Hi! I'm Tara with CM Roofing. Do you have any questions?
Navigating roof storm damage and insurance claims can be overwhelming. This guide helps you understand the process, protect your home, and know what to expect.
After a severe Minnesota storm, it's important to look for signs of damage. Hail damaged shingles, lifted shingles, wind damaged roofing, damaged gutters, and siding storm damage are all indicators that your exterior systems may have been compromised.
Safety comes first. Document the storm damage from the ground level. Take exterior photos and review storm concerns safely without climbing onto the roof. Documenting damage immediately helps with the claims process.
The next step is scheduling a professional roofing inspection. A qualified contractor will examine roof damage, perform a thorough storm damage assessment, and document findings to help you understand the true condition of your property.
When your insurance adjuster arrives for a field inspection, having your contractor present can be beneficial. They can review the roof together and ensure all storm-related damage is properly documented during the inspection scene.
Even after a claim is approved, hidden damage may be discovered during the roof tear-off. Issues like rotten wood replacement, damaged underlayment layers, and exposed roof decking problems must be addressed to ensure a quality restoration.
Minnesota weather dictates restoration timing. Winter roofing work, ice dams, freeze/thaw cycles, and snow-covered roofs mean that timing your restoration correctly is crucial for modest Minnesota homes.
CM Roofing LLC helps Minneapolis and Twin Cities homeowners navigate storm damage claims from first call to final inspection.
Most Minnesota homeowners insurance policies require claims to be filed within one year of the storm event, though some carriers allow up to two years. Filing sooner is always better. Waiting too long can give your insurer grounds to deny coverage, even if the damage is legitimate. If you are unsure of your deadline, call your carrier and ask directly -- then call us for an inspection before that window closes.
Weather-related claims like hail and wind are generally treated differently than at-fault claims by most carriers. Many Minnesota homeowners see no rate increase after a single storm damage claim, especially if it is their first. That said, every policy and carrier is different. We recommend calling your agent before filing to ask how a claim would affect your specific policy. What we can tell you is that ignoring real damage almost always costs more in the long run.
It happens more than most homeowners realize. Adjusters are often handling dozens of claims at once after a major storm and may not catch every damaged area. If you believe damage was missed, you have the right to request a reinspection or hire a public adjuster. Having a roofing contractor present during the adjuster visit helps ensure nothing is overlooked. CM Roofing documents all findings in detail so you have a clear record to reference if a dispute arises.
Yes. In Minnesota you have the legal right to choose your own licensed roofing contractor regardless of who your insurance company recommends. Insurance companies cannot require you to use a preferred vendor. Choosing a local contractor who knows Minnesota building codes, permit requirements, and carrier documentation standards makes the process smoother and protects your investment. CM Roofing works directly with all major carriers and handles the documentation process from start to finish.
First, do not automatically accept the first settlement offer as final. If the scope of work or pricing seems low, a supplement can often be filed with additional documentation from your contractor. CM Roofing prepares detailed damage reports and works with carriers to ensure nothing is left out. If a gap still remains after the claim is settled, flexible financing options are available so your project is not delayed while your home stays exposed to further damage.