We Handle the Insurance Process For You

A denial is frequently a documentation problem rather than a genuine absence of damage. Hail bruising on asphalt shingles is subtle, does not read from the ground, and gets missed on a quick adjuster visit — particularly on a busy post-storm schedule when an adjuster is working through dozens of homes in a week.

When we believe damage was missed, we go back up, re-document it properly with dated photographs and measurements, and submit it for reinspection. That has been enough to reopen claims and get them paid in full. We do not promise an outcome, because the carrier decides — but a properly documented claim is a far different proposition than a verbal disagreement.

No, and we will say so. Filing a claim that gets denied or that falls under your deductible has no upside and puts a claim on your record. Minnesota gets a lot of weather and not all of it produces claimable damage.

Our inspection is free precisely so you can find out before you file. If the damage is cosmetic, below your deductible, or unrelated to the storm, we will tell you that rather than pushing you into a claim to generate ourselves a job.

Policies carry time limits for reporting storm damage, and they vary by carrier and policy. The practical advice is to have the property inspected promptly after a significant hail or wind event, because damage that goes unreported for a long period gets harder to attribute to a specific storm.

Check your own policy for the reporting window — we cannot tell you what your specific contract says, and we would rather you read it than take our word for it.

It starts with an inspection, before you file. We look at the roof, siding, gutters and window wraps, photograph everything with dates, and tell you honestly whether there is a claimable loss. If there is not, you have lost nothing but an hour and you have not put a denied claim on your record.

If there is, you file with your carrier and they assign an adjuster. We meet that adjuster on site and walk the damage with them, with our own documentation and measurements in hand. Once the scope is agreed and approved, we do the work and stay involved through final inspection.

Because it is genuinely hard to see and they are working at volume. After a significant hail event an adjuster may be inspecting dozens of homes in a week, and hail bruising on asphalt shingles is a subtle thing — a circular area where granules have gone and the mat underneath is soft to the touch. It does not read from the ground and often does not read in a photograph.

That is not an accusation of bad faith. It is a reason to have someone on the roof with the adjuster who is looking specifically for it and can point at it. A scope agreed without both parties seeing the same damage is where under-payment comes from.

In Minnesota the choice of contractor is yours. Your carrier may suggest a preferred vendor from their network, and you are free to use them if you want to — but you are not obliged to, and declining does not affect your coverage.

What matters more than the network is who is still around in five years to honour the workmanship warranty. That is worth weighing whichever way you go.

We are a roofing contractor, not your insurance agent, and premium decisions belong to your carrier — so we will not tell you what yours will do. What we can tell you is that weather claims are treated differently from at-fault claims by most insurers, and that a large hail event affects an entire region rather than one policyholder.

The right person to ask is your agent, and asking before you file costs nothing. We would rather you make that call informed than have us guess at it.