Storm damage? The burden of proof is on you.
After hail or wind, your policy puts it on you to show what was damaged. Our forensic roof inspections document every hit on your roof, siding, gutters and soft metals, so nothing gets overlooked. Twin Cities hail and storm damage roofing since 2009.
Book a free roof inspection
No cost, no pressure. You get photos of everything we find.
Your hail clock is already running.
Many Minnesota policies give you one year from the storm date for hail. Pick your storm and watch how much time is really left once winter takes its share.
Storm dates: local weather and meteorology reports (1″ or larger in the Twin Cities area). Winter: local weather records for Minneapolis-St. Paul, 30 winters, July 1996 to June 2026: an average of 107 days a year never get above 40°F (range 76 to 136). General information, not legal advice. Your policy's "Suit Against Us" section sets your actual deadline, and some claims get two years (Minn. Stat. §65A.01) instead of one (§65A.26).
homeowners insurance claims closed with $0 paid at some of America's largest home insurers in 2025.1
You can't control the storm. You can control the documentation.
A quick look vs. a forensic inspection.
Most storm damage isn't missed because it isn't there. It's missed because nobody documented it. Flip the switch to see what a forensic inspection can include.
Every home and every storm is different, so the steps and tools we use vary by property.
- Street view of the property and photos of every elevation
- Every door, window, screen and piece of flashing checked
- Every soft metal checked for dents: vents, caps, gutters, AC fins
- Oxidation marks read to help show hail size and direction
- Storm date, direction, wind speed and how long it sat over your home
- Multiple radar systems and meteorology reports cross-checked
- Prior inspection photos used for comparison, when we have them
- Past permits reviewed to see when work was last done
- Roof, decking, attic and interior checked
- Minnesota code, International Building Code and manufacturer install specs
- Digital microscope close-ups of impacts, when needed
- Thermal imaging of the roof, walls and floors, when needed
- Digital mapping and 3-D rendering of the home, when needed
- Roof measured by satellite and drone
- All of it put together into one report that tells your home's story
We don't guess. We measure.
When a property needs it, we bring thermal cameras, moisture meters and drone scans to find damage your eyes can't see, and document it.
Same roof. Same storm. Documented right.
An example of how much a first estimate can miss, and what thorough documentation can add. Real client comparisons coming soon.
- Ice & water barrier to MN code
- Drip edge
- Step flashing
- Gutters & downspouts
- Window screens
- Siding: north elevation
Good documentation helps everyone.
Your policy puts it on you to show what was damaged. Clear, organized evidence makes that easy for you, easy for your adjuster to review, and fast to resolve. That's what we build on every storm job.
We're a licensed roofing contractor (MN BC695228), not a public adjuster or law firm. We inspect, document and build.
- Photo report organized by slope and elevation
- Measured hail hits and test squares
- Storm date and hail size for your address
- Line-item repair scope to Minnesota code
Myth or fact? Test your storm IQ.
Six things Minnesota homeowners get wrong after a storm, and what they cost.
"If my roof isn't leaking, the hail didn't damage it."
Hail bruises the mat, knocks off granules and breaks shingle seals. Leaks often show up a season or two later.
"1-inch hail is too small to worry about."
The National Weather Service calls 1-inch hail severe. Research from the Insurance Institute for Business & Home Safety (IBHS) found repeated smaller hail weakens shingles over time.
"Minnesota law puts a time limit on property insurance claims."
For hail, plan on one year from the storm date: many Minnesota policies use a one-year hail limit (Minn. Stat. § 65A.26), while most other damage gets two years. Notice is due sooner, usually promptly. Check your policy.
"Every policy pays full replacement cost for a damaged roof."
Minnesota Commerce warns that some policies now pay depreciated value on older roofs or exclude cosmetic damage. Know what yours says before a storm.
"The first estimate is always the final number."
Estimates can be updated when more damage is found and documented. That's why a thorough inspection up front matters.
"A free inspection means I have to file a claim."
No. You get the photos and the facts, then you decide. No cost, no obligation.
Now find out what actually hit your roof.
Free storm history for your address: dates, hail size and what it means for your roof.
Get My Free Roof & Storm ReportEvery surface a storm hits.
A storm inspection is more than a look at the shingles. We check everything your claim may include.
Shingles
Hail bruises, granule loss, cracks, and wind-creased or missing shingles.
Vents, caps & metals
Dented roof vents, flashing and ridge caps — the easiest proof of hail size.
Siding
Cracked, holed or dented vinyl, steel and fiber-cement siding.
Gutters & downspouts
Dents, splits and pulled hangers from hail and wind.
Soft metals & screens
AC fins, window screens and trim that show how hard it hit.
Interior
Ceiling stains and attic moisture from water getting past a damaged roof.
Insurance claims have deadlines. Damage doesn't wait.
Many homeowners policies require you to report storm damage within a set time after the storm. Waiting also lets small damage turn into leaks, rot and interior damage. A free inspection and storm history report show you what hit your home and when.
- Free inspection with a photo report you keep
- Chalk-marked, measured hail documentation
- Free storm history report for your address
- Emergency tarping when a storm opens up the roof
From storm to restored in four steps.
Free storm inspection
Roof, siding, gutters and soft metals checked and photographed.
Know your options
We show you every documented hit and explain what we found.
Full documentation
Photo report and line-item estimate you can share with your insurer.
Restore
Roof, siding and gutters replaced to match — one crew.
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.
Your deductible, and that's it.
15-year-old roof, schedule pays 40%, minus a 1% wind/hail deductible.
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.
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.
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
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
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
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
Storms don't stay in the city. Neither do we.
We're based in the Twin Cities and serve homeowners wherever the storm hits. Every light on this map is a real Repair King customer.
What homeowners say.
My insurance agent called him after we were hit by a storm and he was on site to assess our roof within 5 hours — even with the 2 hour drive to Rochester.
We reported a leak in the roof and he was at the house in less than an hour to fix it. It was raining and windy but Mike said the work was urgent and got it done.
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%.
Straight answers.
How do I know if hail damaged my roof?
Look for dents on gutters, vents and downspouts, and granules collecting at the bottom of downspouts. Shingle damage is hard to see from the ground, so the only way to know is a close inspection. Ours is free.
How long do I have to file a storm damage claim?
For hail, plan on one year from the storm date. Minnesota law allows two years to sue on most property claims (Minn. Stat. § 65A.01), but a separate hail statute allows one year (§ 65A.26), and many policies now use it for hail. Notice of damage is due sooner, usually promptly. Check the Suit Against Us section of your policy or ask your agent, and get an inspection as soon as you can after a storm.
Will filing a claim raise my rates?
Storm claims are usually treated as weather events rather than fault-based claims, but every insurer is different. Ask your agent. An inspection doesn't commit you to filing anything.
Do you serve Rochester and St. Cloud?
Yes. We handle storm damage across the Twin Cities metro and in Rochester and St. Cloud, plus Naperville and the western Chicago suburbs from our Illinois office.
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.
- Weiss Ratings analysis of NAIC data, homeowners claims closed with no payment, 2025
- National Insurance Crime Bureau, U.S. hail loss claims 2017–2019
- Insurance Federation of Minnesota, via Star Tribune, Apr 2024
- Minnesota Department of Commerce consumer alert on wind/hail coverage
- J.D. Power 2025 U.S. Property Claims Satisfaction Study
- Minn. Stat. § 65A.01, subd. 3 (two years) and § 65A.26 (hail, one year)
- National Weather Service severe-hail criterion (1 in., 2010); IBHS sub-severe hail research, 2025
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