Who handles storm damage roof repair in Minneapolis?
Modex handles hail, wind, and ice-dam storm-damage roof repair across the Twin Cities. We document damage from the roof — not the ground — meet your adjuster on the property when possible, and write scopes carriers can validate. Free inspection, 24-hour response on active leaks. Insurance-covered work typically runs $1,400 to $28,000. We do not waive deductibles — illegal in Minnesota under MN Statute 325E.66.
Updated May 2026 · Reviewed by Joe Dvorak, Owner, Modern Exterior Systems
Honest assessment
Honest answers
We document the condition of your roof and show you what we see before any decisions are made. If we walk it and find partial damage worth a $1,400–$5,000 repair, that's the quote you get. If we don't find storm damage, we tell you that too. You see the photos. You read the scope. You decide. If you want to do a ground-level pass first, Joe wrote a homeowner's storm damage assessment walkthrough — 20 minutes from your lawn, no ladder. Not sure the storm was even big enough? See what size hail will damage a roof — quarter-size is the threshold.
On-roof photos before any quote
Partial-repair pricing when full replacement isn't warranted
Walk-away when there's no damage — no claim pressure
Damage types
Three common storm damage patterns
Most frequent Twin Cities claim
Hail
Bruising, granule loss, and mat exposure
Most hail bruises don't show from the ground — that's why we document from the roof. Upgrading to a Class 4 impact-resistant shingle (CertainTeed Landmark ClimateFlex, Malarkey Vista AR) usually qualifies you for a 10–30% insurance premium discount in Minnesota.
Wind
Lifted shingles and ridge caps
Sustained wind over 60 mph — the kind we saw across Edina, Wayzata, Orono, and Chanhassen in 2023 — lifts shingle tabs and pops ridge caps. Partial repairs run $800–$5K; full-roof wind losses run $14K–$28K once the carrier approves the scope.
Ice & water
Ice-dam leaks and backed-up gutters
Minnesota winters drive snowmelt under shingles. Damage often shows up months later as interior ceiling staining or insulation rot.
Process
Four steps from damage to approved installation
The insurance claim process moves quickly when documentation is thorough and honest. Modex handles each step so your carrier approves the full scope and you get the roof you need.
Document damage within 1 to 3 days
We photograph every impact, measure damage patterns, and prepare a claim packet for your carrier.
Meet your insurance adjuster on-site
We coordinate timing so our crew can walk the roof with the adjuster and answer structural questions in real time. For the threshold math behind their inspection, see how much hail damage it takes to replace a roof.
Write scope supplements when needed
If the carrier's initial scope misses decking, ice-and-water shield, or code upgrades, we document the gaps and submit supplements.
Schedule installation after carrier approval
Once your carrier approves the final scope, you pay your deductible and we schedule the install with our crews.
June 2023 Twin Cities hail
The hail cycle that put hundreds of metro roofs on insurance claims
The June 2023 storm cycle hit hard across the western metro. Bearpath, Mitchell Lake, and Anderson Lakes in Eden Prairie took significant hail. Bloomington's Brookside, West Bloomington, and Penn Lake neighborhoods saw widespread impact. Edina's Country Club and Morningside areas, plus the lake corridor from Minnetonka through Wayzata, Orono, Minnetrista, Shorewood, Excelsior, and Chanhassen all filed heavy claims. Carver County further west — Victoria and Waconia — caught the edge of the same swath.
Emergency
24-hour response for active leaks
When a storm punches through your roof, water moves fast. We tarp within 24 hours of your call, stabilize the damage, and document what we see for your insurance adjuster — see our first 48 hours after a hailstorm Twin Cities playbook.
Emergency tarping
$500–$1,500 typical cost, reimbursable in most carrier scopes.
Free hail inspection
On-roof walk with full photo documentation within 1 to 3 days of severe weather. Full scope on the Minneapolis roof inspection page.
Claim documentation
Full photographic record and damage assessment ready for your carrier.
Differentiators
Why choose Modex
Three reasons we stand apart in storm work.
Inclusion
Decking and ice-and-water shield in the original scope
Storm scopes that quietly leave out decking repair and ice-and-water shield turn into surprise change orders at tear-off. We scope both in from the start — to MN code, extended past the eaves the way our winters demand. If the carrier's first scope misses them, we supplement. Your roof goes on right the first time.
Documentation
Scopes carriers actually approve
Detailed on-roof photo documentation and supplement writing that catches what initial scopes miss — decking, ice-and-water shield, code upgrades. Your job is the deductible. Ours is the paperwork.
Owner-led
Ownership-led on large claims
Every storm project over $40K gets direct ownership attention — the inspection, the scope review, and the final walk-through. No handoff to whoever's scheduled that week.
Questions
The questions homeowners actually ask after a Twin Cities storm.
Reviews we can't edit
“Excellent roofing contractor. They handled our roof replacement efficiently with high quality workmanship, clear communication, and fair pricing from start to finish.”
Every review we show is pulled verbatim from Google, Facebook, and the BBB — platforms we don't control and can't edit. Read the full record at the source.
Not sure it's a claim yet? Find out free.
I'll walk the roof, photograph what's actually there, and give you documentation your carrier can validate. You decide whether to file — it's your claim, your deductible, your call.
About
Modern Exterior Systems serves Minneapolis and the western metro
Modex is a women-owned roofing, siding, and window contractor based in Eden Prairie. We hold six manufacturer certifications (CertainTeed ShingleMaster, Malarkey Emerald Pro, Atlas Pro+, LP SmartSide Preferred, James Hardie Preferred), plus BBB A+ rating, NRCA membership, and MN License BC762305. Storm-damage claims demand honest documentation, speed, and statute compliance — that's what we deliver.
Reviewed by Joe Dvorak, Owner, Modern Exterior Systems · Updated May 2026
Further reading
Deeper writeups on the topics this page covers — written for homeowners by a Twin Cities installer.
July 10, 2026
ACV vs RCV Insurance: What Minnesota Homeowners Need to Know About Roof Claims
ACV vs RCV, from a Twin Cities contractor who works claims weekly: the depreciation hit, the MN matching law, and what to ask before a storm hits.
June 25, 2026
Hail Damage and Roof Insurance Claims in Minnesota: An Honest Guide From a Local Contractor
How to tell if your roof is actually hit, how Minnesota claims really work, and the traps worth skipping — from a Twin Cities roofer.
April 14, 2026
First 48 Hours After a Hailstorm: Twin Cities Playbook
Hour-by-hour homeowner action plan for the 48 hours after a Twin Cities hailstorm. What to document, who to call, what NOT to sign.
June 8, 2026
How to File a Roof Insurance Claim After Storm Damage (Step by Step)
Step-by-step guide to filing a roof insurance claim in Minnesota. When to file, what to document, adjuster visit, mistakes that get claims denied.
April 14, 2026
What Hail Damage Looks Like on a MN Roof (Photo Guide)
Real signs of hail damage on Twin Cities roofs from a local contractor. Learn the 6 signs, what gets mistaken for hail, and how to check safely from the ground.
April 7, 2026
Does Homeowners Insurance Cover Roof Replacement? What Minnesota Homeowners Need to Know
Will homeowners insurance pay for a new roof? Minnesota contractor explains what's covered, depreciation vs replacement cost, claim mistakes.