Coastal states have hurricane plans. Central Minnesota has hail season. This guide covers what to do before the season, during a storm, and in the first 72 hours after, plus how a claim works under Minnesota law. No ladder required.
A local roof expert at your house, free, no obligation. Photos and a straight answer, whether or not you need us.
Book My InspectionOffice closed? Leave your info and we call you back as soon as it opens.
Request CallbackHail swaths are narrow, so one street can lose a roof while the next block is fine. Here are dated storms from across our service area.
Some towns take repeat hits: Sartell has taken verified hail in 2021, 2022, 2024, and 2025, and over 100 hail reports have landed within 10 miles of Elk River since 2004. If your roof predates those storms and was never inspected, it is worth a look.
Do this in spring, before the first severe weather watch.
Photograph each side of the roof from the ground, plus gutters, downspouts, siding, window screens, and any metal vents you can see. Date the folder and keep a copy off your phone. After a storm, these photos help show what changed.
Check three things: your wind and hail deductible (a flat amount or a percentage of coverage), whether the roof is covered at replacement cost or actual cash value, and any reporting deadline. Most Minnesota policies allow roughly two years from the date of loss, but exact windows vary by policy, so check yours.
Write down when the roof was installed. On an older roof, an adjuster has to separate hail damage from plain age, so fix known problems with a pre-season roof repair visit.
Put your insurer's claim line and a local roofer you trust in your phone, before a stranger's flyer lands on your door.
Often you cannot see roof damage from the ground. Hail bruises shingle mats without obvious holes, and wind creases shingles that look flat. But the softer, lower parts of the house took the same hits, and if they show damage, the roof likely did too.
From the ground, capture:
When we inspect, we photograph every square of damage on the roof, gutters, siding, and soft metals, the evidence your carrier can't argue with.
The claim is between you and your insurance company; the claim decision is always your carrier's. Here is how it usually goes with us:
On an approved claim, your out-of-pocket cost is your deductible. Two Minnesota laws protect you before you sign anything:
Insurance restores what you had; for the cost difference, many homeowners step up to Class 3 impact-rated shingles, which some Minnesota carriers reward with premium discounts on future policies. Confirm eligibility with your insurer, and see how monthly payments work for the upgrade.
Storm chasers follow the hail map, quote fast, and are two states away when the workmanship fails. Warning signs:
Warranties are only as good as the company's plan to still be here. We're local, licensed (MN Lic. BC771668), five minutes away in Waite Park, and we'll be here next storm season. See our full storm damage repair process.
Call or book a free inspection if any of these are true:
The inspection is free and comes with a straight answer: repair it, replace it, or leave it alone. If it's nothing, that's your answer, in photos.
No. Wet or hail-covered shingles are slick, and bruised shingles can tear under your feet. Check what you can see from the ground: gutters, downspouts, vents, window screens and siding. A free inspection covers the roof itself with photos.
Most Minnesota policies allow roughly two years from the date of loss. Exact windows vary by policy, so check yours, and do not sit on suspected damage: undocumented roofs are harder to claim as time passes.
No. Minnesota law (Minn. Stat. 325E.66) prohibits residential contractors from paying, waiving, rebating, or promising to rebate any part of your insurance deductible, and from offering you anything of value in exchange for an inspection, an insurance claim, or a referral. A contractor offering to do it is breaking Minnesota law.
If your repair contract is to be paid from insurance proceeds, Minnesota law (Minn. Stat. 326B.811) gives you the right to cancel the contract within 72 hours after your insurer notifies you that your claim has been denied.
Not with us. The inspection is free, and if your roof is not damaged, we tell you so and leave. Minnesota law also prohibits contractors from offering you anything of value in exchange for an inspection, so an honest answer is the whole product.
No high-pressure sit. A local crew that was here before the storm and will be here after the warranty card is printed.
We inspect your roof and photograph everything, usually within a couple of days.
You get a straight answer: repair it, replace it, or leave it alone, with real numbers.
If it is storm damage, we document it for your insurer and follow Minnesota law to the letter.
Prefer to talk now? Call (320) 828-7244