Kingsley waving
Ask the King 👑
Kingsley · Repair King’s AI assistant
Free roof inspections across the Twin Cities. Get your free Roof & Storm Report in 30 seconds →
Home / Insurance Claims
Insurance Claims · Minnesota & Illinois

Storm damage claims, documented right the first time.

A forensic roof inspection, a photo report of every hit, and a line-item estimate. Clear evidence for you and your insurer, and a licensed crew to build it.

5.0Rated 5 stars on Google55 reviews from real Twin Cities homeowners

Book a free roof inspection

No cost, no pressure. You get photos of everything we find.

Prefer to talk? (612) 354-7677
5.0 ★55 Google reviews
BC695228MN licensed contractor
$250KThird-party protection
Since 2009Twin Cities roofer
What you get from us

Thorough documentation. Honest construction.

You own the claim. Our job is to document the damage thoroughly and build the repair right.

Free damage inspection

Roof, siding, gutters and interior checked before you file.

Photo documentation

Every hail hit, crease and leak photographed and organized.

Detailed estimate

A line-item repair estimate in the format insurers use.

Adjuster inspection

With you present, we can attend the adjuster's inspection and show what we documented.

Hidden damage documented

If rot or damaged decking turns up during the job, we photograph it and share it with you.

One crew for the whole scope

Roof, siding, gutters and interior work under one contractor.

Straight talk about Minnesota lawMinnesota law does not allow a roofing contractor to negotiate your claim for you or waive your deductible, and anyone who promises that is a red flag. We document the damage, provide the estimate and build it right. Settling the claim is between you and your insurer (or a licensed public adjuster).
How it works with your insurer

You get one contractor and one point of contact.

After a storm you'll hear from your insurer, an adjuster, maybe a mortgage company. We keep the construction side simple: we document, we estimate, we build, and we keep you updated with photos the whole way.

  • You pay your deductible — nothing hidden
  • Photo updates at every stage
  • Clean job site and a final walkthrough
  • Licensed MN BC695228 · IL 104.019184 / 104.018729
Repair King crew on a commercial roof replacement in Forest Lake, MN
How it works

From storm damage to rebuilt in four steps.

Inspect

Free inspection and photo report before you call your insurer.

File

You file the claim with your insurer; we send them our documentation.

Adjuster visit

With you present, we can attend the inspection and show our documentation.

Build

Once your claim is settled, we schedule, build and walk the finished job with you.

Same storm. Same $32,000 roof.

Would your policy leave you paying $2,000, or $22,700?

Many Minnesota homeowners are being moved to roof payment schedules without realizing it. Same hail, same damage, same roof. The only difference is the fine print, and it can cost you more than a new car.

TRADITIONAL POLICY · REPLACEMENT COST
YOU PAY
$2,000
Insurance $30,000

Your deductible, and that's it.

NEWER POLICY · ROOF PAYMENT SCHEDULE
YOU PAY
$22,700
$9,300Out of your pocket $22,700

15-year-old roof, schedule pays 40%, minus a 1% wind/hail deductible.

That's 11× more out of your pocket, on the exact same roof.
Your roof gets older every renewalOn a payment schedule, every birthday your roof has lowers what the policy pays.
Damage you don't know about can't help youHail hits that are found and dated now are handled under the policy you have now.
Two minutes tells you where you standLook for "roof surface payment schedule" or "ACV roof" on your declarations page, or ask your agent.

Illustrative example with round numbers. Depreciation, schedule percentages and deductibles vary by insurer, policy, endorsement, roof age and material. Education, not insurance or legal advice. Talk with your licensed agent about your coverage.

Free for homeowners

Know what impacted your home before you make a single call.

Four things we give every homeowner at no cost and with no obligation. Keep them whether or not you hire us.

FREE

Storm History Report

A dated record of the hail and severe wind events that crossed your exact address.

  • Dates of past hail storms
  • Estimated hail size at your property
  • When your home was last hit
FREE

Forensic Roof Inspection

A hands-on inspection of your roof, siding, gutters and soft metals, done to a documentation standard.

  • Hail hits chalk-marked and measured
  • Test squares and slope-by-slope checks
  • Wind creases and lifted shingles
FREE

Photo Damage Report

Every finding organized in a photo report that's yours to keep and share with anyone you choose.

  • Close-up and wide photos
  • Damage labeled by location
  • Plain-English summary
FREE

Written Estimate

A line-item repair or replacement estimate, so you know the real scope and cost before you decide anything.

  • Itemized materials and labor
  • Repair vs. replace options
  • No pressure, no expiration games
Get My Free Roof & Storm ReportInstant: enter your address for a roof price estimate plus your storm history.
Real reviews

What homeowners say.

5.0
★★★★★55 Google reviews · Saint Paul
★★★★★Mike came to do an assessment. He caught concerns others had missed. He was professional and polite but very kind. I would recommend him 100%.
Darla N.Google review · May 2022
★★★★★Mike stopped by soon after I contacted Repair King to ask for an estimate on a leaking porch roof. He took the time to inspect the area and explain all the options and give advice for next steps.
Kurt Z.Google review · Oct 2025
Questions

Straight answers.

Will insurance pay for my new roof?

If a covered event like hail or wind damaged your roof, your policy may pay for repair or replacement minus your deductible. The amount depends on your policy and the damage your adjuster documents.

Do I call my insurance company or a roofer first?

Get a free inspection first. It tells you whether there's enough damage to file, so you don't open a claim for nothing.

Can you pay or waive my deductible?

No. Minnesota law requires you to pay your deductible, and a contractor who offers to cover it is breaking the law. We'll always be upfront about what you owe.

What if my claim is denied or the amount is too low?

Talk to your insurer or agent about their process. You can share our photo report and estimate with them, and a licensed public adjuster can represent you if you want help with the claim itself.

Related services
Over-communication is our standard

You'll never have to wonder what's happening.

The #1 complaint about contractors is "they stopped calling me back." Our system texts and emails you at every step, from the moment you book to the final walkthrough.

Appointment confirmed

Text and email confirmation the moment you book, plus a reminder before we arrive.

"You're booked for Tue 10 AM ✓"

On our way

A heads-up text when your inspector or crew is headed to your home. No waiting around.

"On our way, 20 min out"

Photos of everything

You see what we see: a photo report of every finding, yours to keep.

"Your photo report is ready"

Every stage, updated

Materials ordered, crew scheduled, install day, final walkthrough. You hear about each step as it happens.

"Materials delivered for Thursday"

A real person answers

Questions? Call or text and talk to our team, not a phone tree.

"Got it, we'll check and text you back"

Informed at every step. That's the Repair King standard.

Storm hit? Leak showing up? Let's look at it this week.

Free inspection, photo report, straight answer.

UP NEXTShould I file a claim for hail damage?