High winds, straight-line gusts, and Midwest storms can tear shingles, crease tabs, bend metal, and rip siding loose—often in just a few minutes. In Minnesota and Wisconsin, these wind events are one of the most common reasons homeowners file roof and siding insurance claims.
Advanced Roofing & Siding is Minnesota's #1 roofer for insurance claims, providing 24/7 emergency repairs, on-site damage reports, and free storm damage inspections for wind, hail, and severe weather.
We understand how wind actually damages shingles, underlayment, flashing, and siding; what insurance adjusters look for when evaluating wind claims; Minnesota and Wisconsin building code requirements for re-roofing and wind resistance; and how to protect your home's long-term value—not just "patch" a storm. Our job is to make your wind damage insurance claim clear, documented, and handled correctly from start to finish.
How Wind Damages Your Roof & Siding
Wind damage is not just 'missing shingles'—adjusters look for specific indicators
Common Signs of Wind Damage on a Roof
- Missing shingles or tabs – Torn completely off, exposing dark underlayment or bare nails
- Creased or lifted shingles – Sealant line broken; shingle tab flexed or folded back by wind
- Curling or buckling – Shingle edges raised, no longer sealing properly
- Exposed nails or fasteners – Uplift has pulled shingles enough to reveal nail heads
- Granule loss & bald spots – Granules stripped, weakening the shingle and reducing UV protection
- Damaged flashings & ridge caps – Wind lifts metal or shingles at hips, ridges, walls, or chimneys
- Loose or sagging gutters & fascia – Wind pressure at the eaves pulls gutter systems away
Wind Damage to Siding & Exterior
- Cracked or broken vinyl siding panels
- Sections blown off, especially at corners and gables
- Bent fascia, soffits, and trim metals
- Damaged roof vents, pipe jacks, or chimney caps
Even a single missing or lifted shingle can allow water to penetrate and eventually leak into your attic, insulation, and drywall.
Does Homeowners Insurance Cover Wind Damage?
Understanding your coverage and policy nuances
In most Minnesota and Wisconsin homeowner policies, wind is a covered peril. That means:
- Wind-blown or missing shingles
- Wind-torn siding or trim
- Damage from flying debris or falling branches
...are typically covered when they are sudden and accidental, not caused by long-term neglect.
However, there are nuances:
- Some policies now include higher wind/hail deductibles for the Midwest region.
- Certain policies may limit coverage to "functional damage" (leaks, punctures) rather than purely cosmetic issues—even when shingles are creased or lifted.
- Carriers evaluate whether wind damage affects more than 25% of a slope, which can justify full slope replacement versus a small repair.
Advanced Roofing & Siding is here to interpret the technical side, help you document the damage thoroughly, and present a clear, code-based case to your insurer.
Our Wind Damage Insurance Claim Process
A step-by-step system designed for Minnesota & Wisconsin storms
Free Wind Damage Inspection & Safety Check
After a storm, we start with a no-obligation inspection of your roof, siding, gutters, and attic.
- Roof (all slopes, ridges, and valleys)
- Siding, soffits, fascia, and trim
- Gutters, downspouts, and soft metals
- Attic inspection for water intrusion
- Immediate tarping or temporary repairs if needed
Photo Report, Measurements & Storm Verification
We build a wind damage evidence package that adjusters can easily evaluate.
- Date-stamped photos of each damaged area
- Aerial or hand measurements of roof slopes
- Local storm data (wind speeds and gust reports)
- Notes on pre-existing vs. new storm damage
- Format familiar to adjusters
Guided Claim Filing with Your Insurance Company
We help you file the claim correctly and understand your coverage.
- Decide whether a claim is justified
- Contact your insurance carrier
- Provide clear description of wind event
- Understand deductible and coverage limits
- Navigate wind/hail riders
Adjuster Meeting — We're On the Roof With Them
We meet the adjuster onsite to ensure they see all damage and code requirements.
- Walk each slope and elevation together
- Point out creased tabs and lifted shingles
- Reference relevant building codes
- Ensure scope matches real-world conditions
- Help adjuster see exactly what we see
Code-Compliant Scope Review (Minnesota & Wisconsin)
We review the estimate line by line and verify code compliance.
- Minnesota Residential Code requirements
- Wisconsin wind pressure standards
- Ice & water barrier requirements
- Ventilation and underlayment codes
- Submit supplements with code citations
Roof & Siding Replacement or Repair
With approval in place, we proceed with code-compliant installation.
- Full roof replacement when warranted
- Slope-by-slope replacement when appropriate
- Targeted repairs when aligned with guidelines
- Manufacturer specifications
- Wind-resistance and proper nailing patterns
Final Documentation, Depreciation Release & Warranty
We finalize all documentation and assist with depreciation release.
- Completion photos
- Detailed invoice aligned with scope
- Assist with depreciation release paperwork
- Register manufacturer warranties
- Clear documentation for future reference
Wind Damage: Repair vs. Full Replacement
Not every wind event leads to a full roof replacement—but under-scoping damage can be just as risky
When a Repair May Be Appropriate
- Damage is limited to a very small, contained area
- Shingles are still in production and can be properly matched
- The roof system is relatively young and otherwise in good condition
When Replacement Is Often Justified
- Wind damage affects 25% or more of a slope, or multiple slopes show widespread creasing/loss
- Shingle model or color is discontinued and cannot be reasonably matched
- Existing roof is near end-of-life; uplift and broken seals are widespread
- Manufacturer and code requirements cannot be met with "patch" repairs alone
Advanced Roofing & Siding will recommend what is actually in your best interest long-term, and we'll explain the reasoning in writing.
Why Minnesota & Wisconsin Homeowners Trust Advanced Roofing & Siding
Storm damage experts with local expertise and proven track record
Storm Damage Experts
Specializing in wind, hail, and severe weather claims for 20+ years
Insurance Claim Assistance
On-site reports, adjuster meetings, and scope verification
Local Code Knowledge
Minnesota & Wisconsin roofing and exterior requirements built into every project
Residential, HOA & Light Commercial
Single-family homes, townhome associations, churches, small commercial buildings
Family-Operated & BBB Accredited
Not a storm-chaser; a long-term local partner
Frequently Asked Questions About Wind Damage Claims
Common questions about wind damage and insurance claims
Is one missing shingle enough to file a claim?
Often, yes—especially if it indicates broader uplift or if water can penetrate. We'll inspect the whole roof to see whether a claim is appropriate or if a small out-of-pocket repair makes more sense.
Will my rates go up if I file a wind claim?
Wind and hail are regional events. Rate adjustments usually impact whole areas, not just one homeowner. The bigger risk is not repairing legitimate damage and facing leaks later.
Do I have to use the contractor my insurance suggests?
No. In both Minnesota and Wisconsin, you have the right to choose your contractor. Insurance cannot require you to use a specific company.
What if my claim is underpaid or denied?
We can compare your denial or low estimate against photos, codes, and manufacturer guidelines. We help you understand your options (reinspection, supplements, or appeal) and provide additional documentation where justified.
How quickly should I act after a wind storm?
Immediately. Consumer agencies advise contacting your insurer right away and making temporary repairs (like tarping) to prevent further damage—then keeping receipts.