Storm Damage Repair in Minnesota

Hail and high wind can damage your roof, siding, gutters and windows in ways you can’t see from the ground. Since 2008, our Blaine team has helped Minnesota homeowners document storm damage, work through their insurance claims and restore their homes.

Blaine office: 1543 92nd Ln NE, Blaine, MN 55449 · (612) 808-6025 · MN License #BC635372
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(612) 808-6025

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Most Contractors React. We Get Ahead of Your Insurance Company.

After a major storm, your neighborhood fills up with contractors you’ve never heard of. They knock on your door, promise a free inspection, and then wait to see what your insurance adjuster approves.

That’s not how we work. Innovative Building & Design has a dedicated Claims Success Manager whose job is to get ahead of the insurance process, not react to it. We document the damage, write a detailed estimate and help you submit everything to your insurance company before their adjuster arrives. Your insurance company makes the coverage decision; we make sure it sees the full picture.
Get Your Free Damage Assessment
Illustration: tablet showing dated roof photos and a measured roof diagram during a hail damage inspection, with chalk-circled hail hits on the shingles
Illustration of what “getting ahead” looks like: every hit circled, photographed with a date and mapped on a measured roof diagram before the adjuster arrives. Not a photo of an IBD project.

Why Minnesota Homeowners Choose Innovative Building & Design

We’re not a storm-chasing crew that blows into town after a hail event and disappears six months later. We live here, we work here, and we’ll still be your neighbor long after your project is complete. Since 2008, we’ve helped homeowners across Blaine, Coon Rapids, Andover and surrounding communities restore their homes after storm damage.

  • Free storm damage inspection with dated photos
  • A Claims Success Manager who works with you and your insurance company
  • Roof, siding, window and gutter restoration from one company
  • Locally owned in Blaine since 2008
  • Minnesota License #BC635372

Signs of Damage on Your Home

  • Bruised, cracked or missing shingles
  • Shingle granules collecting in gutters and downspouts
  • Dents on gutters, downspouts, roof vents or siding
  • Cracked, chipped or loose siding
  • Broken window seals, screens or glass
  • New water stains on ceilings after a rain
Book a Free Inspection

Getting Started Is Simple

Schedule your free damage assessment

Call (612) 808-6025 or fill out the form on this page. We inspect your roof, siding, gutters and windows and document every bit of damage.

We work with your insurance company

Our Claims Success Manager prepares a detailed damage estimate and works with you and your insurer so the claim reflects the full scope of repairs.

We restore your home

Quality materials, an experienced crew and a clean job site. You get a written contract before any work starts.

Minnesota hail

What Size Hail Damages a Minnesota Roof?

Most Minnesota hail falls in late spring and summer, and it rarely hits a whole city evenly. One side of Blaine can take golf balls while the other side gets rain. Here’s a plain guide to what each size usually does to a typical asphalt shingle roof.

  • ¼–¾ in.Pea to pennyStrips granules on older shingles, shreds screens and dents soft aluminum gutters and downspouts.
  • 1 in.QuarterThe National Weather Service’s “severe” size. Often bruises asphalt shingles and dents vents and siding.
  • 1¾ in.Golf ballCracks shingles, breaks the mat underneath, splits vinyl siding and damages window frames.
  • 2¾ in. +Baseball and upPunches through shingles, cracks the roof deck and breaks windows and skylights.

Wind matters too. Gusts of 58 mph or more count as severe, and they can lift, crease or tear off shingles with no hail at all. Older roofs, and roofs that already lost granules, can be damaged by smaller hail than these numbers suggest. Hail sizes and the 1-inch / 58 mph severe thresholds: National Weather Service.

Insurance, step by step

How a Minnesota Hail Claim Usually Goes

Every insurer is a little different, but most Minnesota hail claims follow the same path. Knowing it ahead of time takes a lot of the stress out.

  1. Get an inspection before you call your insurer.A free inspection with dated photos tells you whether there’s real storm damage. If there isn’t, we’ll tell you, and you haven’t opened a claim for nothing.
  2. You open the claim.Call your insurance company or file online, then write down your claim number and your adjuster’s name.
  3. The adjuster inspects your home.We can meet the adjuster on site, walk the roof together and point out each documented hit, so nothing gets missed.
  4. Compare the scope to the damage.Your insurer sends its estimate. We compare it line by line with what we documented, and if something is missing we give you the photos and measurements to send back.
  5. Repairs and final paperwork.You sign a written contract, we pull any permit your city requires, do the work and send the final invoice and completion photos for your file.
Minnesota law protects you. Under Minn. Stat. § 325E.66, a residential roofer or contractor can’t promise to pay your deductible, can’t pay you to allow an inspection or file a claim, and can’t interpret your policy or adjust your claim unless licensed as a public adjuster. We follow it. Your insurance company decides what’s covered; our job is to document the damage and the cost to repair it.
Repair or replace

Do You Need Repairs or a New Roof?

Not every storm means a new roof. Here’s how we think about it, and we’ll show you the photos that back up our answer.

A repair usually makes sense when

  • Damage is limited to a few shingles or one slope
  • The roof is fairly young and in good shape otherwise
  • Matching shingles are still available

A replacement usually makes sense when

  • Hail bruised shingles across several slopes
  • The roof is older, brittle or has already been patched
  • Your shingle line is discontinued and can’t be matched
Timing

Why Waiting Costs More in Minnesota

Bruised shingles keep shedding granules and age faster in the sun. Small breaks let water in, and a Minnesota winter of freeze-thaw cycles and ice dams turns a small leak into wet insulation and stained ceilings. Most insurance policies also set a deadline for reporting storm damage, so check yours.

How to check out a storm contractor

  • A Minnesota license you can look up. Ours is BC635372 with the Minnesota DLI
  • A local office you can visit. Ours is 1543 92nd Ln NE in Blaine
  • A written, itemized estimate before you sign anything
  • No offers to cover your deductible, and no pressure to sign at the door

Serving Minnesota From Our Blaine Office

Our Blaine office serves the north metro, Roseville and south-central Minnesota. See every city in our Minnesota service areas.

Common Questions From Minnesota Homeowners

Yes. Our Claims Success Manager documents the damage, prepares a detailed estimate and works with you and your insurance company through the claim. Your insurance company decides what it covers.

You often can’t tell from the ground. Dents on gutters, vents or siding and shingle granules in your downspouts are good first clues. A free inspection with dated photos shows you what is on the roof.

Nothing. The inspection is free, and you get dated photos and a plain answer whether or not you hire us.

Our Blaine office serves the north metro, Roseville and south-central Minnesota, including Mankato, Faribault and St. Peter. See every city in our Minnesota service areas.

Yes. Innovative Building & Design holds Minnesota License #BC635372. Call (612) 808-6025 with any questions.