Hail & Storm Damage

After a storm, the worst thing you can do is call the insurance company before someone has actually looked at your roof. Filing a claim that turns out to be cosmetic-only puts a mark on your insurance history for nothing. We climb the roof first, document what’s actually there, and tell you whether it’s worth filing.

Cost

Free storm assessment

Insurance

We meet your adjuster on the roof

Role

Contractor, not public adjuster — we document, we don’t negotiate

Tarping

Emergency tarping available

Response time

24 business hours · faster during major storm events

Service area

Minneapolis metro · 9 cities + surrounding

Sellers Roofing is a contractor, not a public adjuster

That distinction matters. Public adjusters negotiate the dollar amount of your claim with the insurance company for a percentage fee. We don’t do that. We document the damage that’s on your roof and meet your adjuster up there to make sure nothing gets missed. If the adjuster’s scope is incomplete, we supplement it with a written report. Then we install what your policy covers.

How a storm claim actually works

1. Free storm assessment — we climb the roof and photograph hail strikes, wind lift, or impact damage.
2. Honest go/no-go — if it’s cosmetic-only or below your deductible, we say so. No claim filed.
3. Filing the claim — you call your insurance and start the claim. Your adjuster schedules a roof inspection.
4. Adjuster meeting — we meet them on the roof, walk through the damage, and document anything they miss.
5. Scope review — once you get the loss summary, we review it and supplement if needed.
6. Install — we replace the roof per the approved scope, you pay your deductible, claim closes.

What hail damage actually looks like

Functional hail damage on asphalt shingles shows up as round bruises where the granules have been knocked off, exposing the mat underneath. Not every dark spot is hail. Wear, blistering, manufacturing defects, and even foot traffic can mimic it. That’s why a written, photo-documented assessment matters before anyone files a claim.

Minnesota’s hail history — why this matters here

The Twin Cities sit inside the upper Midwest hail belt, and two recent storms illustrate why prompt documentation matters. The August 11, 2023 storm sent golf ball- to tennis ball-sized hail through the northwest suburbs in a NOAA-certified billion-dollar disaster event. The May 19, 2022 storms produced quarter- to golf ball-sized hail across the broader Minneapolis metro, generating an estimated $2.6 billion in regional damage. Most Minnesota policies allow one to two years from the date of loss to file a claim, but the window and requirements vary by carrier — the sooner damage is documented, the stronger your position.

Frequently Asked Questions

Should I call my insurance company first, or you first?

Us first. A free assessment tells you honestly whether there’s damage worth filing on, so you don’t open a claim file for something cosmetic.

Do you charge extra for emergency tarping after a storm?

We don’t charge storm-victim emergency-service markups. Tarping cost, if needed, is disclosed up front.

What if my adjuster’s estimate misses damage you documented?

We supplement the scope in writing with our photo documentation. This is a normal part of the claims process, not a confrontation with your insurer.

Is it too late to file if the storm was over a year ago?

Possibly not — Minnesota policies generally allow one to two years, but it depends on your specific carrier and policy. Contact your insurer and call us for a free inspection to document current condition either way.

Will you handle the whole claim process for me?

We handle the roof documentation, adjuster meeting, and installation. You (or your public adjuster, if you hire one) handle the negotiation of the claim dollar amount — we’re upfront that this isn’t something a roofing contractor should be doing.

BBB Accredited · GAF & Owens Corning Certified · State of MN Master Roofing Contract · Black-Owned Business