Storm Damage Roofing Repair — Twin Cities MN | Tundra Exteriors
Veteran-owned. BBB Accredited. IKO RoofPro Certified. Free storm damage inspections throughout the Twin Cities metro. We handle the insurance process from start to finish — most homeowners pay little to nothing out of pocket except their deductible.
If Your Home Just Went Through a Storm — Act Quickly
Minnesota storms can leave behind damage that isn't obvious from the ground — and the window to file a strong insurance claim is shorter than most homeowners realize. Hail impacts, wind-lifted shingles, and damaged flashing often show no visible signs from the street, but they're actively compromising your roof's ability to protect your home every day they go unaddressed.
The single most important thing you can do after a significant storm is get a professional inspection before you call your insurance company. Here's why: once you file a claim without documentation, the adjuster controls the narrative. When Tundra Exteriors inspects first, we build a complete damage record — photos, measurements, impact counts, structural findings — that gives your claim the evidence it needs to be approved in full.
Important: Don't climb on your roof to inspect it yourself after a storm. Wet or damaged roofing materials are extremely slippery and structurally unpredictable. Call Tundra Exteriors for a free professional inspection — we carry full insurance and know exactly what to look for.
What to Do Right After a Storm — Step by Step
Follow these steps in order to protect your home and maximize your insurance claim outcome:
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Call Tundra Exteriors first. Before you call your insurance company, call us at (763) 298-2741. We schedule free storm damage inspections quickly — often within 24–48 hours of a major weather event.
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Document what you can safely see. From the ground only — photograph any visible damage to your siding, gutters, windows, or anything in your yard. Don't go on the roof. These photos support your claim.
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Do minimal temporary protection if needed. If you have an active leak, cover the area with a tarp to prevent further interior damage. Keep your receipts — temporary protection costs are often reimbursable through your claim. We will assist with tarps on the roof to help.
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Do not call your insurance company yet. Wait until after our inspection. Once you have a complete damage report in hand, your claim starts from a position of strength rather than guesswork.
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Let us handle the insurance process. Once we've inspected and documented the damage, we guide you through every step — filing the claim, attending the adjuster appointment, and completing the repairs after approval.
Our Storm Damage Process — From First Call to Finished Job
Tundra Exteriors has guided hundreds of Twin Cities homeowners through the storm damage and insurance claim process. Here's exactly what that looks like when you call us:
Step 1: Free Storm Damage Inspection
We send a certified, experienced inspector to your property — at no cost and with no obligation. Our inspection covers your entire exterior: roof, siding, gutters, windows, fascia, and soffit. We look for damage that isn't visible from the ground and that insurance adjusters frequently miss or underestimate. Every finding is documented with photographs, measurements, and written notes.
This inspection is the foundation of your claim. The more thorough it is, the stronger your position when the adjuster arrives.
Step 2: Complete Damage Documentation
After the inspection, we compile a complete damage report — the kind that insurance companies take seriously. This includes impact mapping on your roof, measurements of affected areas, photo evidence of every damage point, and an assessment of what needs to be repaired or replaced. We've seen firsthand how a well-documented claim leads to full approval while an undocumented one gets denied or significantly underpaid.
Step 3: We Help You File Your Claim
Filing an insurance claim for storm damage can feel overwhelming — especially if you've never done it before. We walk you through the process, help you understand your policy language, and make sure your claim is filed with the right documentation from the start. We've helped homeowners navigate claims for major carriers across the Twin Cities, and we know what each company looks for.
Step 4: We Attend the Adjuster Appointment With You
This step is one of the most important — and the one most homeowners skip. When the insurance adjuster comes to assess your property, having Tundra Exteriors on-site means the damage gets properly assessed, not rushed through. We point out every documented impact, challenge findings that don't accurately reflect the damage, and make sure the adjuster's report reflects the full scope of what your home needs.
We've helped homeowners reverse prior insurance denials at this stage. If you've already received a denial or a lowball settlement, call us — it may not be too late to dispute it.
Step 5: Approved — Now We Get to Work
Once your claim is approved, Tundra Exteriors completes all approved repairs and replacements using the materials and scope your insurance company has authorized. We work directly with your insurance carrier throughout the project, handle the supplemental claims process if additional damage is discovered during the work, and make sure every line item in your claim is addressed before we consider the job done.
After the work is complete, we do a post-project inspection. If anything can be better, we come back and make it right before we close out your job.
Storm Damage We Repair Throughout the Twin Cities
Hail Damage
Hail is the most common cause of insurance claims in Minnesota — and the hardest damage to spot without training. A hailstone doesn't need to be golf ball-sized to damage asphalt shingles. Even quarter-sized hail striking at speed bruises the granule surface of shingles, cracking the asphalt mat beneath. This damage is invisible from the ground but dramatically shortens your roof's lifespan and voids manufacturer warranties if left unaddressed.
Tundra Exteriors inspects for hail impact patterns, granule displacement, soft metal damage on vents, flashing, and gutters, and the subtle bruising that adjusters often miss. We know what a hail-damaged roof looks like — and how to document it so your insurer knows too.
Wind Damage
High winds lift shingles, break seals, crack ridge caps, and peel back flashing. Wind damage often appears as missing shingles, lifted edges, or sections of your roof that look intact but have had their adhesive seal broken — leaving them vulnerable to the next storm. We inspect your entire roofline for wind-related failure points and document everything for your claim.
Ice Dam Damage
Minnesota winters are brutal on rooflines. Ice dams form when heat escapes through your roof, melts snow near the peak, and the meltwater refreezes at the cold eaves — backing up under your shingles and forcing water into your home. Ice dam damage includes saturated insulation, damaged sheathing, stained ceilings, and compromised flashing. We assess, document, and repair the full scope of ice dam damage.
Fallen Tree & Debris Damage
Fallen branches and debris can puncture decking, crush gutters, crack siding panels, and break windows. We handle full assessments and repairs for impact damage of all sizes — from a single broken shingle to a major structural breach.
Siding, Gutter & Window Storm Damage
Storm damage doesn't stop at your roofline. Hail dents aluminum and steel siding, cracks vinyl panels, and damages window screens and frames. High winds tear gutters from fascia boards and bend them out of alignment. We inspect and repair all exterior systems as part of our storm damage assessment — ensuring your entire home is covered, not just your roof.
Storm Damage Insurance — Common Questions
Do I have to pay anything out of pocket?
In most cases, your only out-of-pocket cost is your insurance deductible — the amount your policy requires you to pay before coverage kicks in. If your damage assessment exceeds your deductible (which it typically does with significant storm damage), your insurance carrier pays the rest of the approved repair cost. Tundra Exteriors works directly with your insurer to maximize your approved scope.
My insurance company already denied my claim. Is it too late?
Not necessarily. Many initial denials happen because the damage wasn't properly documented or because the homeowner filed without professional support. If you've received a denial, call us at (763) 298-2741. We can re-inspect your property, build a stronger damage case, and help you file a dispute or supplement with your carrier. We've successfully helped homeowners reverse prior denials and get fully approved.
How long do I have to file a storm damage claim in Minnesota?
Most homeowner insurance policies in Minnesota require storm damage claims to be filed within one to two years of the date of loss — but some policies have shorter windows. Don't wait. The sooner you file, the easier it is to establish the cause and timing of the damage. Call Tundra Exteriors as soon as possible after a storm event.
Will filing a claim raise my insurance rates?
Potentially — though a single weather-related claim is generally treated differently than an at-fault claim. What we can tell you is that leaving documented storm damage unaddressed is far more costly in the long run — through accelerated roof deterioration, voided manufacturer warranties, and eventual leak damage to your home's interior.
Can Tundra Exteriors work with any insurance company?
Yes. We've worked with all major homeowner insurance carriers active in Minnesota and are familiar with the documentation standards, claim formats, and adjuster processes each one uses. Whether you're with State Farm, Allstate, Farmers, Auto-Owners, American Family, or any other carrier — we know how to navigate your claim effectively.
What Twin Cities Homeowners Say About Our Storm Damage Process
"Definitely recommend! Jacob knocked on my door and I can say now it was the best decision I could have made choosing him as our licensed contractor! Before Jacob we had a previous denial from our insurance company, but once Jacob called and explained to our insurance that we did in fact have hail damage, we absolutely needed a full replacement and we ended up getting fully approved for a new roof and new siding!! We couldn't be any happier. Thank you so much, Jacob!" — Carrie
"Jake is helping us work with an insurance company for hail damage that occurred last year. Tundra did an initial inspection and found damage of which we were not even aware. Jake came out to our home to begin the insurance claim and was here again for the insurance adjuster appointment. He is steering us through the process. Excellent customer care!" — Robert
"Tundra Exteriors is a great team to work with. As a first time home owner and having never filed a claim before, I wasn't sure what needed to be done. They have worked with me from the start to finish and have answered every question and concern I had. I really appreciate the quick responses and communication with Jake and his team." — Vilai
Storm Damage Insurance — Common Questions
Tundra Exteriors provides free storm damage inspections throughout the greater Twin Cities metro and surrounding communities within 75 miles of our Otsego home base. No travel fees, no service area surcharges. If a storm hit your neighborhood, we'll be there.
We serve all of the following communities and many more — click any city to learn more about our services in your area:
Minneapolis · St. Paul · Maple Grove · Plymouth · Eagan · Woodbury · Brooklyn Park · Blaine · Burnsville · Eden Prairie · Lakeville · Apple Valley · and many more.
Why Twin Cities Homeowners Trust Tundra Exteriors for Storm Damage
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Veteran-owned and operated — we approach every claim with the same integrity and precision we brought to military service
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We find damage others miss — our inspectors know exactly where to look and how to document what they find
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We attend your adjuster appointment — the single most impactful thing we do for your claim outcome
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We've reversed prior denials — if your claim was denied, it may not be over
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IKO RoofPro Certified — manufacturer-certified repairs with premium warranty coverage
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BBB Accredited — verified and trusted across the Twin Cities metro
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Post-project inspections — we review every completed job and return to perfect anything that falls short
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Licensed in Minnesota — BC#808821
Don't Wait — Call Tundra Exteriors After Every Major Storm
Storm damage in Minnesota moves fast — and so does the window to build a strong insurance claim. The sooner you call, the better your documentation, the stronger your claim, and the faster your home is protected again.
Call (763) 298-2741 or visit our contact page to schedule your free, no-obligation storm damage inspection today. We serve the entire Twin Cities metro, we carry full insurance, and we don't consider a job done until you're completely satisfied.