If you’re reading this, chances are, you’re a Minnesotan. That alone deserves a medal for surviving winter’s harshest elements year after year — but has your roof?

Living in Minnesota means you may have experienced roof damage due to severe weather conditions such as hail, wind, or ice dams. If you are planning to file an insurance claim for roof damage, there are some essential steps you need to follow.

Here’s how to file an insurance claim for roof damage in Minnesota:

Pull Out the Policy

Go to that file cabinet and break out your policy to determine what kind of damage is covered by your insurance. Generally, insurance policies cover damage caused by hail and wind. Ice dams are also typically covered, but you’ll want to confirm yours also does.

Go with the Pros

Before you file a claim, get a professional inspection and estimate. Don’t rely on an adjuster’s estimate alone. Hire a professional roofing contractor to provide an official quote. To make things easier, Exteriors by Highmark will come to inspect your roof for free and give you an estimate.

It’s essential to work with a reputable and experienced roofing contractor like Exteriors by Highmark. If you choose to work with us, we will work directly with your insurance provider to help process your claim. While all insurance policies are different, we can help you navigate the process and plan your next steps to make a claim.

A white truck parked in front of a house, indicating roofing repair and installation services in the Twin Cities.

Gather the Documents

When making an insurance claim, it’s important to provide your insurance company with all the necessary documentation. Take photos of the damage, and keep all receipts and invoices related to the repair work. Submit all the necessary documents to your insurance company, and keep a record of all correspondence with them.

Don’t Delay

Insurance companies know people like to delay making claims. If a major storm has rolled through your neighborhood within the last year, act quickly. Often, insurance companies won’t cover any storm damage that’s over a year old. That’s why you see your neighbors getting new roofs immediately after a hail storm.

Take it Easy

Filing an insurance claim for roof damage in Minnesota can be daunting. That’s why we’re here for you. Exteriors by Highmark will help you navigate the insurance claim process, work directly with your insurance provider, file a claim for you, and ensure that your roof is restored to perfect condition.

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