Family-owned Storm Master Roofing helps Minnetonka homeowners after hail and wind. We inspect the roof, document what we see, and we can meet your insurance adjuster. We document. If we see damage that was missed, we advocate to have it included in the scope — at the start or as a supplement. We do not promise claim approval. Your deductible stays yours.
After a storm, you want a local crew that will tell you what is on the roof. Storm Master is a family-owned Minnetonka roofing company. We inspect, photograph, and write what we see. If you file a claim, we can meet the adjuster and walk the damage with them.
A roof insurance claim is a request to your homeowners carrier after sudden weather damage. It is not a promise that the carrier will pay, and it is not a promise of a new roof.
Inspection documentation from a Minnetonka roof. These photos show hail and elevation notes from a claim inspection — they are not a finished replacement.
Minnetonka inspection
Minnetonka inspection
Minnetonka inspection
When your insurance adjuster inspects your home, we can be right there with them to walk the roof. We point out the specific hail hits, lifted shingles, and documented damage to ensure nothing gets overlooked. That’s advocacy—making sure your damage is fully represented. That is our promise.
We strictly adhere to ethical and legal industry standards:
We advocate for your roof, but we do not promise claim approvals or carrier payouts. We are upfront and if there is no damage we do not waste your time or ours.
Your deductible is legally your responsibility, and we do not waive or absorb it.
If you hire us for work outside insurance coverage or for your portion of the project, we offer flexible financing to fit your budget with approved credit on qualifying roofing services, including deductibles.
Plain talk for homeowners — not legal advice. Your policy and your carrier decide coverage. We inspect, document, and can meet the adjuster. It is advised to review your policy coverages. A lot of times homeowners do not know what they are signing within the policy and you will want to make sure your deductible is within reason and things like ordinance of law coverage exists. Policies change from year to year. Please reach out to your insurance broker to review your policy.
Under Minnesota law, homeowners have the right to choose their own contractor. While state regulations prohibit contractors from acting as public adjusters or negotiating claims directly with your insurer, we work alongside you by providing detailed, line-item estimates that your insurance company can review.
Minnesota law says contractors can't waive your deductible (325E.66). We can't pay it, waive it, or rebate it. We won't. The deductible stays yours — no hiding it after the job.
Minnesota matching law (65A.28) says if a covered repair would leave a visible mismatch, the carrier has to consider matching. That isn't an automatic full-roof promise. We document what we see. The carrier writes the scope. Matching is their call under the policy, not a guarantee we make.
ACV pays the depreciated value. You may still owe depreciation plus your deductible. RCV usually pays recoverable depreciation after the work's done — you still owe the deductible. Your policy decides ACV or RCV. We don't.
Around here, a roof claim often takes a few weeks to a few months. Depends on the storm, the carrier, and when the adjuster can come. That's not a deadline we invent. Get it looked at soon after you find damage, then wait on your carrier for the scope. We can inspect and meet the adjuster. We don't control how fast the insurer moves.
Take dated photos of the roof and any interior leaks before anyone walks it.
Storm Master also works in nearby west-metro cities when homeowners need the same inspection-and-adjuster help. Those cities are Eden Prairie, Plymouth, Wayzata, Hopkins, and St. Louis Park. Each is a real place we serve from our Minnetonka home base.
Yes if you can. We can meet them and walk the roof with you.
The carrier writes the scope. Matching under Minnesota law (65A.28) can matter if a patch would look wrong. It's not an automatic full roof. We document. If damage was missed, we advocate to include it in the scope or a supplement.
Soon. Hail marks hide. We don't invent a deadline. Call 952-592-5554.
No. Minnesota law says contractors can't waive your deductible (325E.66). A contractor can't pay it, waive it, or rebate it. We won't. The deductible stays yours.
Most of the time you can't tell from the yard. Look for dents in soft metal (AC fins, vents), granules in the gutters, or cracked tabs after a known storm. We still need to get on the roof or fly it and take photos. We write what we see — we don't invent damage.
We walk the roof or fly a drone. We look for impact marks, lifted edges, damaged flashing and vents, then take photos. You get a written record of what we saw. Filing a claim is your call — not ours.
Bruises, fractured mats, granule hits, cracked tabs. Age wear looks different. Photos on this page are inspection docs, not a finished replacement.
If you've got sudden weather damage and a homeowners policy, a lot of people do. You open it with your carrier. We don't file as a public adjuster. No AOB. We inspect, document, and can meet the adjuster.
Ready to have the roof looked at? Call 952-592-5554 to schedule a roof inspection. We will document what we see and, if you want us there, meet your adjuster.