Who handles storm damage roof repair in Minneapolis?

Will insurance cover storm damage roof repair in Minneapolis?

Insurance typically covers storm damage — hail, wind, tree-fall, ice-dam-caused — but not normal wear-and-tear. If you've had a recent storm and your roof shows damage signs (granule loss, cracked shingles, dented vents, missing tabs), file a claim before your policy's filing window closes. Most Minnesota policies give you 1–2 years from the storm date. We document damage with on-roof photography and meet your adjuster on the property when possible. The homeowner pays the deductible; we deliver the work the carrier approves. See our step-by-step walk-through of how to file a roof insurance claim after storm damage.

Why does Modex refuse to waive deductibles in Minneapolis?

Minnesota Statute 325E.66 makes it illegal for contractors to waive insurance deductibles — and any homeowner who accepts a deductible-waiving offer is at legal risk too, not just the contractor. The deductible is your contractual responsibility to your carrier. We don't waive it, never have, never will. We do the work your carrier approves; you pay the deductible. That's how an honest insurance restoration works.

How fast can you respond to storm damage in Minneapolis?

Emergency tarping within 24 hours when there's active leaking. Full damage assessment within 24–48 hours of your call. Modex is based in Eden Prairie — most Twin Cities metro properties are inside a 30-minute drive. We work the June and July storm seasons heavily and keep crews available during active storm cycles, so we're not booking three weeks out when the hail just hit. For the coverage question, see does homeowners insurance cover roof leaks — short answer is yes for sudden storm damage, no for wear and tear.

What hail damage signs should I look for in Minneapolis?

Granule loss exposing the asphalt mat. Cracked or split shingles. Dented vents, downspouts, or gutter aprons. Missing tab corners. Round, dark “bruises” on the shingle face where hail impact damaged the mat. A lot of hail damage isn't visible from the ground — that's why we document from the roof, not the driveway. Free on-roof inspections across Minneapolis, no charge, no high-pressure follow-up.

Do I need to wait for the insurance adjuster before starting repair?

For partial repair or full replacement: yes, wait for adjuster approval. Starting work before the adjuster visit can complicate the claim and you may end up paying out of pocket for what should have been covered. For emergency tarping with active leaking: no — we tarp first, document for the adjuster, and the tarping cost is typically reimbursed under the claim separately. Call us first either way at 952-206-6339.