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What to Expect From the Roofing Insurance Claim Process

Otsego MN Roofing Services

The Roofing Insurance Claim Process, Step by Step

A roofing insurance claim generally moves through filing the claim, an adjuster inspection, an initial scope of loss and payment, and then, if needed, a supplement process where missed damage or underpriced items are added back in before the work is completed and final payment released. The step most homeowners don't know to expect is that the first scope of loss is often incomplete.

  • Architectural Asphalt Shingles: The standard for most Otsego homes, offering strong wind resistance and a range of cold weather rated product lines built for Minnesota winters.

  • Standing Seam & Exposed Fastener Metal Roofing: Sheds snow efficiently and resists hail better than asphalt, with a lifespan that can run 40 to 70 years under proper installation.

  • TPO & EPDM Commercial Flat Roofing: TPO's heat-welded seams and reflective white surface perform well in summer heat loads. EPDM's proven flexibility handles the freeze-thaw stress that the Twin Cities sees 40 to 60 times per year.

  • Composite Shingle & Cedar Shake: For that classic, timeless feel, we offer both synthetic and natural shake shingles.

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What Your Neighbors Are Noticing

Filing the Claim and the Initial Adjuster Inspection

After storm damage, the homeowner files a claim with their insurance carrier, and an adjuster is sent out to inspect the roof and document damage. This inspection determines what the insurance company believes needs to be repaired or replaced and at what cost.

Why the First Scope of Loss Often Misses Things

Adjusters inspect many roofs in a short period after a widespread storm event, and it is common for items like ventilation upgrades, flashing replacement, or full slope damage to be underscoped or missed entirely on the first pass. This is not necessarily bad faith, it is simply the reality of high volume inspections after a major weather event.

How Supplementing a Claim Works

A contractor familiar with the claim process can review the adjuster's scope of loss against what the roof actually needs, and submit a supplement request with documentation when something has been missed or priced too low. Insurance companies do revise scopes when the supplement is well documented.

From Approval to Completed Work

Once the scope is finalized, the homeowner typically receives an initial payment reflecting depreciated value, work is scheduled and completed, and a final payment covering the remaining depreciation is released after the job is done and documented.

What This Means for You

Don't assume the first number your insurance company offers is the final number. A contractor who reviews the scope of loss on your behalf, rather than simply accepting whatever the adjuster wrote, is often the difference between a roof that gets fully replaced and one that gets a bare minimum repair.

How KraftMasters Approaches This

KraftMasters Restoration has spent nearly 30 years reviewing insurance scopes of loss in Minnesota, and pushes back on underscoped or missed items rather than accepting the first number and leaving the homeowner to make up the difference.

Masters Of Our Kraft

Restoration Done Right, Every Time

1. 18-Point Inspection & Documentation

We start with a thorough roof inspection that goes beyond the shingles. Hail damage shows up in the granule loss pattern, at the flashing points, along the soft metals like gutters and downspouts, and sometimes in the decking underneath. We photograph every area of damage and produce documentation specific enough to support a full insurance claim.

2. Insurance Claims Support

Once damage is confirmed, we help you file the claim and coordinate directly with your adjuster. Insurance adjusters frequently underestimate granule loss, overlook collateral damage, or write a scope that does not include everything covered by your policy. We review the initial scope of loss and submit supplemental documentation when items have been missed. We do not consider this done until the approved scope reflects the actual damage.

3. Material Selection

Kraft Masters is a certified installer for the top-of-the-line materials to put on your home. From GAF Timberline HDz shingles to secure your roof to LP SmartSide siding to enhance your curb appeal. We will walk you through the best options that fit your home, and your scope of damage.

4. Same-Day Installation

Once materials are approved and scheduled, our crew arrives with everything needed to complete the job in a single day. We inspect the decking before new material goes down, photograph each stage, and handle magnetic nail collection across the full property. No overnight weather exposure. No half-finished work waiting on a callback.

5. Final Walk-Through and Full Claim Close-Out

We walk the completed job with you before we leave. If depreciation has been withheld pending completion, we provide the documentation needed to release it. The job is finished when you have your roof and your full claim settlement, not just one of the two.

FAQs

Common Questions Your Neighbors Are Asking

Q: Do I have to accept my insurance company's first offer?

A: No. If damage was missed or underpriced in the initial scope of loss, a supplement can be submitted with documentation to request a revised, more accurate scope.

Q: How long does the insurance claim process usually take?

A: This varies by carrier and storm volume, but from filing to completed work often spans several weeks, longer if a supplement is needed.

Q: What is depreciation and why does it matter?

A: Depreciation is the difference between a roof's replacement cost and its actual cash value based on age. Most policies release the depreciated amount after the work is completed and documented.

Going The Extra Mile Since 1999

Impacted By Storm Damage?

You deserve a contractor who's willing to go the distance. The insurance claims process is a marathon, not a sprint. Call KraftMasters today to schedule your free inspection, or click below to get get started instantly!

Service Areas

Proudly Serving Our Otsego Community Since 1999

  • Otsego MN

  • Rogers MN

  • St. Michael MN

  • Elk River MN

  • Maple Grove MN

  • Monticello MN

  • Albertville MN

  • Plymouth MN

  • Hanover MN

  • + More

10603 95th St NE, Otsego, MN 55362, USA

MN License #BC646808

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