The questions Minnesota homeowners actually ask about hail, roofs and insurance
Real questions from calls, inspections and homeowners online, answered by a licensed St. Paul contractor with the Minnesota statute, court case or code section behind each answer.
Repair or replace
My insurance says only 14 shingles are damaged. Can they just repair them?
Sometimes a spot repair works and sometimes it can't be done right: it depends on whether your existing shingles can be lifted without cracking, whether matching shingles are still made, and whether the repair can meet Minnesota's building code.
Read the answer →Can brittle shingles be repaired?
Often not without causing more damage.
Read the answer →Insurance basics
What happens when replacement siding or shingles don't match? Is Minnesota a matching state?
Minnesota has no statute that specifically requires insurers to replace undamaged siding or shingles so everything matches; whether matching applies comes down to the wording of your policy.
Read the answer →Does insurance pay for roof decking in Minnesota?
It depends on your policy and on what Minnesota's building code requires for your roof.
Read the answer →Minnesota code
Does Minnesota code require house wrap (a water-resistive barrier)?
Yes.
Read the answer →Is ice and water shield required on roofs in Minnesota?
Yes.
Read the answer →Can you put new shingles over old shingles in Minnesota?
Sometimes, but it's limited and rarely the best choice.
Read the answer →Hail & storm damage
Before you file
Should I file an insurance claim for hail damage?
That decision is between you and your insurance agent, and Minnesota law doesn't allow a roofing contractor to make it for you.
Read the answer →How long do I have to file a hail damage claim in Minnesota?
For hail, plan on one year from the storm date.
Read the answer →This is general information about Minnesota law and building code, not insurance or legal advice. How it applies to your home depends on your policy and your situation; your insurance agent or an attorney can tell you. Minnesota law doesn't allow roofing contractors to negotiate claims for homeowners, so Repair King's role is inspection, documentation and the construction work.
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