What Twin Cities Homeowners Should Know

Why Storm Damage Restoration Is About The Insurance Claim As Much As The Roof

What This Service Covers

What Storm Damage Restoration Actually Involves

Storm damage restoration addresses roof damage caused by hail, wind, or a specific storm event, and includes managing the insurance claim process alongside the physical repair or replacement work itself. It is the right scope whenever damage traces back to an identifiable storm date, since that connects the repair to a claim rather than treating it as routine wear. What separates this from a standard repair or replacement is that the insurance process runs in parallel with the actual roofing work, from documenting damage at the first inspection through reviewing the adjuster's scope of loss and, where necessary, supplementing that scope with additional findings. Hail damage in particular is often invisible from the ground and can progress for months after the storm before becoming an obvious problem, which is why timing the inspection soon after a storm event matters as much for the insurance claim window as for catching damage early. Today's Exteriors provides storm damage restoration across the Northwest Metro and greater Twin Cities region, documenting every stage of the process to support the homeowner's claim from day one through final depreciation release. The roofing work itself follows the same standards as any other repair or replacement, the difference is everything happening around it to make sure the claim is handled correctly.

Storm damage roof inspection and documentation by Today's Exteriors

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Understanding Storm Damage

Why Storm Restoration Is About The Claim As Much As The Roof

Storm damage restoration is different from a standard roof repair or replacement because the insurance claim process runs alongside the physical work, and getting that process right often determines whether the homeowner pays out of pocket for damage that should have been covered. Hail damage in particular is often invisible from the ground, compromising the granule layer that protects the asphalt from UV degradation without producing an obvious visible sign, and that damage progresses over the months following the storm rather than announcing itself immediately. Insurance policies typically carry a claim filing window, which means the timing of the inspection after a storm has real financial consequences, not just practical ones. A contractor's role in this process extends beyond the roofing work itself, into documenting damage thoroughly enough to support the claim and reviewing the adjuster's scope of loss for anything that may have been missed or underpriced. Storm chasing contractors who pressure homeowners into contingency agreements immediately after a storm and disappear once the insurance check clears are a real problem in this industry, and a legitimate local restoration process looks nothing like that.

How To Know If You Have Storm Damage

  • A significant storm event has occurred in your area recently. Hail and high wind events are the most common triggers for storm damage claims.

  • Neighbors have had roof work done or filed claims recently. Storm damage tends to affect an entire neighborhood at once.

  • You notice granule buildup in your gutters after a storm. Granule loss from hail impact often shows up first in the gutters.

What The Insurance Claim Process Actually Involves

  • Documentation happens before any work begins. Photos and a detailed damage assessment taken at the first inspection become the basis for the claim.

  • The adjuster's scope gets reviewed, not just accepted. Initial insurance scopes sometimes miss damage or underprice necessary work.

  • Depreciation release happens after work is completed. Many policies withhold a portion of the claim payout until the work is finished and documented.

How It Works

The Storm Damage Restoration Process, Start To Finish

  • Step 1: Storm Damage Inspection And Documentation. Every storm restoration starts with a full inspection and photo documentation of the damage found, since hail and wind damage are often invisible from the ground.

  • Step 2: Insurance Claim Support. The adjuster's scope of loss gets reviewed against what was actually found during inspection. If items were missed, supplementing the claim with additional documentation is handled directly.

  • Step 3: Repair Or Replacement. Once the claim is approved, the actual roofing work is scheduled and completed.

  • Step 4: Final Documentation And Walkthrough. The completed work gets documented and reviewed on site, with final paperwork provided that supports closing out the insurance claim.

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A Process that finally puts you first

Step 1: Detailed Property Inspection

When it comes to your roof, the devil is definitely in the details! This means it requires a professional, detailed approach to uncover hidden potential damages. When you schedule your inspection with Today's Exteriors, we walk your entire property, climb your roof, and even check in your attic! Leaving no stone unturned in the pursuit of protecting your home!

Step 2: Review Your Estimate

Once we've determined the scope of your home's needs, your dedicated Today's Exteriors team member will walk you through your full estimate, line item by line item, to ensure all of your concerns are met with the care and consideration you deserve!

Step 3: Installing Your New Roof

When build day comes around, we're like little kids on Christmas morning! Nothing is more exciting than watching the transformation unfold as we bring the beauty back to your home. We will keep you updated throughout the process so you're never left feeling like you're in the dark.

Step 4: Clean-Up and Final Walk-Through

Once your new roof is installed, and you're completely satisfied with the results, we will do a final walk-through before payment ever changes hands! Our triple magnetic-sweep process ensures no debris is ever left behind, keeping kids and pets protected! We want you to love your new home as much as we do, and we'll always be available long after the jobs completed to address any concerns that may come up!

Why Homeowners Are Trusting Today's Exteriors

Your Home Deserves A Contractor Who Cares As Much As You Do

At Today's Exteriors we're a lot like Goldilocks and the three bears, just the right size—not too big and not too small. Clients won’t be dealing with a large corporation bogged down by red tape or inflated prices. At the same time, they won’t be working with an inexperienced team. Today’s Exteriors has the expertise and resources to manage all of your roofing or home exterior projects from start to finish. Aaron Johnston along with his wife, Nicki, and brother, Addison, the dedicated team behind Today’s Exteriors, have been delivering excellence to their Maple Grove community for over +25 years, this company has been their passion. Aaron personally supervises every project to ensure that clients receive exceptional customer service and quality installation. When customers work with Today’s Exteriors, they benefit from the owners’ personal attention and always know who to contact if questions arise.

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FAqs

Common questions Your Neighbors Are asking

How long do I have to file an insurance claim after storm damage?

Most policies have a filing window, though the exact timeframe varies by insurer and policy.

Will my insurance rates go up if I file a storm damage claim?

That depends on your specific policy and insurer. Confirming directly with your provider is the reliable answer here.

What if the adjuster's estimate does not match what is actually needed?

The scope can be supplemented with additional documentation and photos showing what was found once the damage is fully assessed.

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11308 70th Pl N, Maple Grove, MN 55369, USA

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Today's Exteriors, The Twin Cities #1 Roofing Contractor

The Twin Cities' #1 Exteriors Contractor. Proudly Serving Maple Grove, MN and the surrounding NW Metro Since 1998.

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