Navigating Storm Damage Insurance Claims: A Minnesota Homeowner’s Guide
Summer storms in Minnesota can be fast, fierce, and damaging. From hail-dented siding to wind-torn shingles and flooded basements, the aftermath of a storm can leave homeowners overwhelmed. Knowing how to navigate your insurance claim can mean the difference between a smooth recovery and a stressful ordeal.
Why Storm Damage Claims Can Be Tricky
Storm damage isn’t always immediately visible. In fact, insurance companies often deny or underpay claims due to a lack of documentation, delays in filing, or the use of unverified contractors. Minnesota homeowners need to act quickly and wisely.
Step-by-Step: What to Do After a Storm
1. Document the Damage
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Take clear photos of all visible damage to your roof, siding, gutters, windows, and property.
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Include both wide shots and close-ups with timestamps if possible.
2. Contact Your Insurance Provider
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Notify them of potential damage right away, even if you’re unsure of the extent.
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Keep a record of your call or online claim submission.
3. Get a Professional Inspection
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Schedule a storm damage inspection with a licensed, local contractor through construction.mn.
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An experienced inspector can identify issues hidden from plain view, especially roof and attic damage.
4. Review Your Policy Details
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Understand your deductible, what’s covered, and any time limits for claims.
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Ask about code upgrades or temporary housing allowances if major repairs are needed.
5. Avoid Unverified Contractors
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Beware of storm chasers and out-of-state companies offering too-good-to-be-true deals.
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Only work with vetted, Minnesota-based professionals who are licensed, insured, and familiar with local codes.
6. Track All Repairs and Expenses
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Save all receipts, estimates, and communication with your contractor and insurance adjuster.
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These records will help if your claim is disputed or needs further review.
How construction.mn Helps You Take Control
We know Minnesota storms—and we know how to help homeowners respond. At construction.mn, we connect you with trusted contractors who can:
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Provide certified damage assessments
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Guide you through the claim process
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Complete high-quality repairs, on time and on budget
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Don’t Wait—The Clock Is Ticking
