How does insurance claim roofing work in Minneapolis?
After a storm, your insurance carrier pays Replacement Cost Value (RCV) minus your deductible to restore your roof. Modern Exterior Systems (Modex) provides free inspections, documents the damage, attends adjuster meetings, files supplements when scope is missed, and completes the work to manufacturer spec. We do NOT waive deductibles (illegal in Minnesota). 50-year track record. BBB A+. MN License BC762305.
Minnesota
Insurance claim authority
Modern Exterior Systems (Modex) is a women-owned roofing contractor based in Eden Prairie. We meet your adjuster on the roof, document what's actually there, and write a scope your carrier can validate. You file the claim and pay your deductible — that part is always yours. Ours is making sure the damage is documented honestly.
Step 1 — Document the damage
After a storm event, Modex performs a roof inspection with detailed on-roof photo documentation of all visible damage. We help you assess whether the loss exceeds your deductible threshold. If damage is minor, filing a claim often isn't worthwhile—the premium impact and deductible cost outweigh the payout.
Step 2
Step 2 — File your claim
You file the claim directly with your insurance carrier. Modex provides a complete documentation packet—photos from the roof and a damage assessment—to support your filing. Most Minnesota insurers (State Farm, Allstate, USAA, Liberty Mutual, American Family, Auto-Owners) offer online claim portals. Contractors cannot legally file on your behalf.
Step 3
Step 3 — Adjuster scope visit
Your carrier sends an adjuster to inspect the damage and write the initial repair scope. Modex can meet the adjuster on-site and document any gaps—such as rotted decking, missing ice-and-water shield, ridge vent retrofits, or code upgrades—to ensure your claim is complete and meets manufacturer specifications.
- Rotted decking
- Ice-and-water shield
- Code upgrades
Step 4
Step 4 — Scope supplements and approval
Modex submits supplement requests to the carrier for any items the initial scope missed, supported by on-roof photography and manufacturer specifications. Once the full scope is approved, you sign the work order. Insurance pays the approved amount minus your deductible, which you pay directly to the contractor. We deliver the work the carrier approved.
- Photo documentation
- Manufacturer specs
- Carrier approval
Process
The claim process at a glance
Four steps from storm to completion.
Document
Roof inspection and damage assessment
Detailed on-roof photo documentation to determine if loss exceeds deductible.
File
Claim submission with carrier
You file directly with your insurer using documentation packet Modex provides.
Adjuster
Carrier inspection and initial scope
Modex meets adjuster and documents gaps in scope for manufacturer compliance.
Approve
Supplements and final approval
Modex submits supplements; carrier approves full scope. Work begins after approval.
Legal
Minnesota Statute 325E.66 compliance
Minnesota law prohibits contractors from waiving, rebating, or offsetting your insurance deductible. Any contractor advertising "no deductible" or "we'll cover your deductible" is breaking state law. Modex complies fully.
Deductible waivers
Illegal
Violates Minnesota Statute 325E.66
Modex approach
Compliant
You pay deductible directly to contractor
Deductible waivers signal other corners are cut
Transparency and legal compliance matter
Full compliance with Minnesota law
No shortcuts, no illegal offers
Math
How deductible math works
Most Minnesota homeowners policies carry $1,000 to $5,000 deductibles for hail and wind damage. Example: a $24,000 hail claim minus a $2,500 deductible equals $21,500 paid by the carrier to you. You pay the $2,500 deductible directly to the contractor. Your total out-of-pocket cost is only your deductible, regardless of the total claim size.
Carrier pays claim minus deductible
You pay deductible to contractor
Work begins after approval
Coverage types matter
ACV (Actual Cash Value) pays the depreciated value of your roof at the time of loss—older roofs receive smaller payouts. RCV (Replacement Cost Value) pays full replacement cost in two stages: the ACV amount upfront, then the remaining depreciation after work is completed and documented. Check your policy to see which coverage type you carry.
Timeline
When you must file your claim
Most Minnesota homeowners policies require claims filed within one to two years of the storm event. A June 2023 hail event may still be claimable through 2025. Older damage may qualify if not previously denied or paid out. Contact your carrier immediately if you suspect storm damage.
- File within 1–2 years of storm
- Older claims may still qualify
- Contact insurer promptly
Common questions
Find answers to the questions homeowners ask most about insurance claims and storm damage in Minnesota.
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.
Authority
Reviewed by Joe Dvorak, Owner, Modern Exterior Systems
Joe Dvorak is the owner of Modern Exterior Systems (Modex), a women-owned roofing, siding, and window contractor headquartered in Eden Prairie, Minnesota. Modex holds manufacturer certifications from CertainTeed, Malarkey, Atlas, LP, and James Hardie, and maintains an A+ rating with the Better Business Bureau. This page was updated in May 2026.
Ready to move forward with your claim?
Call Modex at 952-206-6339 or contact our Eden Prairie office for a free storm damage inspection and claim review. We'll help you understand your coverage and next steps.
Credentials
Manufacturer certifications and licensing
Modex holds active certifications from the industry's leading manufacturers and maintains full compliance with Minnesota licensing requirements. Our credentials reflect years of training, quality standards, and accountability to homeowners.
CertainTeed ShingleMaster
Their top residential credential — and the one that lets us register your extended warranty
Malarkey Emerald Pro
Malarkey's top installer tier. Vista AR and Legacy carry a Class 4 impact rating — the highest there is
Atlas Pro+
Unlocks Signature Select — up to 20 years non-prorated on StormMaster Shake
BBB A+ rating