Hailstorms across Minnesota and Wisconsin can hit with almost no warning—leaving roofs bruised, granules displaced, siding cracked, gutters dented, and homeowners unsure what to do next. For more than 20 years, Advanced Roofing & Siding has been the trusted partner for thousands of families navigating hail damage and the insurance claim process the right way—documented, code-compliant, and backed by our GAF Master Elite® certification.
Our team understands the exact metrics adjusters use, the building codes Minnesota and Wisconsin require, and the documentation insurers expect. We guide homeowners from inspection → claim filing → adjuster meeting → approved scope → full replacement or repair—with no shortcuts, no storm-chaser tactics, and a service model built on integrity and accuracy.
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 Hail Damage Insurance Claim Process
A proven 7-step system built on documentation, accuracy, and compliance
Free Storm Damage Inspection
Our certified inspectors complete a thorough exterior evaluation, including roof, siding, gutters, windows, and soft metals.
- High-resolution photos
- Drone imagery
- Aerial measurement reports
- Hail-impact mapping and storm-date verification
- Manufacturer-specific inspection standards
Documentation & Storm Report Prep
Before you ever file a claim, we prepare everything insurers need upfront.
- Full photo report
- Storm date verification
- Damage explanation in adjuster-friendly language
- Initial scope recommendations
- Code items required for replacement
Filing the Insurance Claim (Guided Support)
We help you file the claim correctly the first time with all necessary information.
- Your claim number
- Insurance adjuster contact
- Expected timeline
- What to expect during your adjuster meeting
The Adjuster Meeting (We Attend For You)
This is where homeowners win or lose their claim. We meet the adjuster onsite to represent you.
- Walk the property with adjuster
- Identify each damage point
- Ensure all elevations and slopes are examined
- Discuss code requirements
- Provide measurements, documentation, and storm data
Approval & Scope Review
We verify every item in your approved scope and submit supplements when needed.
- Material type verification
- Waste calculations
- Ice & water shield requirements
- Ventilation upgrades
- Code-required supplements
Roof or Siding Replacement
Your project is installed by GAF-trained crews with manufacturer-approved installation.
- Protection of landscaping
- Tear-off & disposal
- Installation to manufacturer specs
- Cleanup & magnet sweep
- Final inspection
Final Invoice & RCV Documentation
We finalize all documentation and submit to insurance for remaining depreciation.
- Completion photos
- Final invoice
- Warranty registration
- Code-required supplements
- Submission to insurance
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
Why Choose Advanced Roofing & Siding for Hail Claims?
A 20+ Year Local Company — Not a Storm Chaser
20+ Year Local Company
Founded in 2001, serving Twin Cities, Anoka County, Hennepin County, and western Wisconsin with long-term teams—not temporary storm teams.
GAF Master Elite® Certification
Only 2% of contractors nationwide. Better warranties, better documentation, better installation.
Accurate Claims Backed by Real Financial Strength
$3.2M–$4.5M in annual roofing and siding work. We're reliable, honor warranties, and maintain strict standards.
Experienced Insurance Specialists
We understand adjuster guidelines, Xactimate pricing, code requirements, and how to fight for a fair and complete claim.
Honest, Non-Pushy Approach
We do not waive deductibles, inflate claims, or pressure homeowners. We protect your home, your policy, and your long-term value.
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.