08/07/2026
Hail storms last month throughout the Twin Cities caused significant damages to homes and vehicles. While some homeowners have moved ahead with replacing their roofs, others are still contemplating doing so.
Hail damage compromises a roof by stripping protective mineral granules, cracking or bruising materials, denting metal, and puncturing membranes. This weakens the roof's defense against water and UV rays, leading to eventual leaks, wood rot, and structural decay.
Should you decide to get your roof inspected for repairs, here are some steps you can take:
*Document the damage. Have a qualified roofing professional inspect it. Document everything. Take photos and videos of visible damage. Keep the date of the storm and any information you have about the storm. Get a detailed roofing estimate. Make sure the estimate identifies the damage and what needs to be repaired or replaced.
*Review your homeowners insurance policy. Find out your wind/hail deductible and whether you have replacement-cost coverage or actual-cash-value coverage. These can make a significant difference in what the insurer pays.
*Contact your insurance company and report the hail damage. Get a claim number and keep a record of every conversation, email, inspection, and estimate. Wait for the adjuster's inspection before making repairs or discarding damaged property.
If you’re approved by the insurer, seek estimates from licensed roofing companies and verify their liability insurance and worker's compensation. Ask about workmanship and material warranties. Confirm who pulls the local building permits.
The crew will deliver materials, tear off the old roof, repair any rotted wood decking, install new underlayment and shingles, and clean up the site. Keep receipts of the roof replacement for your records.
