Missing shingles after a storm

Missing or lifted shingles after a storm can let water in with the next rain or thaw. Cover the area, photograph the damage and call your insurer. In Minnesota, contractors cannot offer to pay your deductible, and you can cancel a roofing contract within 72 hours if your claim is denied.

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Emergency Storm Damage Repair

After hail or wind damage, Minnesota law protects homeowners from common storm-chaser tactics. A contractor cannot offer to pay your insurance deductible, and you can cancel a roofing contract within 72 hours of your insurer denying the claim. Check a contractor's state license before you sign anything.

What to do today

  1. Photograph the damage from the ground.
  2. Cover exposed areas with a tarp if it can be done safely.
  3. Call your insurer and read what the policy covers.
  4. Check each contractor's license with the state before signing anything.

When it is an emergency

Water coming through the ceiling, or a tree or branch on the roof, is an emergency. Stay clear of the area and call for help.

Sources

Frequently asked questions

A contractor knocked on my door after the storm. What should I watch for?

The Department of Labor and Industry warns against signing anything early: a form to let them inspect or call your insurer is usually a binding contract. Be wary of offers to pay your deductible, which are illegal, and check the license before you hire.

How to get a quote

Pick a business from the list and use the contact form or phone number on its own website. Asking two or three lets you compare. Cold Home Guide does not take quote requests.