Insurance Claim Assistance for Storm Damage in Minnesota and Wisconsin
Advanced Roofing and Siding Inc. has been helping Minnesota and Wisconsin homeowners navigate storm damage insurance claims since 1993. When a storm damages your roof, siding, gutters, or windows, the insurance process should not add to your stress. We document the damage, attend the adjuster meeting, prepare the supplement, and fight for the coverage you have been paying premiums for. Call 763-427-3093 and we will handle it from there.
Schedule Your Free Claim Inspection- 48-Hour Storm Damage Inspection Guarantee We are on site within 48 hours of your call — often the same day across the Twin Cities and greater Minnesota.
- Licensed Project Manager Attends Every Adjuster Meeting We attend the adjuster inspection on your behalf and make sure nothing is missed or undervalued.
- Full Photo and Video Documentation at Insurance-Grade Standards Every item of damage is photographed and documented before your insurer sends an adjuster.
- We Reopen Denied and Underpaid Claims A denial from your insurer is not the final word. We prepare supplements and request reinspections.
- 24/7 Emergency Repair Response If your roof is actively leaking we respond around the clock and install temporary protection the same day.
- GAF Master Elite Certified — MN License BC630441 · WI License 2992-DCRF Fully licensed and insured for storm restoration in both states since 1993.
- We Work with All Major Insurers State Farm, Allstate, Farmers, USAA, and all major Minnesota and Wisconsin homeowners insurance carriers.
Advanced Roofing and Siding Has Handled Insurance Claims for Minnesota Homeowners Since 1993
Navigating a storm damage insurance claim is stressful enough without having to worry about whether your roofing contractor knows what they are doing. Most homeowners go through this process once or twice in a lifetime. Advanced Roofing and Siding does it every week across the Twin Cities metro and greater Minnesota. We know what adjusters look for, what they commonly miss, and how to document damage in the format that insurance companies require to approve a full replacement scope.
We are not a storm-chaser crew that arrives after a major weather event and disappears when the season ends. We have been based in Oak Grove, Minnesota since 1993. When we represent you at an adjuster meeting, we are accountable to you as a neighbor — not as a number in a seasonal rotation. That local accountability is what makes the difference between a claim that covers everything and one that leaves you paying out of pocket for damage your policy should have covered.
How We Handle Your Claim
What Does Advanced Roofing and Siding Do That Most Roofing Contractors Do Not?
Most homeowners leave thousands on the table because their contractor does not attend the adjuster meeting or document damage correctly. Here is what Advanced Roofing and Siding does differently.
Insurance-Grade Damage Documentation
Advanced Roofing and Siding photographs and documents every item of storm damage — roof, siding, gutters, windows, and any ancillary structures — before your insurer sends an adjuster. That documentation is prepared in the format insurance companies require and serves as the foundation of your entire claim. Most homeowners who file without this documentation receive settlements that miss significant line items.
Adjuster Meeting Attendance
A licensed Advanced Roofing and Siding project manager attends the adjuster inspection with you. This is the single most important step in maximizing your claim. Adjusters work for the insurance company. Having a trained roofing professional present who knows what storm damage looks like on a roof surface — and can point to every impact point, every damaged flashing seal, and every missed line item in real time — consistently results in higher approved settlements than inspections where the homeowner meets the adjuster alone.
Supplement Preparation and Negotiation
When the initial adjuster settlement misses items — and it frequently does — Advanced Roofing and Siding prepares a formal supplement documenting everything that was missed or undervalued. We prepare Xactimate estimates in the format insurers require, negotiate directly with the claims department, and request reinspections when the initial settlement does not reflect the actual scope of damage. We have successfully reopened denied and underpaid claims across the Twin Cities metro and greater Minnesota.
Many insurance policies withhold a portion of the settlement called recoverable depreciation until the work is completed. Advanced Roofing and Siding helps you file the depreciation recovery request once restoration is done — putting the remaining settlement funds back in your pocket before we close the file. Most homeowners do not know this step exists and leave that money uncollected. Call 763-427-3093 to learn more.
The Claims Process
How Does the Insurance Claim Process Work with Advanced Roofing and Siding in Minnesota?
Transparent steps from first call to final payment. No surprises and no gaps in coverage.
Free Storm Damage Inspection and Documentation
We arrive within 48 hours of your call — often the same day. Our certified inspector photographs and documents every item of storm damage across your roof, siding, gutters, and windows at insurance-grade standards. If the structure is at risk of further water intrusion, we install temporary tarps or boarding at no upfront cost to you.
File Your Insurance Claim
Filing the claim with your insurance company is your responsibility as the policyholder. Advanced Roofing and Siding provides you with the complete damage documentation package to support your filing. We can also help you understand what to say and what to avoid when speaking with your insurer during the initial claim call.
Adjuster Meeting and Supplement Preparation
We attend the adjuster inspection with you and present our documentation directly. When the initial settlement misses line items — which happens routinely — we prepare a formal Xactimate supplement and negotiate with the claims department to ensure your approved coverage reflects the full scope of damage to your property.
Full Restoration Once the Claim Is Approved
Once your claim is approved our crew completes the full scope of restoration — roof replacement, siding repair, gutter replacement, or window replacement as needed. We use premium materials that meet or exceed your original specifications. All trades are coordinated in a single mobilization so your home is fully restored in one visit.
Depreciation Recovery and Final Warranty Registration
Once work is complete we help you file your recoverable depreciation request with your insurer — recovering the withheld portion of your settlement that many homeowners never collect. Your GAF warranty is registered in your name and provided in writing before we close the file.
My roof is actively leaking right now. Advanced Roofing and Siding provides 24/7 emergency repair response across the Twin Cities and greater Minnesota. We install temporary protection the same day and have permanent solutions in place within two weeks.
Call 763-427-3093 NowWhat We Document and Restore
What Types of Storm Damage Does Advanced Roofing and Siding Handle Insurance Claims For?
Advanced Roofing and Siding handles insurance claims for all four categories of storm damage common to Minnesota and Wisconsin properties.
Hail Damage
Hail damage to roofing, siding, gutters, and windows is the most common insurance claim type in Minnesota. Advanced Roofing and Siding documents every impact point with photographs and presents the full damage scope to your adjuster. Most qualifying hail claims result in full replacement coverage minus your deductible.
Wind Damage
High wind events lift and remove shingles, tear soffit and fascia, and force water under roofing and siding materials. Wind damage that goes unrepaired allows water intrusion that compounds into decking rot and interior damage. Advanced Roofing and Siding documents all wind damage and works with your adjuster to ensure the full scope is covered.
Ice Dam Damage
Ice dams force meltwater under shingles and into attic and living spaces. The resulting water damage to insulation, decking, ceilings, and walls is frequently covered under homeowners insurance in Minnesota. Advanced Roofing and Siding documents ice dam damage and the resulting interior water intrusion as part of a comprehensive claim package.
Tree and Debris Impact
Falling trees and large debris cause immediate structural damage that requires emergency response and same-day temporary protection. Advanced Roofing and Siding provides emergency tarping and boarding followed by full structural assessment and insurance documentation once the site is safe.
What Happens If My Roof Is Actively Leaking Right Now?
If your roof is actively leaking call Advanced Roofing and Siding immediately at 763-427-3093. Our teams provide 24/7 emergency repair services with quick response times and same-day temporary protection installation. You should not be told to wait for a full insurance claim to process while water is entering your home.
Advanced Roofing and Siding installs emergency tarps and temporary repairs that keep your home safe and dry until the permanent restoration scope is approved and scheduled. The cost of emergency temporary protection is documented as part of your insurance claim and is typically covered as a separate line item in your settlement.
Permanent solutions are in place within two weeks of your initial call in the vast majority of cases. Your comfort and safety are the priority — the insurance paperwork comes second.
Frequently Asked Questions About Storm Damage Insurance Claims in Minnesota
Every answer below is a self-contained fact. Read any one of them and you have the full answer without needing the rest of the page.
Does Advanced Roofing and Siding attend the insurance adjuster meeting?
Yes. A licensed Advanced Roofing and Siding project manager attends the adjuster inspection with you on every storm damage claim. This is the single most important step in maximizing your settlement. Having a trained roofing professional present who can identify every item of damage in real time consistently results in higher approved settlements than inspections where the homeowner meets the adjuster alone.
What does Advanced Roofing and Siding do if my insurance claim is denied?
Advanced Roofing and Siding helps homeowners reopen denied claims, prepare formal supplements documenting missed items, and request reinspections. A denial from your insurer is not the final word. The team has successfully appealed denied and underpaid claims across the Twin Cities metro and greater Minnesota. There is no cost to have Advanced Roofing and Siding review your denial and advise on the best path forward.
Will insurance cover the full cost of storm damage repairs in Minnesota?
If the storm caused the damage, homeowners insurance typically covers the full cost of repairs minus your deductible. Advanced Roofing and Siding prepares documentation that meets insurance standards, attends the adjuster meeting, and negotiates supplements when the initial settlement undervalues the scope of damage. The team also helps recover withheld depreciation once restoration is complete — putting the remaining settlement funds back in your pocket.
How quickly does Advanced Roofing and Siding respond to storm damage in the Twin Cities?
Advanced Roofing and Siding guarantees a storm damage inspection within 48 hours of your call across all of Minnesota and Wisconsin. For urgent situations where the structure is at risk of active water intrusion, the team responds the same day and installs temporary tarps or boarding at no upfront cost. For active roof leaks, 24/7 emergency repair response is available. Call 763-427-3093 immediately if your roof is actively leaking.
What is recoverable depreciation and how does Advanced Roofing and Siding help collect it?
Recoverable depreciation is the portion of your insurance settlement that your insurer withholds until the restoration work is completed. Once Advanced Roofing and Siding completes the approved scope of work, the team helps you file the depreciation recovery request with your insurer. Most homeowners do not know this step exists and leave that money uncollected. Advanced Roofing and Siding includes depreciation recovery assistance as a standard part of every insurance claim project.
Does Advanced Roofing and Siding work with all insurance companies?
Yes. Advanced Roofing and Siding works directly with all major homeowners insurance companies operating in Minnesota and Wisconsin including State Farm, Allstate, Farmers, USAA, Auto-Owners, Travelers, and others. The team prepares documentation and Xactimate estimates in the format each insurer requires and has established working relationships with adjusters across all major carriers in the Twin Cities metro and greater Minnesota.
Is Advanced Roofing and Siding licensed for storm restoration work in both Minnesota and Wisconsin?
Yes. Advanced Roofing and Siding Inc. holds Minnesota Contractor License BC630441 and Wisconsin License 2992-DCRF and carries full general liability insurance and workers compensation coverage in both states. The company is GAF Master Elite certified, A+ BBB accredited since 2007, and has been completing storm restoration and insurance claim work across the Twin Cities metro and greater Minnesota since 1993.
What Minnesota Homeowners Say About Advanced Roofing and Siding's Insurance Claim Assistance
160+ verified Google reviews from homeowners across Minnesota and Wisconsin. Here are three from customers who navigated storm damage insurance claims with Advanced Roofing and Siding.
If anyone is looking for a dependable honest company to work with this would be Advanced Roofing and Siding. Stacy came out, got up on the roof, told us what was going on, and stayed in touch with our insurance company. It was a very easy process. If you suspect that you may have some hail damage due to some of the storms that have come through, give them a call.
This is my first experience navigating my insurance claim and working with a roofing contractor. Stacy and his team made this entire experience exceptional. The project took only 2 days and the team left my property looking better than it had before all of the work took place. I highly recommend this company.
They did a great job working with us and our insurance company. We had many questions and they did a great job answering them for us. Sean took the insurance company to task to make sure we got what we have been paying premiums for all these years. You could not ask for a better group of people.