Hail Damage Claims
Minnesota & Wisconsin Hail Damage — What You Need to Know
Hailstorms across Minnesota and Wisconsin can hit with almost no warning—leaving roofs bruised, siding cracked, and gutters dented. For 30+ years, Advanced Roofing & Siding has helped thousands of families navigate hail damage insurance claims the right way— documented, code-compliant, and backed by our GAF Master Elite® certification.
We understand the exact metrics adjusters use, the building codes required, and the documentation insurers expect—guiding you from inspection to final payment with no shortcuts and no storm-chaser tactics.
Why Hail Damage Matters (Even if You Can't See It)
Hail damage is often invisible from the ground but can cause serious long-term problems
Hail damage is often invisible from the ground. Granule loss, mat fractures, bruising, and protective-layer displacement weaken shingles and dramatically shorten roof life. Insurers classify hail as a "sudden and accidental loss," meaning it is generally covered—but only when properly documented and verified against the storm date.
In Minnesota and Wisconsin, hailstones commonly range from 1" to 2.5"+, strong enough to:
- Fracture asphalt shingle mats
- Break seal strips (causing future blow-offs)
- Damage vents, flashings, gutters, downspouts
- Crack siding panels, soffits, fascia
- Void manufacturer warranties if not promptly repaired
If left untreated, small hail impacts turn into major leaks—something insurers aim to prevent with timely replacement.
Our Process
Hail Damage Claim Process — Step by Step
Free Storm Damage Inspection
Our certified inspectors complete a thorough exterior evaluation, including roof, siding, gutters, windows, and soft metals.
Documentation & Storm Report Prep
Before you ever file a claim, we prepare everything insurers need upfront.
Filing the Insurance Claim (Guided Support)
We help you file the claim correctly the first time with all necessary information.
The Adjuster Meeting (We Attend For You)
This is where homeowners win or lose their claim. We meet the adjuster onsite to represent you.
Approval & Scope Review
We verify every item in your approved scope and submit supplements when needed.
Roof or Siding Replacement
Your project is installed by GAF-trained crews with manufacturer-approved installation.
Final Invoice & RCV Documentation
We finalize all documentation and submit to insurance for remaining depreciation.
What Insurance Typically Covers After Hail
Insurance is designed to restore your home to pre-storm condition
Roofing
- Full replacement if 7–10+ hail hits in a test square
- Shingle, ridge cap, starter strip, underlayment
- Ice & water shield (MN code minimum)
- Flashing, vents, pipe boots
- Rotted decking replacement
- Tear-off & disposal
Siding
- Hail-cracked panels
- Unmatched siding replacements (Minnesota has specific matching statutes)
- Full elevation replacement if discontinued materials
- Window trim, wraps, J-channel
Gutters & Exterior Metals
- Dented gutters/downspouts
- Damaged fascia/soffits
- Bent chimney or roof metals
Interior Damage (When Caused by Storm)
- Water stains
- Ceiling drywall
- Insulation
- Paint
Signs of Hail Damage (What We Look For)
If you notice any of these, call immediately
On Your Roof
- Bruising or soft spots
- Missing granules exposing asphalt
- Shingle fractures
- Lifted shingles or broken seals
- Impact-marks on vents, caps, or flashings
On Your Siding
- Cracks, chips, or breaks
- Denting on soft metals
- Warping from impact
On Your Property
- Damaged deck rails, AC unit fins, screens
- Granules in downspouts
- Impact marks on gutters
- Mulch displacement from hail impact
FAQ: Hail Damage Claims in Minnesota & Wisconsin
Common questions about the hail damage claim process
Do I need to file a claim immediately?
Yes. Most insurers require prompt reporting, and storm data is timestamped—delaying can hurt your claim.
Will my insurance rates go up?
Hail is a no-fault event. Rate increases affect entire regions, not individuals.
Do I have to use the contractor my insurance recommends?
No. You choose your contractor. Insurance cannot steer you.
How long do I have to file?
Typically 1 year from the storm date, depending on your carrier.
Can you help with denied or underpaid claims?
Yes. We can review the adjuster report, compare it to real damage, and submit documented supplements.
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GAF Master Elite® · 30+ Years in MN & WI · Insurance Claim Specialists
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