Insurance claim help
We handle the documentation. You keep control.
The insurance process can feel like a maze. We guide you through it step by step, document everything properly, and advocate for a complete, fair scope of work.
How a roofing insurance claim actually works
If a storm damaged your roof, your homeowner's policy may cover repair or replacement, minus your deductible. The challenge is that the size of your settlement depends almost entirely on how thoroughly the damage is documented and how well the scope is negotiated. That is where a careful, honest contractor makes a real difference.
Here is the path most claims follow, and how we support you at each step.
Free inspection and documentation
We inspect your roof and exterior, photograph all damage, and take measurements. You get an honest read on whether you have a legitimate claim before you ever call your insurer.
You file the claim
You contact your insurance company and file, since the policy is between you and your carrier. We give you the documentation and the date of loss details to make it easy.
We meet your adjuster on site
We are there when the carrier's adjuster inspects, so the damage we found is the damage they see. This single step prevents a lot of missed scope.
We supplement if needed
If the carrier's scope misses items or underprices the work, our on-staff HD3 supplement specialists document and request a fair adjustment, backed by evidence.
We complete the restoration
Once the scope is approved, we order materials and complete the work to code, on time, with your manufacturer warranty registered and our guarantee in place.
Know your rights
What Minnesota, Wisconsin, and Kansas law says
No deductible games
Minnesota law (Minn. Stat. 325E.66) makes it illegal for a contractor to pay or rebate your insurance deductible. We never will. Anyone who offers to is breaking the law.
Your right to cancel
If your insurer denies your claim, Minnesota, Wisconsin, and Kansas law let you cancel a roofing contract within the timeframes the statutes allow. You are not trapped.
Who can negotiate
In Minnesota, only you, a licensed public adjuster, or an attorney can negotiate your settlement. We document and advocate, and we are clear about that line.
A note on honesty
We are roofing contractors and storm-restoration specialists, not public adjusters or attorneys. Our job is to document your damage thoroughly, install your roof correctly, and advocate for a complete scope. For questions about your specific policy or a denied claim, the Minnesota Department of Commerce, the Wisconsin Office of the Commissioner of Insurance, and a licensed public adjuster are good resources.
Good to know
Insurance claim questions
Rate impacts depend on your carrier, your history, and whether the loss is weather-related. Many storm claims are treated differently from at-fault claims. Ask your agent. We will give you an honest inspection so you can decide whether filing makes sense.
No. Paying or rebating a deductible is illegal in Minnesota under Minn. Stat. 325E.66. The deductible is your responsibility, and any contractor who offers to cover it is breaking the law and signaling how they operate.
A supplement is a documented request to your insurer to add missed items or correct underpriced work in the approved scope. Our HD3 specialists handle this with evidence, so your claim reflects the true cost of a proper repair.
You have options. You can request a re-inspection, involve a licensed public adjuster, or, under MN and WI law, cancel a roofing contract tied to the denied claim within the allowed timeframe. We will walk you through it honestly.
Yes. Your insurer may suggest a preferred vendor, but the choice of contractor is yours. You are free to hire the roofer you trust to do the work right.
Think you have storm damage?
Start with a free, honest inspection. We will tell you whether you have a claim before you ever pick up the phone with your insurer.
Or call and talk to a real roofer now: (763) 234-4743