Minnesota Ice Dams: What They Are and Why Your Roof Suffers

You’ve been sitting at your dining room table for over an hour scrambling to figure out how to file your insurance claim after a Minnesota storm , and the deadline is quickly approaching. We get it, filing insurance claims can be stressful on a time crunch! Historically, state law required homeowners to file property damage insurance claims in Minnesota within 12 months of the date of loss. However, insurers often provided flexibility by allowing up to 24 months for Minnesota storm damage claims to be filed and repairs completed, extending beyond the original guideline. Yet recently things have changed. 😬 Did you know that insurance claims have now started enforcing stricter claim deadlines , going back to the original 12-month timeframe? Crazy, right?! 😮 We want you to be aware that for a Minnesota homeowner processing an insurance claim—from initial inspection to the final completion of storm damage repairs in Minnesota—can be a lengthy process. This timeline often includes inspections, estimates, approvals, repair scheduling, and overcoming seasonal limitations. Indeed, Minnesota’s harsh winters significantly limit the period when exterior repairs can be performed, usually from late fall through early spring. Therefore, we’re here to help make your insurance claim process go smoothly from start to finish! 

Twin City Roofing is a proud member of the Contractors Association of Minnesota (CAM). Learn how CAM supports contractors through education, advocacy, and industry standards to better serve Minnesota homeowners.

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I have been in this industry for about a year and a half now, and one thing is for certain: class 4 impact-resistant shingles are the new norm. If you are unfamiliar with the term “class 4”, I don’t blame you. Roofing is boring, it’s an afterthought for homeowners. It only comes to mind when you start seeing your street filling up with yard signs or a brown spot on the ceiling in your living room from a leak. Since you’re reading this, you’re more than likely shopping around for a new roof. Calling contractors, scheduling those free inspections, and ultimately receiving estimates. Your eyes stumble across an upgrade option to a “Class 4 Impact-Resistant Shingle”. The thought crosses your mind: “What does this mean?” Impact resistant shingles are marketed to homeowners to be the most durable shingle on the market. They’re designed to withstand the harshest weather mother nature can provide. Hail and wind are enemy #1 for your roof. In Minnesota, we are no stranger to these events. According to the National Centers for Environmental Information, Minnesota has had 36 severe storms that have caused over a billion dollars’ worth of damage.

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