Storm Restoration · Insurance Claims
MN storm damage?
Don't face the insurance maze alone.
Drone-assisted documentation, claim support, and a local advocate in the room when the adjuster shows up. We represent you — not the insurance company.
The process
Your local insurance claims navigator
Four steps, one point of contact, no storm-chaser pressure. Here's exactly what happens after you call.
Inspection
Drone-assisted documentation of all exterior damage — roof, siding, gutters, and soft metals — before anything gets filed.
Filing
We help you file the claim correctly the first time, so nothing gets denied on a technicality.
Meeting
We're on your roof with the adjuster during the walkthrough, making sure every bit of damage is on the record.
Restoration
Local crews restore your home with materials built for Minnesota weather — not whatever's cheapest by the pallet.
Check your home
Signs of storm damage
After any hail or high-wind event, walk your property and look for these. Better yet — let us look for free.
- Granule lossSand or shingle pieces collecting in your gutters and downspout splash zones.
- Dented soft metalsDings on gutters, roof vents, or AC units — hail leaves fingerprints on metal first.
- Missing shinglesGaps or lifted edges after high winds, especially along ridges and edges.
- Siding fracturesCracks or "spiderwebs" in vinyl or aluminum panels, often on the storm-facing side.
Common questions
Roof inspections, hail damage & insurance claims
Straight answers to what North Metro homeowners ask us most after a storm.
Does insurance cover roof damage near Ham Lake?
In most cases, yes. Homeowners insurance policies in Minnesota typically cover roof damage caused by hail or wind if the storm event is documented and the claim is filed within your policy's deadline. Coverage details vary by carrier and policy, so a free professional inspection is the fastest way to confirm what your specific policy covers.
How do I know if I need a roof inspection after a storm?
If your area had recent hail or high winds, it's worth getting an inspection even if you don't see obvious damage from the ground. Hail bruises shingles from the inside out, and wind can lift shingles or flashing without leaving visible gaps. A drone-assisted inspection documents granule loss, dented soft metals, and missing or lifted shingles that are easy to miss from a ladder.
What does hail damage to a roof actually look like?
Common signs include granule loss (sand-like debris collecting in gutters), dented gutters, roof vents, or AC units, and bruised or cracked shingles. Hail damage often isn't visible from the ground, which is why insurance adjusters and contractors rely on close-up, drone-assisted documentation rather than a visual pass from the driveway.
How does the insurance claims process work for storm damage?
It starts with a free inspection to document all exterior damage, followed by help filing the claim correctly the first time. From there, we meet the adjuster on your roof during the walkthrough to make sure every bit of damage is on record, then coordinate the restoration once the claim is approved. We represent you during the process, not the insurance company.
Is there a deadline to file an insurance claim for storm damage in Minnesota?
Yes. Most homeowners insurance policies set a limited window after a storm event to file a claim, and missing it can mean losing coverage for damage that's already there. If you suspect recent hail or wind damage, it's best to schedule an inspection right away rather than wait.
“During the claim process, we represent you — not the insurance company.”Tom Jacobs · Owner, Jacobs Construction
Act before the deadline
Ready to protect your home?
Schedule your free storm damage inspection today — before small damage becomes a big repair.
Storm emergency? Call/text Tom now: 651-315-5450