How it works
The Department of Labor and Industry warns that a form a salesperson asks you to sign so they can inspect the roof or talk to your insurer is usually a binding contract. Neither task needs your written permission.
Licensed contractors must carry liability insurance, and only a licensed contractor's customers can claim from the state's Contractor Recovery Fund.
- Photograph the damage and cover open areas to keep water out.
- Call your insurer and read what the policy covers.
- Get bids from licensed contractors and check each license with the state.
- Sign one contract, for the agreed scope, after you have chosen.
When to call
Call when shingles are missing or lifted, when water comes in after a storm, or when a neighbor's roof was damaged in the same storm and you want yours checked.
- Missing shingles after a storm fixes now
Emergency Storm Damage Repair by state
| State | License rule | Busiest months | Confirmed businesses |
|---|---|---|---|
| Minnesota | Minnesota law bars a contractor from offering to pay your insurance deductible or rewarding you for an inspection, a claim or a referral, with fines up to $10,000 a violation. | Apr, May, Jun, Jul, Aug | 967 in Minnesota |
Sources
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.