Do you have hail damage on your Minneapolis roof?

Hail damage shows up as round bruises in shingle granule loss, exposed fiberglass mat, soft spots, or dented metal flashing and gutters. Modern Exterior Systems (Modex) inspects Minneapolis roofs free after every hail event. If damage is found, we document with photos, dimensions, and impact maps. We work with your insurance carrier directly. 50-year track record, MN License BC762305, BBB A+.

Damage

What hail damage looks like

Hail strikes leave soft bruises in shingles, knock off protective granules, and crack the fiberglass mat underneath. These signs often require an on-roof inspection to identify.

Bruising

Soft circular spots in shingles

Hail impact loosens the asphalt mat from the fiberglass base, creating soft bruises that are often invisible from ground level. These bruises compromise shingle integrity and allow water infiltration over time.

Hail sizes

Hail size and damage correlation

Larger hail causes more severe roof damage. Understanding the relationship between hail size and damage helps determine whether your roof qualifies for an insurance claim.

Penny size

Three-quarter to one inch hail

Hail this size causes cosmetic damage to gutters and possible granule loss on older shingles. Damage is typically minor and rarely exceeds insurance deductibles.

Impact resistance

Class 4 impact-resistant shingles protect against hail

Class 4 shingles are rated for 2-inch hail at 90 mph under UL 2218 testing. Most Minnesota insurers offer 10-30% homeowners premium discounts when Class 4 is installed, often paying for the upgrade within 5-7 years.

SBS modified

Rubberized asphalt for hail resistance

SBS-modified rubberized asphalt is more flexible and hail-resistant than standard asphalt. Malarkey Vista, Highlander, and Legacy use this technology for superior impact performance without requiring a Class 4 rating.

Malarkey Vista

SBS-modified asphalt shingle

Vista combines SBS-modified asphalt with a durable fiberglass base. This mid-tier option offers excellent hail resistance and a 30-year warranty at a lower cost than Class 4 upgrades.

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Inspection

What to look for

Hail damage requires on-roof inspection to identify

Soft circular bruises in shingles

Granules

Bare patches where granules are knocked off

Hail strips away the protective mineral granules that shield asphalt from UV exposure. Bare patches accelerate roof deterioration and are a clear sign of impact damage.

Fiberglass

Fractured fiberglass underneath the shingles

Impact cracks the underlying fiberglass mat that gives shingles structural strength. This damage is hidden but critical—it compromises the shingle from underneath.

Dented gutters and downspouts

Visible dents in gutters, downspouts, and metal flashings are indirect evidence of hail size and direction. These are often easier to spot from the ground than roof damage.

Circular impact patterns on vents

Roof vents and soffit vents show circular impact marks from hail. Damaged vents can leak and compromise attic ventilation if not replaced.

Ground level

What you can see without climbing

Dented gutters, damaged vents, and granules in downspouts are visible indicators. However, most hail damage requires an on-roof inspection to fully assess.

Questions

Answers to common hail damage questions

Can I see hail damage from the ground?

Most hail damage is not visible from ground level. Shingle bruising, granule loss, and fiberglass cracks require an on-roof inspection to identify. Dented gutters and damaged vents are visible, but they're only indirect evidence. Modex inspects your entire roof within 24-48 hours of a storm to document all damage.

Does old hail damage still qualify for insurance?

Insurance typically covers hail damage only if reported within a reasonable timeframe after the storm—usually 30-90 days depending on your policy. Older damage is harder to prove and may not be covered. If you suspect hail damage from a recent storm, contact Modex immediately for documentation.

Will my insurance premium go up if I file a claim?

Most homeowners policies do not increase premiums for weather-related claims like hail damage. However, this varies by insurer and your specific policy. We recommend reviewing your policy or calling your agent before filing. Modex can help you understand whether a claim makes financial sense for your situation.

Should I upgrade to Class 4 impact-resistant shingles?

Class 4 shingles are rated for 2-inch hail at 90 mph and qualify for 10-30% homeowners insurance discounts in Minnesota. Over 25 years, these discounts often pay for the material upgrade. If you live in a hail-prone area or want maximum protection, Class 4 is worth the investment. Modex can calculate the long-term savings for your situation.

What if my roof is too old to claim?

Roofs over 20-25 years old may have limited or no insurance coverage for hail damage, depending on your policy. However, if hail damage accelerates failure on an aging roof, some insurers will still cover replacement. Modex documents your roof's condition and helps you understand your coverage options before filing a claim.

Still have questions?

Contact Modex for a free hail damage assessment

Call 952-206-6339

Real stories

What homeowners say about our hail inspections

"Modex came out the day after the hail storm and found damage I couldn't see from the ground. They documented everything with photos and helped us file a claim that covered the full replacement."

Sarah, Bloomington

Hail damage claim approved

"We weren't sure if we had hail damage or just normal wear. The inspection was thorough and honest—they told us what was actually storm damage versus age-related issues."

Mark, Edina

Free inspection, honest assessment

"The whole process was fast. Modex inspected, documented, and provided the claim packet to our insurance company. We had a new roof within three weeks."

Jennifer, Eden Prairie

Fast claim approval and installation

"I appreciated that Modex didn't pressure us to file a claim. They explained the numbers and let us decide. That kind of honesty is rare."

David, Minnetonka

Transparent, no pressure

"The hail was large and we knew we had damage. Modex's inspection and documentation made the insurance process straightforward."

Lisa, Hopkins

Straightforward insurance process

"We called Modex within 24 hours of the storm. Their crew was professional and thorough. The claim was approved and we got a new roof with Class 4 shingles."

Robert, Chanhassen

Class 4 upgrade, full coverage

"Modex explained the difference between Class 4 and standard shingles. We upgraded and now get a 20% insurance discount every year."

Patricia, Plymouth

Insurance discount pays for upgrade

Document your hail damage now

Free on-roof inspection within 24-48 hours of the storm. We photograph damage and prepare claim documentation if you decide to file.

Schedule inspection Call 952-206-6339

About

Why Modex handles hail damage inspections

Modern Exterior Systems (Modex) is a women-owned roofing contractor in Eden Prairie serving the Twin Cities. We inspect hail damage the same day or within 24-48 hours of a storm, document findings with on-roof photography, and prepare claim-support packets if filing makes sense. We do not pressure you to file claims that don't favor you economically.

Impact

Hail damage by the numbers

Minnesota hail season spans May through September

24-48

Hours for free inspection after storm

Most hail damage requires on-roof assessment

20%

Average insurance discount with Class 4 shingles

Discount often pays for upgrade in 5-7 years

2

Inch hail rating for Class 4 impact-resistant shingles

UL 2218 tested at 90 mph impact speed

Storm damage

Hail damage

Hail strikes leave soft bruises in shingles, knock off protective granules, and crack the fiberglass mat underneath. Modern Exterior Systems (Modex) inspects for these signs within 24-48 hours of a storm and documents whether damage exceeds your insurance deductible.

Schedule inspection Free storm-damage inspection

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