during the project and we spoke by phone regularly. Calls were usually returned the same day and always by the next day. Changes (like my decision to add gutter covers) were handled clearly and easily and there were no financial surprises at all. They did an excellent job. If I could do it again, would I choose Capital? Wellllll...yes. In fact, I did! In August of 2023, while I was out of town with my family, our house got walloped by the big hail storm that rolled through Minneapolis. By the time we got home a week later, work had already started on 4 houses on my block. My first call was to Capital and they came out a day later. My beautiful roof and old siding had taken major damage. Danny and one of the roofing crew walked every inch of my roof and took over 100 pictures. The damage was significant but the integrity of the roof was intact. Because of the severity of the storm, Jeff was booked until very late in the season so we decided to push it until the spring of 2024. That turned out to be a good decision as I spent a good portion of the winter arguing with my insurance company. Every time they sent an adjuster or someone to take pictures or get a materials sample, one of Jeff's team was present. I finally got things sorted out with insurance, spring arrived, and Oscar, Capital's other crew chief who is just as approachable and friendly and great as Azael, came out with his guys and got going. They did another beautiful job on the roof and the siding is just fantastic. They did tons of hand-bent aluminum work to mimic the architectural detail my insurance wouldn't cover. I think it looks better than it did originally. My wife and I are completely happy with the work and love with the way our house looks now. Total satisfaction with two excellent jobs six years apart is no fluke. Capital is as solid as they come and I wouldn't hesitate to recommend them. Thanks again to Jeff, Danny, Mike, Azael, Oscar, and everyone at Capital. - Tim in Minneapolis"
TIM C on May 2025
At CoMitted 365 Roofing & Exteriors, we are a family-owned and operated business dedicated to enhancing homes, and businesses with quality craftsmanship and unmatched customer service. We proudly serve homeowners and businesses within our region, specializing in roofing, siding, gutters, and full exterior restoration to ensure every property is built to withstand the elements. What sets us apart is our commitment to integrity, quality, and customer-first service—365 days a year. Whether it's an insurance claim or a retail project, we provide expert guidance and solutions tailored to each customer's needs. Our team is here to make the process seamless from start to finish, ensuring clear communication, high-quality materials, and expert installation. We don’t just complete projects—we build lasting relationships based on trust and reliability. With a focus on durability, craftsmanship, and customer satisfaction, CoMitted 365 is here to protect and enhance what matters most—your home, your investment, and your peace of mind.
"365 was professional, responsive, and thorough in all of our interactions."
Nate R on February 2025
At CoMitted 365 Roofing & Exteriors, we are a family-owned and operated business dedicated to enhancing homes, and businesses with quality craftsmanship and unmatched customer service. We proudly serve homeowners and businesses within our region, specializing in roofing, siding, gutters, and full exterior restoration to ensure every property is built to withstand the elements. What sets us apart is our commitment to integrity, quality, and customer-first service—365 days a year. Whether it's an insurance claim or a retail project, we provide expert guidance and solutions tailored to each customer's needs. Our team is here to make the process seamless from start to finish, ensuring clear communication, high-quality materials, and expert installation. We don’t just complete projects—we build lasting relationships based on trust and reliability. With a focus on durability, craftsmanship, and customer satisfaction, CoMitted 365 is here to protect and enhance what matters most—your home, your investment, and your peace of mind.
"365 was professional, responsive, and thorough in all of our interactions."
Nate R on February 2025
Kaufman Roofing has been in business since 1930, working in the Twin Cities and surrounding neighborhood. With the peculiar nuances affecting roofs in the Twin Cities; varying roof types (slate, tile, wood shakes, metal, & flat), harsh weather conditions, and seasonal extremes, our experience is invaluable. Our philosophy hasn't changed since we started doing roofs in Minneapolis, St. Paul, and the surrounding areas nearly a century ago.
"We had an extremely bad experience with Kaufman Roofing. We had a leak in our roof, and they thought it was most likely in our custom, built-in gutter system. They said they patched it up, but then it leaked the next time it snowed. In the meantime, they gave us a $30,000 estimate to have our entire gutter system, which is only 12 years old, completely replaced. Their estimator is a real bully and a horrible person to interact with. His name is Scott Wehrmeyer. He uses scare tactics, he talks over you, he’s impolite, and in our case, he didn’t even apologize for the fact that their patch didn’t even last one rainstorm. He just used it further evidence that we need to hire them to replace relatively new gutters. He never even got up on the roof to take a look at the gutter system or used a drone to take pictures or anything. He had one guy go up on a ladder in that one spot and take one picture and then say we need the entire system replaced. We eventually got it fixed with a reputable company. We got bids from several other roofing companies. Everyone else laughed at the idea that we would have a 12-year-old custom gutter system torn out and replaced for $30,000. They may have workers that do a good job, but I found Scott to be totally untrustworthy. I have never had to hang up in the middle of a conversation with anyone in my life, but I did with him. If I owned this company, I would not want him representing me. He’s a bully, he seems to be lazy, he doesn’t listen, he didn’t apologize, he just talked right over me and tried to scare me hiring him. Literally the total opposite of what any customer would hope for."
Jim M on May 2024
Kaufman Roofing has been in business since 1930, working in the Twin Cities and surrounding neighborhood. With the peculiar nuances affecting roofs in the Twin Cities; varying roof types (slate, tile, wood shakes, metal, & flat), harsh weather conditions, and seasonal extremes, our experience is invaluable. Our philosophy hasn't changed since we started doing roofs in Minneapolis, St. Paul, and the surrounding areas nearly a century ago.
"We had an extremely bad experience with Kaufman Roofing. We had a leak in our roof, and they thought it was most likely in our custom, built-in gutter system. They said they patched it up, but then it leaked the next time it snowed. In the meantime, they gave us a $30,000 estimate to have our entire gutter system, which is only 12 years old, completely replaced. Their estimator is a real bully and a horrible person to interact with. His name is Scott Wehrmeyer. He uses scare tactics, he talks over you, he’s impolite, and in our case, he didn’t even apologize for the fact that their patch didn’t even last one rainstorm. He just used it further evidence that we need to hire them to replace relatively new gutters. He never even got up on the roof to take a look at the gutter system or used a drone to take pictures or anything. He had one guy go up on a ladder in that one spot and take one picture and then say we need the entire system replaced. We eventually got it fixed with a reputable company. We got bids from several other roofing companies. Everyone else laughed at the idea that we would have a 12-year-old custom gutter system torn out and replaced for $30,000. They may have workers that do a good job, but I found Scott to be totally untrustworthy. I have never had to hang up in the middle of a conversation with anyone in my life, but I did with him. If I owned this company, I would not want him representing me. He’s a bully, he seems to be lazy, he doesn’t listen, he didn’t apologize, he just talked right over me and tried to scare me hiring him. Literally the total opposite of what any customer would hope for."
Jim M on May 2024
We are Minnesota’s leading siding, roofing and replacement window contractor. Since 1995, we've protected your home, possessions and family from the rain, wind, snow, sun and ice that are part of our local weather. Our experienced and highly trained installation crews are ready to help you make your home more comfortable, convenient and energy efficient. Twin Cities Siding and Roofing is the home improvement contractor you can trust to treat you with honesty, integrity and respect and deliver great work with lasting value. License # BC752041.
"From start to finish, this was a great experience. The crew was exceptionally hard working, professional and their attention to detail was astounding. We recommend them and would work with them again."
Howard W on July 2024
We are Minnesota’s leading siding, roofing and replacement window contractor. Since 1995, we've protected your home, possessions and family from the rain, wind, snow, sun and ice that are part of our local weather. Our experienced and highly trained installation crews are ready to help you make your home more comfortable, convenient and energy efficient. Twin Cities Siding and Roofing is the home improvement contractor you can trust to treat you with honesty, integrity and respect and deliver great work with lasting value. License # BC752041.
"From start to finish, this was a great experience. The crew was exceptionally hard working, professional and their attention to detail was astounding. We recommend them and would work with them again."
Howard W on July 2024
Rick's Roofing and Siding Inc. has been the company to call in the Twin Cities for quality exterior remodeling since 1985. Over the past 39 years we at Rick's Roofing and Siding Inc. have been dedicated to our customers' and our community. We do this in three ways; we inspect all of our jobs post completion to ensure quality craftsmanship, we only work in the Twin Cities and surrounding area, and we only install quality products.
"Rick's Roofing & Siding reroofed and resided our home after damage from a hailstorm. They had previously reroofed our home about 15 years earlier and had done excellent work, so we contacted them for this project. Again, they did excellent work. Literally more than a dozen neighbors have told us how good our home looks. One even said it was stunning. Every person that we worked with from Rick's, their rep, construction crew, inspector, and office personnel were very good to work with and did their jobs well. An example, our neighborhood had many homes damaged by the hailstorm. Talking with our rep from Rick's on a sunny day outside our home, he told me that they only use the same lot of shingles when they roof. He said others will just take what they can get in situations like this where many homes are damaged and the demand for the shingles is high. He pointed out a house across the street from us and said that their roofer had mixed lots. I couldn't see what he saw, he told me over time it would show. All it took was for it to show was for it to rain, when the neighbor's roof is wet, I can see the distinct line patterns on their roof where the shingles are different. I waited for some time to pass before I wrote a review to see if any issues would show; everything looks great, and we've experienced no issues."
Kerry N on April 2025
Rick's Roofing and Siding Inc. has been the company to call in the Twin Cities for quality exterior remodeling since 1985. Over the past 39 years we at Rick's Roofing and Siding Inc. have been dedicated to our customers' and our community. We do this in three ways; we inspect all of our jobs post completion to ensure quality craftsmanship, we only work in the Twin Cities and surrounding area, and we only install quality products.
"Rick's Roofing & Siding reroofed and resided our home after damage from a hailstorm. They had previously reroofed our home about 15 years earlier and had done excellent work, so we contacted them for this project. Again, they did excellent work. Literally more than a dozen neighbors have told us how good our home looks. One even said it was stunning. Every person that we worked with from Rick's, their rep, construction crew, inspector, and office personnel were very good to work with and did their jobs well. An example, our neighborhood had many homes damaged by the hailstorm. Talking with our rep from Rick's on a sunny day outside our home, he told me that they only use the same lot of shingles when they roof. He said others will just take what they can get in situations like this where many homes are damaged and the demand for the shingles is high. He pointed out a house across the street from us and said that their roofer had mixed lots. I couldn't see what he saw, he told me over time it would show. All it took was for it to show was for it to rain, when the neighbor's roof is wet, I can see the distinct line patterns on their roof where the shingles are different. I waited for some time to pass before I wrote a review to see if any issues would show; everything looks great, and we've experienced no issues."
Kerry N on April 2025
Clear your gutters after heavy storms or at least twice a year. If pines surround your home, bump that to every four months. Sweep loose debris off the roof whenever you see it, and schedule a professional roof and gutter cleaning when dirt starts to build up. Flat roofs trap leaves and standing water quickly, so staying ahead of clogs helps prevent leaks.
A well-maintained flat roof can last up to 25 years. Regular inspections, thorough cleaning of drainage systems, and prompt debris removal help ensure that your flat roof remains durable and performs reliably throughout its lifespan. Maintaining tight seals and applying appropriate protective coatings further secures the roof’s integrity over time, making these essential practices vital for long-term performance.
Flat roofs offer significant advantages and present certain challenges. They deliver economic benefits through reduced material and labor costs, and they enable creative outdoor living configurations. However, flat roofs also exhibit disadvantages such as a tendency for water pooling, diminished attic space, vulnerability in snowy conditions, and an elevated risk of leaks if seals are compromised. Maintaining the roof with professional inspections and precise upkeep helps overcome these challenges.
Flat roof replacement is covered by homeowner’s insurance only when damage results from a specific event, such as a storm or accident. Your policy covers the replacement if the injury is caused by a qualifying incident rather than normal deterioration or maintenance lapses. Review your policy carefully and confirm with your insurer to accurately determine your coverage.