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.

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.

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.

The Top 3 Roofing Materials for Homes in Lakeville, MN and the Twin Cities

Here’s how a roofing contractor can help you determine what is best for you and your home.

Find out the top 3 roofing materials for homes in the Twin Cities and greater Minnesota

A new roof is not only a major investment in your house, it can completely transform your home. Old roofing materials are now new again. There are now more choices than ever before. Each choice comes with some benefits and some considerations. The plain black asphalt tiles of the past may be available, and there is so much more to choose from including several other materials.

All Sons Exteriors only partners with leading manufacturers to give your home the presence it deserves. The materials are only as good as the people who install them. All Sons Exteriors has the over 30 years of experience so you can trust the durability of your roof for the next 30 years.

Since roofing technology has changed so much over the years, here are the top 3 roofing materials people are using today in Lakeville MN. We can help you choose which roofing solution makes the most sense for your home and for your family.


wood shingles aged by weather
Wood shingles look great but are harder to maintain

Wood has been available as a roofing material for as long as there have been roofs. While many people prefer the look of wood shingles, there are an equal number of homes that require the classic look of cedar shingles. Unfortunately, new local codes often times prohibit the installation of wood materials for new roofs. This can create issues for the homeowner who is looking for a more traditional look. Our roofing material partner Certainteed has an entire line of composite roofing materials inspired by the classic look of cedar shingles. Like many other composites, these are available in a wide variety of colors to give your home a roof that looks new, yet very familiar.


metal shingle example from mn roofing contractor
Metal shingles can look like tile and other materials.

Metal roofing products are becoming more and more popular. Not only do they enhance contemporary, modern and the newest home styles, they can also be used with more traditional homes. No matter your house style, metal roofing has a style and finish to make your home at home in any neighborhood. Metal roofing has three big advantages over other roofing materials.

The first is it is the most durable against natural disasters. It is also fireproof. The second advantage is that it is low maintenance meaning there are fewer costs associated with maintaining this material in the long run. And the third advantage is that metal roofs last the longest. Some manufacturers offer a 50-year warranty for metal roofs. That is not to say that steel is indestructible. Severe hail can even damage a steel roof.

Metal roof damaged by hail
Metal roofing cand be damaged by large hail. No roof is damage proof.

Asphalt Shingles

Your parents probably had only one choice when it came to roofing shingles and that was asphalt. Now, homeowners have a diverse choice when it comes to asphalt shingles. Our partner GAF has a premium line of shingles that combine the elegance of a wood or composite shingle, the durability of a metal roofing material, that comes with a lifetime warranty. There are a wide variety of textures, colors, and technology built into every asphalt shingle to maximize both the style and the function of your investment.

Why not call All Sons Exteriors to schedule an appointment and get an estimate by calling  952-469-5221 or email us at We can show you how you can effectively change the entire feel of your house yet still maintain the charm of your home in your neighborhood.