Frequently Asked Insurance Claims Questions

In most cases, the only cost to you is your insurance deductible, which typically ranges from $500 to $2,500 depending on your policy. We work directly with your insurance company to ensure the full scope of damage is covered. With a 98% approval rate, the vast majority of our customers pay $0 beyond their deductible — and in many cases, the insurance payout covers upgrade options like impact-resistant shingles that can actually reduce your future premiums.

The typical timeline from initial inspection to roof installation is 2-4 weeks. This includes our inspection (1 day), claim filing (1-2 days), insurance adjuster visit (5-10 days), approval and material ordering (3-5 days), and installation (1-3 days). We expedite every step and keep you informed throughout. Emergency situations with active leaks are prioritized with same-day tarping and expedited claims processing.

We don't give up. Our licensed public adjuster partner will review the denial, re-document the damage with supplemental evidence including additional photographs, moisture testing, and sometimes independent engineering reports, and file a formal appeal. We've successfully overturned hundreds of claim denials across Metro Minneapolis. If we believe your damage is legitimate, we'll fight for you — at no additional cost.

No. We handle the entire process for you. From initial damage documentation and photography to filing the claim, meeting with the insurance adjuster on your property, negotiating the settlement amount, coordinating material ordering, and managing the installation — you don't have to lift a finger. We even handle supplemental claims if additional damage is discovered during the work.

Common visible signs include missing or cracked shingles, dents on gutters or downspouts, granule accumulation in gutters, ceiling water stains, and dented roof vents or flashing. However, many types of storm damage — particularly hail fractures and wind-driven rain damage — are invisible from the ground. That's why we offer free 21-point inspections by Haag-certified inspectors who know exactly what to look for and what insurance companies need to see.

In Minnesota, insurance companies cannot raise your rates solely for filing a weather-related claim. Storm damage claims are classified as "Acts of God" and are treated differently than at-fault claims like liability incidents. In fact, upgrading to impact-resistant Class 4 shingles through your claim may qualify you for a premium discount of 15-28%, potentially saving you hundreds per year.

We work with every insurance carrier operating in Minnesota. Our most common carriers include State Farm, Allstate, Liberty Mutual, USAA, Nationwide, Farmers, Progressive, Travelers, Hartford, and Minnesota Farm Bureau. Our claims specialists have established relationships with adjusters at each of these companies and understand their specific documentation preferences and approval processes.

Haag Engineering is the gold standard for roof damage assessment certification. Insurance companies train their own adjusters using Haag methods, so when our Haag-certified inspectors document your damage using the same protocols, the adjuster reviewing your claim sees evidence presented in the exact format they're trained to evaluate. This dramatically increases approval rates because there's no translation gap between our documentation and their assessment criteria.

Xactimate is the industry-standard estimating software used by virtually every insurance adjuster in the country. When we prepare your claim using Xactimate, the line items, pricing, and format match exactly what your adjuster expects to see. This eliminates discrepancies between our estimate and theirs — the most common cause of claim underpayment. Most roofing companies use their own estimating methods, creating a translation gap that costs homeowners money.

Minnesota law gives homeowners one year from the date of damage to file an insurance claim. However, we strongly recommend filing within 30 days. The sooner you file, the easier it is to establish causation between the specific storm event and your roof damage. Waiting months gives insurance companies room to argue that the damage is from normal wear, not the storm. Contact us for a free inspection after any severe weather event.

Absolutely. Minnesota law guarantees your right to choose any licensed contractor for insurance-covered work. Your insurance company cannot require you to use their "preferred" contractor or penalize you for choosing your own. We recommend choosing a contractor with Haag certification and Xactimate experience — as these qualifications directly impact your claim's success rate.

Yes. For projects not covered by insurance — new construction, elective upgrades, and non-storm-related replacements — we offer flexible financing through GreenSky and Mosaic. Options include 0% APR for 12-18 months, low monthly payment plans up to 144 months, and no prepayment penalties. See our financing page for full details.

As a GAF Master Elite contractor, we offer GAF's Golden Pledge warranty — 50 years on materials and 25 years on workmanship, fully non-prorated and transferable to future homeowners. We also offer CertainTeed's SureStart Plus and Owens Corning's Platinum Protection warranties. Additionally, every project carries our own 10-year workmanship guarantee.

This happens frequently — rotted decking, damaged underlayment, or compromised flashing not visible during the initial inspection. When our crews discover additional damage, we document it immediately and file a supplemental claim with your insurance company. Supplemental claims are standard practice and are routinely approved. Work continues without delay while we process the supplement.

Often, yes. Minnesota building codes require that replacement roofing meet current standards — which may exceed what was originally installed. Code-required upgrades are covered by insurance at no extra cost to you. Additionally, many carriers will cover impact-resistant shingles because they reduce future claim risk. For upgrades beyond insurance coverage (like metal roofing), you pay only the difference between the approved shingle amount and the upgrade cost.