Most of what gets written about Minnesota roof claims is repeated secondhand, and some of it is simply wrong — including the statute number half the industry cites for “the matching law.” These pages quote the statute and the adopted building code directly, and link you to the official text so you can check us.
Written for the homeowner who wants the actual rule, not a sales pitch with a statute number stapled to it.
A Minnesota contractor cannot pay or waive your deductible, cannot interpret your policy for you without a public adjuster license, and must hand you an itemized estimate before you…
Read the guide →Minnesota requires an ice barrier running from the eave to a point at least 24 inches inside your exterior wall line — measured inside the wall, not from the gutter. On roofs 8:12 and…
Read the guide →Sign at your door and you have until midnight of the third business day to cancel, no reason needed. Separately, if a contract is to be paid from insurance proceeds and your claim gets…
Read the guide →If somebody is roofing Minnesota homes for money, they need a state licence, and you can verify it free in the Department of Labor and Industry lookup. There is a small-operator exemption…
Read the guide →Ice dams come from warm air leaking out of your house into the attic, melting snow from underneath. The melt runs down and refreezes at the cold eave. The Minnesota Department of Commerce…
Read the guide →Where the building code identifies a moderate hail area, asphalt shingles may not be applied over an existing roof covering — so a re-roof is a full tear-off down to the deck. If a…
Read the guide →The Minnesota State Building Code requires shingles designed for a 90 MPH wind speed. West St. Paul publishes a notice that shingles not meeting that are for sale locally and that very few…
Read the guide →Your contractor pulls the permit, not you, and it should already be priced into the quote. The city then inspects the work, which is the only independent check anyone performs on your roof.…
Read the guide →One inch is where the Weather Service calls hail severe, and roughly where asphalt shingles start taking real damage — but it is a threshold, not a line. An old, brittle roof can be…
Read the guide →Four of the biggest cost drivers on a Minnesota roof are code, not preference: a full tear-off where the building code identifies a moderate hail area, an ice barrier running at least 24…
Read the guide →Replacement cost pays what it costs to replace the roof. Actual cash value pays that minus depreciation for the roof’s age and condition — and on a twenty-year-old roof,…
Read the guide →If you signed a contract to be paid out of insurance proceeds and the claim is then denied, you have 72 hours from being notified to cancel that contract, and the contractor has ten…
Read the guide →Hail arrives at an angle, so siding damage concentrates on the elevations facing the storm — and an adjuster who inspected the roof may not have walked all four sides. Check the same…
Read the guide →Re-siding needs a permit. When the old siding is off, any rotted or damaged sheathing, framing and insulation has to be replaced. A separate inspection is required for the water-resistive…
Read the guide →Every sleeping room, basement and habitable attic needs at least one emergency escape and rescue opening. The window must give a net clear opening of at least 5.7 square feet — 5…
Read the guide →Water on the room side of the glass is moisture from inside your house meeting a cold surface. The University of Minnesota lists window condensation first among the symptoms of excess…
Read the guide →Ice dams form because warm air leaks out of your house into the attic and melts snow from underneath. The Minnesota Department of Commerce states plainly that roofing, ventilation and…
Read the guide →Gutters are thin aluminium, so they record hail faithfully — which is why adjusters use soft metal to confirm that hail of a given size actually hit your property. Check the gutter…
Read the guide →The Minnesota Department of Commerce puts the target at a minimum of R-50 in the attic, with air leaks sealed first using caulking or expanding foam. Insulation slows heat that moves…
Read the guide →Look for granule loss, cupped or cracked shingles, bare spots on south and west slopes, and anything in the attic — daylight, staining, damp sheathing. Minnesota is hard on roofs:…
Read the guide →Pane count, coating and gas fill are means to an end, and the end is the U-factor — lower insulates better, which is what matters in a heating climate like ours. The NFRC label on the…
Read the guide →A manufacturer warranty covers the shingle. A workmanship warranty covers the installation, and it is only as good as the company still being there. On top of both, Minnesota law gives you…
Read the guide →An insert window sits inside the existing frame, so the new unit is smaller than the old one and you lose glass on every side. That is usually cosmetic — except in a sleeping room,…
Read the guide →Make it safe and stop further water getting in — temporary protection is normally covered, and keep the receipts. Photograph everything, by elevation, with something for scale, before…
Read the guide →Four things move a siding price: the material, the amount of trim and detail on the house, the condition of the sheathing underneath, and the barrier and flashing work that goes on before…
Read the guide →The biggest driver is method, not product. A full-frame replacement goes to the rough opening and costs more; an insert fits inside the old frame and costs less but leaves the frame and…
Read the guide →Base cost is linear feet times material. What changes it is the number of downspouts, the height and access, whether the fascia behind the old gutter is sound, and whether the work is being…
Read the guide →Your policy sets the notice requirement, and separately the standard hail policy in Minnesota statute carries a one-year period to bring suit — commonly repeated as two years, which…
Read the guide →A straightforward asphalt re-roof on an average house is usually one day, two if it is large, steep or cut up. Move vehicles out of the driveway and anything fragile off the attic floor and…
Read the guide →Costs, materials, timelines, financing, warranties, and how we work — across roofing, siding, windows, and gutters.
Read the FAQ →How we inspect, document, and present hail and wind damage — and how to tell whether you actually have a claim.
Storm restoration →Minnesota BC807855, Wisconsin 2590-DCFR, Owens Corning Preferred Contractor, CAI-MN member.
Verify us →Reading is free. So is the estimate. Tell us about the property and we’ll come look at it.
We’ll walk the roof, photograph what we find, and hand you a written scope that names the code requirement behind every line. Yours to keep, whoever does the work.
We measure the work by how it holds up — and by what clients say once we're gone.