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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.

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Minnesota

Insurance claim authority

Modern Exterior Systems (Modex) is a women-owned roofing contractor headquartered at 6927 Rosemary Rd, Eden Prairie MN. We guide homeowners through the four-step claim process with transparent documentation and carrier coordination.

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Step 1 — Document the damage

After a storm event, Modex performs a roof inspection using on-roof photography and drone imagery to document 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.

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Step 2

Step 2 — File your claim

You file the claim directly with your insurance carrier. Modex provides a complete documentation packet—photos, damage assessment, and drone imagery—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.

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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
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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
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Process

The claim process at a glance

Four steps from storm to completion.

Document

Roof inspection and damage assessment

On-roof photography and drone imagery 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.

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Illegal

Violates Minnesota Statute 325E.66

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Modex approach

Compliant

You pay deductible directly to contractor

Yes
We deliver only carrier-approved work

Deductible waivers signal other corners are cut

Transparency and legal compliance matter

Full compliance with Minnesota law

No shortcuts, no illegal offers

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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

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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.

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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
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Common questions

Find answers to the questions homeowners ask most about insurance claims and storm damage in Minnesota.

What is Minnesota Statute 325E.66?

Minnesota Statute 325E.66 prohibits contractors from waiving, rebating, or offsetting a homeowner's insurance deductible. Any contractor advertising "no deductible" or "we'll cover your deductible" is breaking state law. Modex complies fully—you pay your deductible directly to us after the carrier approves the claim.

What is the difference between ACV and RCV?

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 you carry.

How long do I have to file a 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. Contact your carrier immediately if you suspect storm damage.

What happens if the adjuster misses damage?

Initial adjuster scopes often miss items required for manufacturer compliance—rotted decking, ice-and-water shield beyond eaves, ridge vent retrofits, or code upgrades. Modex documents these gaps and submits supplement requests with on-roof photography and manufacturer specifications. Most supplements approve when properly documented.

Can Modex file my claim for me?

No. You file the claim directly with your insurer. Modex provides the documentation packet—photos, drone imagery, and damage assessment—to support your filing. Most Minnesota carriers offer online claim portals for quick submission. We coordinate with your adjuster and carrier once your claim is active.

Still have questions?

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Real outcomes

Homeowners who worked with Modex on insurance claims.

"Modex handled everything with the insurance company. They knew exactly what to ask for and got us the full scope approved. No surprises, no pressure."
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Sarah M.

Eden Prairie homeowner

"After the hail storm, I was overwhelmed. Modex came out, documented the damage, and walked me through every step. The claim was approved in 75 days."
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James K.

Edina homeowner

"They submitted supplements for items the adjuster missed. The carrier approved all of them. That's the kind of attention to detail you want."
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Patricia L.

Minnetonka homeowner

"Modex never tried to waive my deductible or cut corners. They were transparent about what the insurance would cover and what I'd pay. That honesty meant everything."
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Robert D.

Bloomington homeowner

"The whole process took about three months from storm to completion. Modex kept me informed every step. No surprises, no delays."
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Linda T.

Plymouth homeowner

"They explained the deductible math clearly. I understood exactly what the insurance would pay and what I owed. That clarity made the whole claim feel manageable."
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Michael R.

Hopkins homeowner

"Modex met with the adjuster and caught things he missed. Those supplements added another $8,000 to the approved scope. That's real value."
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Jennifer W.

Chanhassen homeowner

Authority

Reviewed by Joe Dvorak, owner

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.

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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.

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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.

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CertainTeed ShingleMaster

Certified installer

Malarkey Emerald Pro

Certified installer

Atlas Pro+ Silver Select

Certified installer

BBB A+ rating

Accredited business