When a storm hits or a tree falls, the last thing homeowners want to think about is insurance paperwork. However, documenting roof damage correctly can make all the difference when it comes to filing a successful insurance claim. In Minnesota, certain rules and procedures can help ensure that you’re properly covered for any roof-related incidents. Here’s what you need to know.

Step 1: Understand Minnesota’s Insurance Requirements

In Minnesota, most homeowners’ insurance policies cover damage caused by storms, hail, wind, or falling objects such as trees. However, the coverage for the cost of repairs largely depends on the policy specifics. Minnesota law requires that claims for damage be filed within a reasonable amount of time after the incident occurs. Some policies may have a statute of limitations, so check your policy for specific time frames.

Step 2: Start by Documenting the Damage Immediately

After ensuring your home is safe, your first step is to take clear and comprehensive photos of the roof damage. Include wide shots of the roof and close-up photos of any visible issues like missing shingles, punctures, or debris. It’s also important to:

• Use timestamps on photos: Minnesota insurance adjusters often require proof of when the damage occurred. Most smartphones will automatically do this, but make sure the settings are enabled.
• Document from multiple angles: Take photos from ground level and, if safe, a ladder or drone.
• Capture the environment: Minnesota weather can be unpredictable, so be sure to document the conditions during and after the damage occurred (e.g., fallen trees, snow, hail).

Step 3: Write a Detailed Incident Report

Beyond photos, write down the events leading up to and following the incident. Include:

• The date and time of the event.
• Weather conditions before and after the damage (e.g., severe winds, heavy snowfall).
• Any actions you took to mitigate further damage (such as placing a tarp).

Step 4: Preserve Evidence for the Insurance Adjuster

Insurance companies in Minnesota may send an adjuster to evaluate the damage, so avoid making permanent repairs until after the inspection. However, it’s wise to take temporary measures, such as placing a tarp, to prevent further damage. Keep any receipts for temporary repairs, as these can sometimes be reimbursed.

Step 5: Be Aware of Minnesota’s “Right to Repair” Laws

Minnesota homeowners have the right to choose their own contractor for repairs. Your insurance company might suggest certain contractors, but you’re not obligated to use them. At Right Now Roofing, we frequently work with insurance companies to ensure repairs meet all necessary requirements.

Comparison Chart: Roof Damage Documentation Tips

FAQs

1. What type of roof damage is typically covered by insurance in Minnesota?
Most policies cover damage from storms, wind, hail, and falling debris. However, pre-existing damage or damage due to poor maintenance may not be covered.

2. How long do I have to file a claim in Minnesota?
While most policies don’t have a strict deadline, it’s advisable to file as soon as possible after the damage occurs to avoid complications.

3. Can I choose my own contractor for repairs?
Yes, under Minnesota’s “Right to Repair” laws, homeowners can choose their own contractor for roofing repairs.

4. Should I make temporary repairs before the adjuster arrives?
Yes, temporary repairs like placing a tarp can prevent further damage. Just be sure to document everything and keep receipts.

By following these tips, you can ensure a smoother insurance process and get your roof back to its best condition. If you need help with roof repairs or have questions about documenting damage, feel free to reach out to us at Right Now Roofing.

Sources:

Minnesota Insurance and Documentation Requirements: Homeowners in Minnesota typically need to document storm-related roof damage carefully to ensure successful insurance claims. Minnesota insurance policies generally cover damage from natural events like wind, hail, and falling trees. Homeowners should take photos with timestamps and provide detailed documentation. Always ensure any temporary repairs are documented and receipts kept for insurance reimbursement​(

A. Fricker Roofing and Waterproofing

Baker Donelson

FEMA Guidelines on Hazardous Trees: If the damage involves hazardous trees, such as large branches or fallen trees, FEMA guidelines may apply if the event was declared a disaster. FEMA typically covers the removal of hazardous trees larger than six inches in diameter if they pose an imminent threat​(

Essel Environmental

Justin Hansen

Justin Hansen is a seasoned professional in the roofing and siding industry, boasting over 15 years of hands-on experience. Starting his career in residential roofing, Justin quickly established a reputation for meticulous attention to detail and superior craftsmanship. His commitment to quality and excellence propelled him into more complex commercial projects, where he consistently delivered outstanding results.

There’s nothing quite as unsettling as a tree crashing onto your roof. Whether it’s from one of our many Minnesota wind, rain, hail or snow storms or an unexpected fall, it can leave you feeling overwhelmed and unsure of what to do next. Having helped homeowners through similar situations, I wanted to provide a clear guide on the steps you should take immediately after a tree falls on your roof. Here’s what you need to know:

Step 1: Ensure Safety First

Before anything else, ensure everyone inside your home is safe. If the tree has caused structural damage, there’s a risk of further collapse, so evacuate the house if necessary. Do not attempt to inspect the damage yourself right away, especially if power lines are involved or the tree is large enough to affect multiple areas of your home.

Step 2: Contact Emergency Services (If Necessary)

If the tree has brought down power lines, there is immediate structural danger, or someone is injured, call 911. Electrical hazards and structural instability can be deadly, so always prioritize safety.

Step 3: Document the Damage!

Before any repairs begin, document the damage by taking photos and videos of the tree, the roof, and any additional parts of the house that may have been affected. This documentation will be essential when dealing with your insurance company.

Step 4: Contact a Trusted Roofing Company FIRST, Then Your Insurance Company

In our opinion, this is where many people go wrong. First you should contact a trusted roofing company before contacting the insurance company. Why? Because the roofing company will become your educated buffer to make sure that you get everything covered financially that you need to remove the tree and to fix the damage. Then, contact the insurance company to report the incident. Be prepared to provide them with the documentation and knowledge youve gained & gathered from the roofing company and follow their process for filing a claim. They will likely send an adjuster to assess the damage.

Step 5: Prevent Further Damage

If it’s safe, you’ll want to take immediate steps to prevent further damage. This might include covering the damaged area of your roof with a tarp to avoid water damage, especially if rain is expected. Most roofing companies, including ours at Right Now Roofing, can assist with temporary repairs while you wait for the insurance adjuster.

Step 6: Hire a Professional Roofing Company

Once you’ve spoken with your insurance company, it’s time to hire a professional roofing company to assess and repair the damage. At Right Now Roofing, we’ve handled countless cases like this, and we’ll work with your insurance adjuster to make sure the repairs are covered and done right. Our goal is to restore your roof and your peace of mind as quickly as possible.

Comparison Chart: Tree Damage vs. Other Common Roof Emergencies

FAQs

1. Will my insurance cover tree damage to my roof?
Most homeowners’ insurance policies cover damage from fallen trees if the tree fell due to a covered peril (e.g., storm, wind). However, damage caused by lack of maintenance or negligence might not be covered.

2. How long will it take to repair my roof?
Repair times vary depending on the extent of the damage and the availability of materials, but typically it takes between 1 to 3 weeks for full roof restoration.

3. Do I need to remove the tree myself?
No, it’s essential to hire professionals to safely remove the tree. Trying to remove it yourself could cause more damage to your home or even personal injury.

4. Can you help with the insurance claim process?
Yes, at Right Now Roofing, we work closely with your insurance adjuster to make sure the claims process is smooth and that all necessary repairs are covered.

Maurice Campbell

Maurice Campbell brings over 20 years of extensive experience in the roofing and siding industry to his role as co-owner of Right Now Roofing. Maurice began his career in roofing installation, where his technical skills and problem-solving abilities set him apart. His career progressed into project management, where he successfully managed complex roofing and siding projects, ensuring they were completed on time and within budget.