Straight answers to the questions Minnesota homeowners ask us most, especially after a storm. If your question isn’t here, call (763) 333-7663. We answer 24/7.
How much does a new roof cost in the Twin Cities north metro?
Most full roof replacements on homes in Roseville, Fridley, New Brighton, North Oaks, Shoreview and the rest of the north metro run about $8,000 to $30,000. Where a home falls in that range depends on the roof’s size and pitch, how many old layers come off, and the material you choose. Ascension Roofing & Siding offers free inspections and an online instant quote, and financing is available through Service Finance.
Does homeowners insurance cover hail damage to a roof in Minnesota?
Hail is usually a covered peril under Minnesota homeowners policies, but what you are paid depends on your policy: your deductible (often a percentage for wind and hail), whether the roof is covered at replacement cost or actual cash value, and any roof-age limits. Check your policy or call your agent. A roofer can document the damage, but only your insurer decides what is covered.
How do I know if my roof was damaged by the June 2026 hail?
Look for dented gutters, downspouts, vents and window screens, and for shingle granules collecting at the bottom of downspouts. Those are signs your shingles may be bruised too, even if nothing is leaking yet. On June 19, 2026, the Minnesota DNR reported hail up to the size of half-dollars and golf balls in north-metro cities including Roseville, Fridley and Shoreview. A free inspection is the safest way to know, and it keeps you off the ladder.
How long do I have to file a roof insurance claim in Minnesota?
It depends on your policy. Many policies set a deadline for reporting storm damage, so check yours or call your agent. The sooner damage is documented, the easier it is to connect it to a specific storm date.
Can a roofer pay or waive my insurance deductible in Minnesota?
No. Minnesota law (Minn. Stat. 325E.66) prohibits residential contractors from advertising or promising to pay all or part of your insurance deductible. A roofer who offers to cover your deductible is a red flag.
Can I cancel a roofing contract if my insurance claim is denied?
Yes. Under Minnesota law (Minn. Stat. 326B.811), if you sign a roofing contract that depends on an insurance claim, you can cancel it within 72 hours after your insurer notifies you that the claim was denied. Any payments must be returned within ten business days of the contractor receiving your cancellation notice.
Can a roofing contractor negotiate my insurance claim?
Not in Minnesota unless they are licensed as a public adjuster. A roofing contractor can inspect and photograph the damage, write an itemized estimate and meet your adjuster at the property, but interpreting your policy or negotiating the claim is reserved for licensed public adjusters.
How do I check if a roofer is licensed in Minnesota?
Residential roofers in Minnesota must be licensed by the Department of Labor and Industry (DLI). Search the company name or license number on the DLI license lookup before you sign anything. Ascension Roofing & Siding’s Minnesota license number is BC753558. Here’s a step-by-step guide.
Do I need a permit to replace my roof in Minnesota?
In most Minnesota cities, yes. Roseville, for example, requires a building permit for residential re-roofs and proof of the ice and water barrier at final inspection. Your roofer should pull the permit and schedule the inspections. Read more about roofing permits in Minnesota.
Should I repair or replace my roof after hail?
It depends on how much of the roof is damaged and how old it is. Scattered damage on a younger roof can often be repaired, while widespread bruising on an older roof usually means replacement. A good roofer will tell you honestly which one you need, including when there is no damage worth claiming.
How can I tell a storm chaser from a local roofer?
Storm chasers often have no local office, out-of-state plates, a brand-new BBB profile, and pressure you to sign the same day or sign over your insurance claim before you have seen a written estimate. Established local roofers will give you time to compare quotes. What to do if a roofer knocks on your door.
Is Ascension Roofing & Siding an Owens Corning Preferred Contractor?
Yes. Ascension Roofing & Siding is an Owens Corning Preferred Contractor, which means qualifying roofs can be eligible for enhanced Owens Corning warranty coverage beyond a standard installation.
Want to know where your roof stands? Schedule a free inspection or get an instant quote.
This page is general information, not legal or insurance advice. Check your own policy and talk to your agent about coverage.
