Twin Cities Hail Damage Roof Repair & Insurance Claims Help
Imagine Tiger Woods driving a thousand golf balls at your roof and you'll have a good idea of how a severe hail storm can harm shingles and other roof elements such as skylights, gutters, and vent hoods.
Hail & Storm Repair Services
Free, thorough inspection of your roof for storm damage. Coverage includes shingles, gutters, skylights, flashing, vent hoods, vent stacks, chimney caps, and chimneys. Free estimates for all recommended roof repairs and prompt expert repair or replacement of storm-damaged elements.
Hail Damage to Asphalt Shingles
Shingles can have broken or cracked tabs, but the most common hail damage is crushed or dented areas where granules are forced into the shingle mat or displaced. Granule loss shortens shingle life by exposing the mat to UV.
Hail Damage to Wood & Slate
Wood shingles can crack along the grain from hail impacts. Slates can crack randomly and may break loose from their fasteners and slide off the roof.
Frequently Asked Questions
How do I know if my roof has hail damage?
Signs include dented or cracked shingles, granule loss, damaged gutters, and dented flashing. Lakewoods Remodeling offers free inspections to identify all hail damage.
Will insurance cover hail damage roof repair?
Most homeowner policies cover hail damage. We work directly with your insurance adjuster to document damage and ensure full claim coverage.
How quickly can you repair hail damage?
We respond within 24 to 48 hours for inspections and can begin repairs as soon as your insurance claim is approved. Emergency tarping is available immediately.
Will my insurance rate go up if I file a hail claim?
In Minnesota it is illegal for an insurer to raise your individual premium or cancel your policy because you filed a claim for storm damage, which is treated as an Act of God. Rates can move for an entire region after a major storm, but you are not singled out for using the coverage you already pay for. We recommend a free inspection first so you only file when the damage genuinely warrants a claim.
Do you offer roof leak inspections in the Twin Cities?
Yes. We provide free roof leak inspections across Minneapolis, St. Paul, Eden Prairie, Bloomington and the surrounding metro. Hail and wind damage often creates slow leaks that stay hidden for months, so we check shingles, flashing, valleys, and the attic side for early moisture before it reaches your ceilings. Book a free roof inspection at /roof-inspection or call (952) 888-5550.
What is the difference between RCV and ACV on a hail claim?
RCV (Replacement Cost Value) pays to replace your roof with new materials at today's prices. ACV (Actual Cash Value) pays only the depreciated value of the old roof, so you cover the gap out of pocket. Most Twin Cities homeowners carry an RCV policy. On an RCV claim the insurer usually pays the ACV amount first, holds back the depreciation, and releases that held depreciation after the work is done and they receive our final invoice. Your deductible always comes out of your share. Check your declarations page for the words Replacement Cost or Actual Cash Value, and we will read it with you at the free inspection.
What happens at the insurance adjuster meeting?
The adjuster your insurer assigns comes out to inspect the roof and write their estimate. We meet them on the roof and walk the full property so hail impacts, wind-lifted shingles, dented gutters, crushed AC fins, and damaged vents all get documented, not just the obvious spots. Their first estimate is often incomplete and can miss Minnesota code items like ice-and-water shield or proper ventilation, so we file supplements with photos and code references to correct the scope. We work directly with the adjuster, but we never guarantee a claim will be approved or promise any specific payout.
How long does a hail damage roof replacement take after the claim is approved?
Once the claim is approved and the scope is agreed, a straightforward asphalt re-roof is usually one to two days on site. Larger or steeper roofs run two to three. Getting to that point depends on your insurer's timeline for the adjuster meeting and approval, which is why we recommend a free inspection first: it tells you whether you have a legitimate claim before the clock starts. We handle the City of Bloomington, City of Minneapolis, and St. Paul Department of Safety and Inspections permit process end to end. See /roof-repair for isolated storm repairs and /roof-inspection to book the first look.