Roofing expertise from Sellers Roofing — Saint Paul, MN’s union-built, GAF-certified contractor. Browse our blog for hands-on advice from real Twin Cities roofers.
Yes. An insurer can require an engineer inspection during an insurance claim if they question the cause, extent, or repairability of the loss. When an adjuster is unsure about the origin of the damage, they will often order a professional roof hail damage inspection to determine if the issues were caused by a recent weather…
Usually, yes, but only if the roof claim check is payable to your business alone and no lender controls the funds. In Minnesota, cashing the check is often allowed. Skipping repairs can cost you recoverable depreciation, create lender trouble, and weaken later claims if the same roof keeps leaking. When This Applies If you own…
Usually, no. In Minnesota, an insurer can ask for extra roof bids on a claim, but there is no standard state rule that forces a commercial owner to collect a set number. The real issues are your policy terms, the claim facts, and whether the carrier is checking scope instead of trying to buy the…
No. In Minnesota, an insurer can recommend a roofer, but it usually cannot force you to hire that company. You can normally choose your own licensed contractor. The bigger issue is whether the roof damage is covered and whether the estimate matches the real scope of the work. A preferred roofer insurance setup can sound…
A temporary tarp usually helps, not hurts, your insurance claim after a covered roof loss. It shows you took reasonable steps to stop more water damage, which Minnesota insurers often expect. The risk comes when the tarp hides evidence, delays reporting, or turns into a permanent fix before the adjuster sees the roof. For a…
In most Minnesota condos, the association pays for hail damage to the roof because the roof is usually a common element covered by the master policy. If hail also damages drywall, flooring, or contents inside your unit, your own condo policy may cover that part. The master deed, declaration, and bylaws decide the final split….
Usually, yes, especially on a commercial roof. A roofer helps the adjuster spot hidden damage, separate old wear from the new loss, and document the scope if the roof may need commercial flat roof repair or even commercial roof replacement. If the claim is simple and the roofer can’t attend, the inspection can still move…
Yes, sometimes. Some Minnesota insurers offer a premium credit for impact-resistant shingles, but the discount depends on the carrier, the policy form, and the proof you can provide. The roof also has to qualify. That usually means a steep-slope shingle roof, not a flat commercial system. If your commercial roof needs repair, the savings question…
Yes, sometimes, but only when the ventilation work is tied to covered hail damage or required by building codes. Whether you are dealing with a commercial property or standard home insurance coverage, the primary goal of the insurer is to restore the building to its pre-loss condition. An insurance company typically evaluates claims based on…
Navigating Minnesota matching law roof repairs can be complex, as the state does not have a blanket rule that forces an insurer to replace an entire roof every time a repaired section fails to perfectly match the original. Whether you are filing storm damage claims or addressing general wear, the outcome often depends on the…
Usually, yes, under your homeowners insurance, but only when the roof replacement follows a covered peril such as hail damage and the policy treats panel removal, storage, and reset as part of the claim. Solar panels permanently attached to the roof fall under dwelling coverage. If the roof is being replaced because of age, wear,…
Yes, you can file a roof insurance claim for a second roof claim in Minnesota if the later storm caused fresh storm damage. The claim has to tie to that second event, not to old wear, an unfinished repair, or a leak already in the first file. For commercial buildings in the Twin Cities, that…
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Sellers Roofing Company is your premier Saint Paul destination for expert commercial and residential roofing services, offering comprehensive solutions from storm damage restoration and repairs to new asphalt shingle installations, all with meticulous craftsmanship and an eye for enhancing your property’s safety and aesthetic.