Insurance Claim Specialists
Insurance Work & Storm Damage Repair in Minneapolis-St. Paul | Garrett Construction
Hail damage, wind damage, water intrusion, or storm destruction — Garrett Construction works directly with your insurance company to restore your home fast. We handle documentation, adjuster meetings, and all repairs from start to finish throughout the Twin Cities.
⭐ 4.9/5 on Google (127 Reviews) | ✓ Licensed & Insured (#BC785223) | 📞 Emergency Response Available
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How Our Insurance Claim Process Works
Navigating an insurance claim after storm damage is stressful. Garrett Construction simplifies the entire process — from the first inspection to the final repair. We have worked with every major insurance carrier in Minnesota and know how to document damage properly to ensure you receive the full coverage you are entitled to.
Claim Documentation
We photograph and document all damage with detailed reports to support your insurance claim and maximize your approved coverage amount.
Adjuster Meeting
We meet your insurance adjuster on-site to walk through all damage and ensure nothing is missed or underpaid in the claim estimate.
Full Restoration
Once approved, we complete all repairs to pre-loss condition — on time, on budget, and fully documented for your records.
Hail Damage Roof Repair & Replacement
Hail damage to shingles, flashing, ridge caps, and vents. Full roof inspection, insurance documentation, and complete roof replacement using impact-resistant shingles from GAF, CertainTeed, and Owens Corning.
Hail & Wind Damaged Siding
Hail-dented and wind-damaged siding replacement. Vinyl, fiber cement, LP SmartSide, and steel siding. Full and partial replacements with proper color and profile matching for invisible repairs.
Wind Damage & Structural Repair
Fallen trees, wind-lifted roofing, damaged fascia, soffits, and structural framing. Emergency tarping and board-up available. Full structural assessment and repair to pre-storm condition.
Window & Door Storm Damage
Broken, cracked, and storm-damaged window and door replacement. We work with Andersen, Marvin, and Pella to match existing styles and ensure proper insurance documentation for all replacements.
Gutter & Fascia Replacement
Hail-damaged and wind-destroyed gutters, downspouts, fascia, and soffit replacement. Seamless aluminum and steel gutters installed to properly drain Minnesota's heavy rainfall and snowmelt.
Why Choose Garrett Construction for Insurance Work?
Storm chasers flood the Twin Cities after every major weather event. These out-of-state crews take deposits, do shoddy work, and disappear. Garrett Construction is a licensed, locally established general contractor with 25+ years in the Twin Cities — we will be here long after your claim is closed.
We Work With Your Insurance — Not Against You
We know how adjusters evaluate claims and how to document damage so nothing is missed. Our goal is to make sure you receive every dollar you are entitled to under your policy.
Licensed General Contractor — Not a Storm Chaser
Fully licensed MN general contractor #BC785223 with BBB A+ rating and 127+ Google reviews. Established locally for 25+ years. We are not going anywhere after your check clears.
⚠ Signs Your Home Has Hail or Storm Damage
Many homeowners don't realize their home has insurance-claimable storm damage until it's too late to file. Look for these warning signs after any significant storm. Most Minnesota policies have a 1-year window to file — don't wait.
A reliable indicator of hail size and impact — often the easiest damage to spot.
Hail impact damages the protective granule coating on shingles — shortening roof life.
Hail leaves distinctive circular dents on vinyl — often covered by insurance.
Storm debris and hail impact damage to window screens and frames is claimable.
Storm-driven water infiltration through roof or siding damage — act fast to prevent mold.
High wind damage to the roof system — exposing decking to water infiltration.
Frequently Asked Questions About Insurance Work & Storm Damage
Will my insurance cover storm damage repairs in Minnesota?
Most standard homeowner insurance policies in Minnesota cover sudden and accidental storm damage including hail, wind, and water intrusion. Coverage depends on your specific policy, deductible, and type of damage. We help you understand your coverage and document all damage properly during our free inspection.
How do I start an insurance claim for storm damage?
Start by calling Garrett Construction for a free damage inspection before contacting your insurance company. We document all damage thoroughly first so you have a complete picture before your adjuster visit. Then file your claim — we attend the adjuster meeting with you to ensure all damage is properly recorded.
How long do I have to file a storm damage claim in Minnesota?
Most Minnesota homeowner insurance policies require storm damage claims to be filed within one year of the damage date. Some policies allow two years. Do not delay — storm damage worsens over time and late claims are frequently denied. Contact us immediately after any significant storm for a free inspection.
What is the difference between RCV and ACV insurance coverage?
RCV (Replacement Cost Value) coverage pays to replace damaged materials at today's prices — the best option. ACV (Actual Cash Value) pays RCV minus depreciation, meaning older roofs or siding receive less payout. We help you understand which coverage you have and how it affects your repair costs.
Do you offer emergency storm damage tarping and board-up?
Yes. If your home has sustained damage exposing the interior to weather — a damaged roof, broken windows, or structural breach — we offer emergency tarping and board-up to prevent further damage while your claim is processed. Call us any time for emergency response.
What areas of the Twin Cities do you serve?
We serve Minneapolis-St. Paul and the full metro including Edina, Minnetonka, Bloomington, Eden Prairie, Plymouth, Maple Grove, Eagan, Burnsville, Woodbury, and 50+ surrounding communities.
Storm Damage? We Are Ready to Help.
Get a free storm damage inspection from Minneapolis-St. Paul's most trusted insurance restoration contractor. Serving Edina, Minnetonka, Bloomington, Eden Prairie, Plymouth, Maple Grove, Eagan, Burnsville, and 50+ Twin Cities communities.
Get Your Free Storm Damage Inspection📞 (952) 956-4077 | Mon-Fri 9AM-7PM, Sat 9AM-5PM | Emergency Response Available