How To File a Roof Repair Insurance Claim in Minnesota

Filing an insurance claim for your home’s roof

Let’s say you have a damaged roof. What are your insurance options? It depends upon the type of damage and your policy. Each homeowner insurance policy and circumstances will vary so every claim filed with an insurance company is unique.

Almost half of homeowner’s insurance claims involve wind damage or hail damage. This means insurance companies are seeking to limit their risk with specific coverage options by way of naming the coverage something like Wind and/or Hail coverage.

Tip: It is important to note that the insurance company has a limited period for which they are liable for damages from a storm. If you have damage, you need to get on top of the process immediately by getting a professional contractor and an insurance adjuster involved.

Factors that determine the extent (and cost) of damage include:

  • the slope or angle of the roof
  • the brand of the shingle
  • the type of shingle
  • the age and previous condition of the shingle

What Your Policy Covers

Read your policy or just contact your insurance company to find out what coverage you have. Some policies will cover the full cost of repairing or replacing the damaged section of your roof at the time of the claim, regardless of the age of your roof. Some policies take the age of your roof into account at the time it is damaged and then pay based on the depreciated value of the damaged roof. Some policies cover roof damage up to the depreciated value, regardless of the age of your roof.  Almost always your insurance company will send an inspector to investigate and verify the claim. If the damage is determined to be from normal aging and not acute damage it will typically be considered “normal maintenance,” and will not be covered under your policy.

Recap and Bullet list for filing a Roof Insurance Claim

The stakeholders in a roof insurance claim are:

  1. The homeowner
  2. A roofing contractor
  3. The insurance adjuster – (employed by the insurance company)
    1. Pro Tip: Be nice to the Insurance Adjuster

Action items for the homeowner:

  1. Get an estimate from a reputable, local roofer
  2. If damage exists and it’s more than your deductible – File an insurance claim
  3. Meet with Insurance Adjuster
  4. Get the first check from insurance (if coverage applies)
  5. Have the contractor fix the roof
  6. Get the second check from insurance (if you have Replacement Cost Coverage)
  7. Pay roofer


  1. None – you are paying out of pocket
  2. ACV Coverage – Pays a depreciated amount on an older roof
  3. Replacement Cost Coverage – Pays the cost of replacing the roof minus the insurance deductible

You may find a contractor that takes care of most of the insurance aspects for you, or you may choose to take a more hands-on approach. Either way can be good, or bad, depending on experience and diligence.

As always, All Sons Exteriors is here to help will all your roofing needs. We have decades experience serving Minnesota’s roofing needs and are experts in navigating the insurance process. Call us for a free inspection!

Roof and Attic Insulation Materials for Minnesota Homes

Attic insulation is critical to the energy efficiency of your home. The Department of Energy estimates that a properly insulated attic can shave 10 to 50 percent off your winter heating and also save you substantial money on your summer AC bill. Here in Minnesota, we get both extreme winters and hot summers, so roof insulation is more important here than in more temperate regions.

Insulation may be installed in on the roof itself or on the attic floor. Your type of roof or attic may be the determining factor on this, or you may have the option for either or both types.

Roof-Level Insulation

Generally, roof insulation has more benefits and higher overall performance than attic-floor level insulation. Installing insulation at the roof level has several benefits can help to stop air leaks, which drain heat and create uncomfortable drafts. It is possible to use fiberglass batt insulation between attic rafters to insulate cathedral type ceilings and attic roofs, this technique isn’t as effective as the foam insulation on the actual roof because fiberglass insulation can compress and lose R-value, and it’s also unable to stop air from leaking out of or into your house compared to rigid foam boards and spray foam insulation.

Types of Foam Insulation

  • Rigid foam insulation: Rigid foam comes in sheets or panels in a variety of thicknesses. When used as attic roof insulation, rigid foam can be installed between attic rafters, directly beneath attic rafters, or in both locations. It has an excellent R-value, which will not change due to compression, and is effective at preventing leaks.
  • Spray foam: Spray Polyurethane Foam (SPF), is normally applied in the space between attic rafters to act as a moisture barrier and leak barrier. It also has an excellent R-value. For both new construction or a remodel of an attic-type living space, this is a great option.
  • A Combination of Fiberglass and foam: Both materials may be installed together, providing effective attic roof insulation. The fiberglass batts would be installed normally, between attic rafters, and a thin layer of rigid foam is fastened to the bottom edges of attic rafters for a one-two punch.

Floor Level DIY Insulation Options

A loose fill of fiberglass, cellulose, or Mineral Wool may be blown into the space or you can pour the insulation into the cavity and spread it manually.
• Batts of the same above materials, plus cotton, is most often packaged in rolls that come in various thicknesses and standard widths, usually 16 inches and 24 inches, to fit between joists or studs in a house’s framing. They come with or without a paper or foil facing that acts as a vapor barrier. You add one or more layers to achieve the desired level of insulation.

When insulating your home, you can choose from many types of insulation. To choose the best type of insulation, you should first determine the following:

  • Where you want or need to install/add insulation
  • The recommended R-values for areas you want to insulate

roof and attic insulation in minnesota home

Installing Insulation

The maximum thermal performance or R-value of insulation is very dependent on proper installation. Homeowners can install some types of insulation — notably blankets and materials that can be poured in place. Other types require professional installation.

When hiring a professional certified installer:

  • Obtain written cost estimates from several contractors for the R-value you need, and don’t be surprised if quoted prices for a given R-value installation vary by more than a factor of two.
  • Ask contractors about their air-sealing services and costs as well, because it’s a good idea to seal air leaks before installing insulation.
  • To evaluate blanket installation, you can measure batt thickness and check for gaps between batts as well as between batts and framing. In addition, inspect insulation for a tight fit around building components that penetrate the insulation, such as electrical boxes. To evaluate sprayed or blown-in types of insulation, measure the depth of the insulation and check for gaps in coverage.
  • If you choose to install the insulation yourself, follow the manufacturer’s instructions and safety precautions carefully and check local building and fire codes. Do-it-yourself instructions are available from the fiberglass and mineral wool trade group. The cellulose trade group recommends hiring a professional, but if there isn’t a qualified installer in your area or you feel comfortable taking on the job, you may be able to find guidance from manufacturers.

The table below provides an overview of most available insulation materials, how they are installed, where they’re typically installed, and their advantages.

Type Insulation Materials Where Applicable Installation Method(s) Advantages
Blanket: batts and rolls •Fiberglass

•Mineral (rock or slag) wool

•Plastic fibers

•Natural fibers

•Unfinished walls, including foundation walls

•Floors and ceilings

Fitted between studs, joists, and beams. Do-it-yourself.

Suited for standard stud and joist spacing that is relatively free of obstructions. Relatively inexpensive.

Concrete block insulation

and insulating concrete blocks

Foam board, to be placed on outside of wall (usually new construction) or inside of wall (existing homes):

Some manufacturers incorporate foam beads or air into the concrete mix to increase R-values

•Unfinished walls, including foundation walls,

for new construction or major renovations

•Walls (insulating concrete blocks)

Require specialized skills

Insulating concrete blocks are sometimes stacked without mortar (dry-stacked) and surface bonded.

Insulating cores increases wall R-value.

Insulating outside of concrete block wall places mass inside conditioned space, which can moderate indoor temperatures.

Autoclaved aerated concrete and autoclaved cellular concrete masonry units have 10 times the insulating value of conventional concrete.

Foam board or rigid foam •Polystyrene



•Unfinished walls, including foundation walls

•Floors and ceilings

•Unvented low-slope roofs

Interior applications: must be covered with 1/2-inch gypsum board or other building-code approved material for fire safety.

Exterior applications: must be covered with weatherproof facing.

High insulating value for relatively little thickness.

Can block thermal short circuits when installed continuously over frames or joists.

Insulating concrete forms (ICFs) •Foam boards or foam blocks •Unfinished walls, including foundation walls for new construction Installed as part of the building structure. Insulation is literally built into the home’s walls, creating high thermal resistance.
Loose-fill and blown-in •Cellulose


•Mineral (rock or slag) wool

•Enclosed existing wall or open new wall cavities

•Unfinished attic floors

•Other hard-to-reach places

Blown into place using special equipment, sometimes poured in. Good for adding insulation to existing finished areas, irregularly shaped areas, and around obstructions.
Reflective system •Foil-faced kraft paper, plastic film, polyethylene bubbles, or cardboard •Unfinished walls, ceilings, and floors Foils, films, or papers fitted between wood-frame studs, joists, rafters, and beams. Do-it-yourself.

Suitable for framing at standard spacing.

Bubble-form suitable if framing is irregular or if obstructions are present.

Most effective at preventing downward heat flow, effectiveness depends on spacing.

Rigid fibrous or fiber insulation •Fiberglass

•Mineral (rock or slag) wool

•Ducts in unconditioned spaces

•Other places requiring insulation that can withstand high temperatures

HVAC contractors fabricate the insulation into ducts either at their shops or at the job sites. Can withstand high temperatures.
Sprayed foam and foamed-in-place •Cementitious




•Enclosed existing wall

•Open new wall cavities

•Unfinished attic floors

Applied using small spray containers or in larger quantities as a pressure sprayed (foamed-in-place) product. Good for adding insulation to existing finished areas, irregularly shaped areas, and around obstructions.
Structural insulated panels (SIPs) •Foam board or liquid foam insulation core

•Straw core insulation

•Unfinished walls, ceilings, floors, and roofs for new construction Construction workers fit SIPs together to form walls and roof of a house. SIP-built houses provide superior and uniform insulation compared to more traditional construction methods; they also take less time to build.

A Minnesota Winter is Coming. Is Your Roof Ready?

It’s that lovely time of year in Minnesota. The trees are changing. The mornings are crisp. You have your rakes in queue – and your shovels right behind them. Have you thought about the integrity of your roof? This is a smart time to get your roof inspected.

It’s best to call a professional roofing contractor, who will know both the ins and outs of roof wear and also the required safety precautions so you don’t have a lawsuit from someone falling off your roof. Most contractors will offer a flat rate inspection – and some may even do it free if you are in the neighborhood.

If your roof is new, you probably do not need this, but even so a new roof may have storm damage you do not even know about, and that makes it vulnerable to water penetration. The least you should and must do is to visually inspect your roof from the ground. Are there missing shingles, damage to soffits, uneven or sagging areas that could indicate warped boards underneath? Are there areas with moss? That means excessive and continued moisture is present and could mean rot underneath. Are there any large tree branches up there? If so, you could have a penetration from that falling branch. If you see anything unusual, getting a professional inspection is a good next step.

Moss on roof in Minnesota.
Moss on roof in Minnesota. This roof needs a full inspection before the Minnesota Winter hits.

The professional roof inspector will look for a number of things, such as shingle integrity, where the shingles meet flashing or any objects that extend out of the roof, such as vents and chimneys. These areas are always weak spots and should be looked over carefully.

Inspect your roof gutters before the Minnesota winter hits
Inspect your roof gutters before the Minnesota winter hits

Moving out and down, where the gutter is attached is often a trouble spot. They can get filled up with leaves and such and then create areas of excessive moisture, which can lead to soffit rot. It’s always a good idea to clean out your gutters after the leave have fallen because a packed gutter can lead to ice dams that can cause damage to the roof. We’ve even seen gutters tear off a house because they were so weighted down with ice!

Moving to the inside and under the roof, inspecting your attic, if possible, is another smart move. You want to make sure there is no evidence of water damage, the vents are clear and airflow is adequate, and the insulation is ample and consistent to prevent ice dams.

All Sons Exteriors is always available for consultation and inspection. We know how hard a Minnesota winter is on roofs and are here for you.

Opening Up on Door Replacement

Picking out a new front door (or any door, for that matter) typically comes down to three major factors: appearance, cost, and security. How much weight each factor carries will change from person to person, but they all will always come into play in one way or another. You may be someone who is concerned, first and foremost, with appearance. After all, your front door is usually the first aspect of your house to which a passerby or dinner guest’s eyes are drawn. Or it may be that you have more of a utilitarian disposition, and are only concerned about the integrity of your house’s security. Wherever your motivations lie, there are plenty of options available.

If you are primarily concerned about how your door looks, you will likely end up looking into wood or wood-mimicking fiberglass for the door itself. Both options allow for an elegant look while providing insulation and security. Of course, some elegance comes with its downsides. Adding glass panels to or around the door will make for additional costs and, depending on the type used, negatively affect the insulating properties of the door. Genuine wood is, as per usual, the most expensive material option available for doors, but if you want to maintain the look while putting the savings into more energy-efficient glass, less expensive fiberglass doors can be stained or otherwise made to look like the real deal. Prices range from several hundred to several thousand dollars, depending upon size, shape, windows, and finish.

As far as security goes, you actually do not need to worry all that much about materials. So long as the frame and lock are up to snuff, most door types are comparable, with steel being noteworthy only insofar as it is generally cheaper than wood and fiberglass while maintaining similar levels of sturdiness. The lower price tag comes with its own tradeoffs, in particular the possibility of rust or denting.

There are a large number of permutations when it comes to picking out a new door, so no matter what you are looking for, you will be able to find something satisfactory. There are many peripheral options that go along with the main door itself, from pre-set frames to glass panel coatings that make them more break-resistant. If you find yourself worrying about some aspect of your new potential entrypoint, bring it up, with your contractor or with whoever you are buying the door from. After all, your satisfaction is their priority.

Gutter Options in Minnesota

Whether you are already planning on new roofing and will need new gutters to go along with it, or you noticed some wear and tear during spring cleaning, it is helpful to know what is available to you when it comes to replacing a gutter system. If you are a more do-it-yourself type of person, you will need to look into mounting types and other aspects of sectional gutters, as you will likely be installing it in 10-foot sections. Fortunately, DIY gutter systems are widely available and are relatively easy to install. But even if you have the drive to get the job done with your own two hands, you may want to consider a professional job, for a few different reasons.

Residential gutters on house in minnesota
Residential gutters on home in Minnesota

First off, a professional gutter installer will often have a machine on hand that makes seamless gutters, allowing your gutters to be custom-fit to your roof without the added potential for joint leaks that comes with section-based gutters. The shape that it comes in is also up to you, but the most popular shapes are either K-style, which is an ogee shape (and admittedly only distantly resembles its namesake), and fascia, which hides more of the gutter’s structure. Other shapes are also available but are more likely to run the risk of debris buildup and subsequent overflow.

When it comes to materials, the two most inexpensive options are vinyl and aluminum. Vinyl may edge out aluminum when it comes to cost but tends to break down due to the expansion and contraction that comes with the changing of the seasons. On top of being inexpensive, aluminum can be painted, coated, and otherwise altered to be resistant to the elements, easier on the eyes, and so on. There are, as with any project, a few higher-end choices as well. Copper gutters are quite fashionable, wear extremely well, and resist rust, and stainless steel gets a leg up over regular steel (which is more prone to rusting), but both are dramatically more expensive.

Ice build up gutters in Minnesota
Ice build up gutters in Minnesota

Any new gutter installation can be complemented with additional peripherals. You can get covers over the top, filters on the inside, and any number of other value-adding coatings and finishings. Herein lies another reason to go to an installer for your gutter system: simply put, they’ll be able to tell you which add-ons will actually be useful for your situation. As long as they’re already producing some sturdy seamless gutters for you, you might as well take advantage of their professional know-how.

A Roof Needs to Breathe – Proper Roofing Ventilation

Knowing Your Roof

Whether you are considering a new roof or have been living under the same one for a decade, understanding what goes into your roof is important. It does more than just keep off the rain, snow, and all the rest: it also regulates temperature, and protects the house from the nastier sides of the elements. There is a lot that goes into making a roof reliable, but fortunately, it all has a logic to it. While every part of the structure is important, there are a couple aspects that stand above the rest.

anatomy of a roof

One such aspect of roof durability is ventilation. Just like any other part of your home, you want to make sure that nothing (aside from memorabilia) is building up in your attic. Everyone has seen what happens to a forgotten Tupperware of leftovers in the back of the fridge, no one wants the same thing to happen to their house. Therefore, proper insulation and airflow are key to making a roof effective at dealing with moisture and temperature. As an added bonus, the temperature-regulating properties of a well-made roof will also reduce energy consumption.

diagram of air circulation and ventilation in a roof

Alongside ventilation is a more visible aspect of the roof: the shingles. There are many options available, but the right material for you will depend on your location and personal taste. Although cedar shingles may accentuate the rest of the house perfectly, the climate of your area may be the deciding factor that turns you towards metal. Some types of shingling are more expensive than others, some are more heavy, but a good contractor will be able to help you narrow it down. If indecision is playing a role in getting your house reroofed, remember: asphalt shingles are just as good as anything else. There is a reason why they are the most popular type on the market.


Even the most enduring roof will break down eventually. After all, part of its job is to take a beating. A strong roof can typically be relied upon for around ten years, but as with anything else, it is good to check up on it regularly. Just because there are not any wet spots on the bedroom ceiling does not mean that something might be compromised. Fortunately, though, a damaged roof is easily noted. Shingles that are buckling, lacking the roughness lent by their built-in granules, or that are missing altogether are some common indications that a roof needs attention. Rotted or curling sections of roofing are also reliable signs. When in doubt, get a professional examination. It is better to be sure than to worry about a leaking roof every time rain rolls through.

Exterior Siding Has a Tough Job to do in Minnesota’s Tough Climate

Considering how much surface area of your home it covers, exterior siding can be considered just as important, if not more important, than roofing for keeping water out. Especially in the harsh range of weather conditions we see here in Minnesota. There’s quite a bit of overlap between roofing and exterior siding’s purposes and in terms of function and in terms of maintenance. Luckily, just like with a roof, it is generally pretty clear when siding needs to be addressed.

Most signs of degraded siding can be noticed at a glance. Fading, rotting boards, and frequently chipping, cracking, or bubbling paint are two such examples. However, other indicators are not quite as obvious and require closer forms of examination. For instance, the paint job might be staying intact, but a quick poke around with a screwdriver or a finger might reveal that the material underneath is going soft and that rot or mold is present.

diagram of how much moisture it takes to rot or mold housing substrate
Diagram of how much moisture it takes to rot or mold housing substrate.

It is also important to understand that siding, just like roofing, helps insulate your house, and regulate its temperature. If you notice that heating or cooling the house is becoming more difficult, or that your energy bills are increasing for no apparent reason, you may want to have an exterior siding contractor checked out your home.

exterior siding ventilation diagram
Exterior siding ventilation diagram.

When getting your siding replaced, there will be a range of materials available with which to do so. Wood, which may be what you have already depending on the age of the structure, will give a good look to your house. However, just like your roofing, your siding is intended to take a beating from the elements. As such, wood siding requires considerable maintenance, so you may want to opt for a more durable material. Two popular materials that fit the bill are vinyl and aluminum. Each is much more durable than wood, and vinyl in particular is on the more affordable end, but each has its own caveats. Aluminum can experience oxidation, resulting in fading and colored runoff, while vinyl is vulnerable to cracking in the bitter conditions of winter. However, treatments and textures are available for both that can help to mitigate these issues to help keep the water barrier intact.

diagram of exterior siding repelling rain
Diagram of exterior siding repelling rain.

If none of those seem appealing, there is another popular option available: cement siding. While on the more expensive side of siding, it earns its price point. As the name would suggest, it is highly durable, but it imitates the appearance of wood siding, and is produced from recycled materials. To top that all off, it is also low maintenance, so if it fits your budget, it should certainly be considered. The material you choose to run with will ultimately come down to your preferences, but a good contractor will be able to help you consider your options thoroughly.

The Top Three Siding Materials Used on MN Homes

Here’s some advice from a siding contractor to help you determine what is best for you and your home.

One of the most dramatic ways to make a lasting change to the exterior of your home is to replace the siding. While the change will be immediate and refreshing, the benefits can be equally as impressive.

When vinyl siding first became widely available in the 1950’s, there were very few choices and even fewer colors. Today, siding is available in a number of materials and every imaginable color and texture. From bargain basement thin white vinyl siding to durable and intricately textured premium metal siding that will last a lifetime. Siding can fit any style, any climate, and any budget.

All Son’s Exteriors has over 30 years of experience as professional siding contractors. We know the siding industry inside and out! We can help you find the best material for you at a price that complements your home. What’s more, our quality installation services are unmatched in the Twin Cities and greater MN.

Here is a quick list of some of the most popular siding materials available today. They will all sound very familiar, yet the benefits and applications may surprise you.


Vinyl siding became the first competitor to the more traditional wood siding. This space-age material was originally thin, brittle, was prone to discoloration, and had a lifespan of around 10 years. On the other hand, it was a very economical way to reside your home and give it a brand new look.

That was then, this is today. Your options for vinel siding are now vastly improved. It is available in heavier thicknesses, comes in many colors that can withstand the heat of the sun, and are much more durable than ever before. Also, you can get it “textured” to look like wood, for example. Vinyl is still the cost leader when it comes to dollar per installed foot.

Example of Vinyl siding in MN
Example of Vinyl siding in MN


Aluminum siding has technically been available longer than vinyl siding. The cost of vinyl siding is what created the entire industry and made it popular among homeowners. Aluminum has many advantages over vinyl. Like vinyl, aluminum is available in various thicknesses. It is resistant to cracking. It comes in many colors and textures and can be easily painted. In high traffic areas, aluminum can be prone to denting and damage. These areas can be easily maintained with procedures as simple as touch-up paint, to replacing siding panels. There is a lot of flexibility with aluminum at a higher price providing greater value.

Example of MN exterior siding contractor aluminum siding
Example of MN exterior siding contractor aluminum siding

Steel siding is most certainly the premium material out of these three. It provides the ease of installation, the flexibility of shapes and textures and can be easily painted. It is the most durable of the three. Able to withstand not only the heat and the sun, high traffic areas, and also the extreme weather we often find here in Minnesota.

Example of MN exterior siding contractor steel siding
Example of MN exterior siding contractor steel siding

All Son’s Exteriors has decades of professional installation and services experience with all kinds of siding in Lakeville MN. Call us today at  952-469-5221 or email us at and speak with one of our installation experts. Let us help you decide on the best material for your family, for your home, and for you.

Factors Affecting Hail Damage to Roofs in Minnesota

The damaging power of hail on on asphalt shingles

Hail damage to shingles of home in mn
Hail damage to a roof in MN.

Minnesota summers bring storms! While it can be fun for some to watch the lightening and feel the thunder from big cumulonimbus clouds clouds, hail often accompanies these natural displays energy. Hail damage to roofs affects thousands of homes each year all over Minnesota. Hail damage can affect all types of roofing materials and is particularly damaging to asphalt shingles.

hailstones from storm in minnesota
Hail stones can get as big as a golf ball.

Hail Physics

Several components affect how much damaging force hail has. Hail size, weight, density, and speed are all factors that combine to deliver a certain amount of potential energy. We will discuss in greater detail these factors.

The size of hail may be as small as a pebble to larger than a baseball. It doesn’t take a degree in physics to know that the baseball sized hail is going to do more damage than the pea sized hail stone, but if you have to hail stones of equal diameter, the other factors come into place. Shape, for example, can have an impact on the impact force. While round is the most common shape, hail can also develop into an oval or elongated shape, which can achieve a greater speed, will have greater weight per diameter, and will usually hit with more force and result in more damage.

hail impact force increases with velocity

Density plays a huge role in the energy transmission potential of a hailstone. Counterintuitively, in colder air temperature conditions the hailstone will develop softer and usually smaller compared to warm weather hail storms.

diagram of hail force

In the Clouds

Hail forms in thunderstorm clouds that have strong updrafts, often over 100 mph, high liquid water content, and where a good portion of the cloud layer is below freezing. Hail begins as water droplets, like rain in any large cloud. As the droplets rise and the temperature goes below freezing, they freeze on contact with other water droplets.

green hail producing cloud in Minnesota
Green hail producing cloud in Minnesota

If you looked at a cross-section of a large hailstone it looks like an onion. Because the stone increases in size as it moves vertically through a cloud, the higher altitude collisions yield a colder denser layer. So, the density of these stone scan vary from 0.5 to 0.9 grams per cubic centimeter. As a reference point, water is a 1 gram per cubic centimeter in liquid form, and as we know, ice is less dense than liquid, at about 92% the density of water. Air bubbles trapped in the water yield a less dense hailstone that has less impact force.

Example of layers in a hailstone
Example of layers in a hailstone

The hailstone will keep rising in the thunderstorm until its mass can no longer be supported by the updraft. This may take at a half-hour depending upon on the force of the updrafts and the top vertical height of the clouds, whose tops may be greater that usually greater than 6 miles high!

a hail shaft from storm cloud in minnesota
A hail shaft from storm cloud in Minnesota

Eventually the weight of the stone is greater than the force of the updrafts and it falls out of the cloud, gaining speed until terminal velocity is reached. The terminal velocity of a hailstone is the speed of falling (gravity vs wind resistance) plus the speed of the wind. In a windless condition a hail stone will hit at, say, 72mph. Add in a forty mile per hour gust and that hailstone is going over 80mph. The impact force with the wind vs no wind is 30% greater.

Then there is the impact angle of the hail. If a stone is falling straight down on an angled roof, the impact is less than if a falling onto a flat roof. The same is true if a hailstone falls sideways into an angled roof, resulting in a direct perpendicular impact.

diagram of hail impact angle on a roof

Roof age has an effect too. An older roof tends to be more brittle. The shingles will crack or puncture more easily than a newer roof. Furthermore, a south facing roof will sustain more damage because the shingles will tend to be more weathered from the heat and UV damage of the sun. And speaking of temperature, a roof that is colder rather than warmer will sustain more damage, because the cold will make the shingles more brittle.

Exterior Siding Too

Exterior siding can also get destroyed by hail. If your home looks like this, we can help!

hail damage to exterior siding of home in minnesota
Hail damage to the exterior siding of a home in MN.

Wrapping up

As you can see, there are a lot of factors that govern how much damage a residential roof will receive in a hail storm. The size of hail, the density of the hail, the velocity and angle angle of impact, age of materials, type of roofing materials, and temperature all combine into a cocktail of physics. Math equations aside, if your roof is victim in the next hail storm to sweep through minnesota, call All Sons Exteriors for a free hail damage inspection.  952-469-5221

Emergency Roof Tarp After Storm

Your home usually is your most valuable asset, not to mention where you live. When good old Minnesota nature rears it’s ugly head and damages your roof or exterior, creating a penetration into the structure, you need to act immediately to protect your home from further damage.

The need to secure you roof is not limited to  storm damage. We’ve dealt with the aftermath of vandalism, fire, and other accidents in which a roof was compromised.

The most common culprits are trees, high winds and tornadoes, or hail and lightening. The damage may be severe and obvious or the damage may be elusive and take days or months to manifest in a leak. If you see or suspect damage, you really should error on the side of caution and get an inspection.

Regardless how it comes, the main objective is to protect your home as soon as possible. That’s why we offer our emergency services. As with all repair work, if the job’s not done correctly you will have wasted the money you spent and more than likely added more damage to your home. You can do the work yourself, just be extremely careful. Make sure you cover the entire area using proper installation methods to keep the temporary roofing from being damaged from high winds or other weather events. And please always keep safety in mind.

Emergency roof tarp in Minnesota
Emergency roof tarp in Lakeville, Minnesota

Can you do this yourself?

Maybe. Working on roofs is never a “safe” environment, and when damage and trees are involved it gets even trickier. This is a good reason to let the experts with years of experience do this. We will make sure it’s done safe and you roof is safe from further damage.

How Fast Can You Get to My House?

All Sons Exteriors will get your roof and house protected within 24 hours from contacting us. If a tree is part of the equation, as is often the case, we can assist or advise on the best removal options. Depending upon the size and orientation of the tree, it may need to be removed quite carefully to avoid further unnecessary damage.

Call us at 952-469-5221 to get emergency tarps on your roof.

What is involved?

During emergency roof tarping, boarding, or repairing operations, our experienced roofers will  create a temporary barrier and make a plan to get the roof repaired as soon as possible.

What About Insurance?

All Sons Exteriors is a fully licensed and insured Minnesota company. We are very familiar with the insurance claim process and can guide you through the process.

Crew installing tarp on damaged roof in Minnesota
Installing tarp on damaged roof in Lakeville, Minnesota

Priority One: Protection

Contact All Sons Exteriors for an immediate roof inspection. We will triage the damage and secure the structure as needed right away.

Next Step: Estimate and Insurance

We will estimate the proper repairs and coordinate with your insurance to make sure you are properly covered for repairs.

Final Goal: Total Repair

All Sons Exteriors wants to get your home back into perfect condition. In fact, we like to leave it in better condition that it was before your damage situation. You can trust in us to take treat your property as though it was our own.

We are a Minnesota company and are invested in our community. We are you partner for protecting your home over the long haul.

Call Kathy at 952-469-5221 to get your project rolling.