Strong winds are no stranger to Minnesota—and when they rip off shingles or cause leaks, dealing with the aftermath can feel overwhelming. The good news? Filing an insurance claim for roof wind damage doesn’t have to be stressful when you know what steps to take and have a trusted contractor like EMT Construction Services by your side.
Signs of Wind Damage on Your Roof
Before calling your insurance company, check for these common signs of wind damage:
✅ Missing, lifted, or curled shingles
✅ Shingle granules accumulating in gutters
✅ Dented or loose flashing around chimneys and vents
✅ Water stains on ceilings or walls
✅ Debris on the roof or in your yard (e.g., fallen branches)
Even subtle damage can lead to leaks and bigger problems later, so always get a professional inspection after severe winds.
Should You File an Insurance Claim for Roof Wind Damage?
If your roof damage is extensive or will cost more to repair than your deductible, filing an insurance claim is usually the best option. But every situation is different—here’s a quick rule of thumb:
- Minor damage: Repairs below or close to your deductible may not be worth a claim.
- Major damage: If large sections of shingles are missing or there’s interior water damage, you should file immediately.
How to File an Insurance Claim for Roof Wind Damage
1️⃣ Document the Damage
Take clear photos of your roof, gutters, yard, and any affected interiors. Keep notes about when the storm occurred.
2️⃣ Schedule a Professional Inspection
Contact EMT Construction Services for a free, detailed roof inspection. Our experts can spot hidden wind damage your insurance adjuster might miss.
3️⃣ Review Your Policy
Check your homeowner’s insurance for coverage details, deductibles, and timelines for filing a claim.
4️⃣ File the Claim Promptly
Report the damage to your insurance company as soon as possible—delays can impact approval.
5️⃣ Meet with the Adjuster
Your insurance company will send an adjuster to assess the damage. Having a professional roofing contractor on-site ensures nothing gets overlooked.
6️⃣ Get Repairs Approved & Completed
Once your claim is approved, EMT Construction can handle all repairs or full replacement, ensuring code compliance and high-quality workmanship.
Why Choose EMT Construction Services?
🏆 30+ years of Minnesota roofing experience
📍 Family-owned and locally operated
✔️ Licensed, insured, and certified experts
🌟 A+ BBB Accredited with 5-star Google reviews
💪 We work directly with insurance companies to simplify the process
Need Help with a Roof Insurance Claim for Wind Damage?
Don’t face the insurance claim process alone—EMT Construction Services is here to help every step of the way.
📞 Call us today at (763) 691-3911
🚀 Get an Instant Roof Quote
📡 Request Your Free Roof Inspection Online
FAQs – Insurance Claim for Roof Wind Damage
How long do I have to file a roof wind damage insurance claim?
Most policies require claims to be filed within 1 year of the storm, but sooner is always better—check your policy for specifics.
Will my insurance cover the full cost of roof repairs or replacement?
Most policies cover wind damage minus your deductible, but details vary—our team can help you understand your coverage.
Can EMT Construction work directly with my insurance company?
Yes! We coordinate with your insurer to ensure a smooth process and accurate claim.
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