How Insurance Covers Your Full Roof Replacement
When storm damage necessitates a complete roof replacement, your homeowner's insurance policy is designed to cover the full cost of returning your roof to its pre-damage condition. This includes material costs, labor, disposal of old roofing materials, and any code-required upgrades mandated by current Minnesota building standards.
At Minneapolis Roof Pros, we specialize in maximizing your insurance coverage. Our Haag-certified inspectors document every square foot of damage using Xactimate estimating software — the same platform your insurance adjuster uses. This eliminates discrepancies between our assessment and theirs, dramatically increasing your approval odds.
Over the past 17 years, we've successfully filed more than 3,200 roof replacement claims across Metro Minneapolis, maintaining a 98% approval rate. The vast majority of our clients pay nothing beyond their standard deductible — which typically ranges from $500 to $2,500 depending on your policy.
Our Roof Replacement Process
Step 1: Free 21-Point Storm Damage Inspection
Our certified inspector climbs onto your roof and performs a comprehensive evaluation covering shingles, flashing, vents, gutters, decking integrity, and all penetration points. We photograph every area of damage with high-resolution cameras and note measurements using industry-standard methods. This typically takes 45-60 minutes and costs you absolutely nothing.
Step 2: Xactimate Claim Documentation
Using the same Xactimate software that insurance adjusters rely on, we prepare a detailed scope of work that itemizes every component requiring replacement. This includes line items for drip edge, ice and water shield, starter strip, field shingles, ridge cap, pipe boots, step flashing, counter flashing, and valley materials. Our documentation is so thorough that adjusters frequently approve our estimates without modification.
Step 3: Insurance Claim Filing & Negotiation
We file your claim directly with your insurance carrier and coordinate the adjuster's visit. One of our claims specialists is present during every adjuster inspection to walk them through our documentation and point out damage they might otherwise miss. If the initial estimate comes back lower than our assessment, we file supplements with additional evidence until the full scope is covered.
Step 4: Material Selection & Ordering
Once your claim is approved, you choose from our premium material options. As a GAF Master Elite contractor, CertainTeed SELECT ShingleMaster, and Owens Corning Preferred Contractor, we offer the industry's top-tier shingle lines at no additional cost to you. In many cases, your insurance payout even covers an upgrade to impact-resistant Class 4 shingles — which can reduce your future premiums by up to 28%.
Step 5: Professional Installation
Our OSHA-certified crews complete most residential roof replacements in a single day. The process includes complete tear-off of existing materials, inspection and repair of any damaged decking, installation of ice and water shield in all valleys and eaves, proper ventilation verification, and meticulous cleanup with magnetic nail sweeps of your entire property.
Premium Roofing Materials We Install
- GAF Timberline HDZ — America's #1 selling shingle, Lifetime limited warranty
- GAF Timberline AS II — Class 4 impact-resistant, qualifies for insurance premium discounts
- CertainTeed Landmark PRO — Max Def colors, 15-year StreakFighter algae resistance
- Owens Corning Duration STORM — SureNail Technology, 130 MPH wind warranty
- Standing Seam Metal — 40-60 year lifespan, insurance-approved premium option