Insurance Claims for Siding & Roofing in Minnesota
Insurance Claim Support
Storm damage can feel overwhelming, but you don’t have to handle it alone. At Premiere Exteriors, we specialize in insurance claims for siding and roofing in Minnesota, helping homeowners navigate the process from inspection to installation. Our team works directly with your insurance company to ensure fair coverage and delivers expert repairs that restore both protection and peace of mind.
Our Insurance Claims Process
- Inspection & Documentation – Free inspection, photos of damage, written report.
- Filing the Claim – Help the homeowner contact their insurance company.
- Adjuster Meeting – Be on-site to advocate for the homeowner.
- Approval & Estimate – Work with insurance to finalize scope.
- Restoration Work – Install new siding, roofing, or windows.
- Final Walkthrough – Make sure claim funds are used properly and homeowner is satisfied.
Why Work with a Contractor for Insurance Claims
- Prevents homeowners from missing details adjusters overlook.
- Ensures fair coverage.
- Saves stress — Premiere handles communication.
- Local expertise → we know Minnesota weather patterns and how they impact claims.
Serving Minnesota Homeowners
Premiere Exteriors is a family-owned roofing contractor serving the South Metro. We’re proud to offer flexible Minnesota roofing financing options for homeowners in Burnsville, Lakeville, Eagan, and surrounding communities.
Insurance FAQ's
Does homeowner’s insurance cover full siding replacement or just repairs?
It depends on the extent of the damage and your policy. In many cases, insurance companies will pay to repair or replace only the damaged sections. However, if the damage is widespread or if matching replacement siding isn’t available, insurers may cover the cost of full siding replacement. Our team documents all damage and works directly with your adjuster to make sure your home is restored properly.
What’s my deductible and how does it affect my claim?
Your deductible is the portion of the repair cost you’re responsible for before insurance coverage kicks in. For example, if you have a $1,000 deductible and $12,000 in covered damage, the insurance company pays $11,000 and you pay $1,000. We’ll help you understand your deductible so there are no surprises during the claims process.
What if the insurance company denies part of my claim?
Claims can sometimes be underpaid or partially denied if the adjuster misses damage or deems it cosmetic. If this happens, you have the right to request a re-inspection or provide additional documentation. Premiere Exteriors advocates on your behalf, ensuring all legitimate storm damage is properly reported and considered for coverage.
Can I upgrade my siding during an insurance claim?
Yes. Your insurance policy will typically cover the cost of replacing your current siding with a similar product. If you’d like to upgrade to premium materials such as James Hardie fiber cement or LP SmartSide, you only pay the difference between what insurance covers and the upgraded product. Many homeowners use this opportunity to enhance both performance and curb appeal.
Do I need to be home when the insurance adjuster comes?
We recommend it. Having both you and your contractor on-site helps ensure all storm damage is pointed out to the adjuster. Our team attends adjuster meetings with you to make sure nothing is overlooked and that the scope of work is fair and accurate.
How long does the insurance claim process take?
Most claims are processed within a few weeks, though timelines can vary depending on the insurance company and the severity of the storm season. Premiere Exteriors streamlines the process by providing fast inspections, complete documentation, and timely communication with your insurer.
Will filing a claim make my premiums go up?
Not always. Weather-related claims, like hail or wind damage, are considered “no-fault” claims in most cases, since they aren’t caused by homeowner negligence. Your insurance company may adjust rates based on overall storm activity in your area, but an individual claim usually doesn’t automatically increase your premiums.