Roof Damage
Bruised, cracked, or missing shingles; granule loss; damaged flashing, vents, and ridge cap. The most common — and most missed — hail damage.
Storm Damage & Restoration
Storm Damage Roof Repair & Restoration in the Twin Cities
Hail and wind damage, handled end-to-end — free inspection, honest documentation, and an insurance-claim team that works for you, not the insurer.
GAF CertifiedOwens Corning CertifiedBBB A+4.9★ / 72 reviewsMN GC #BC760638Insurance-claim experts
Storm just hit? We respond fast.
Active leak or open roof — we tarp, board up, and dry-in across the Twin Cities to stop the damage while your claim gets started.
Minnesota gets some of the worst hail and wind in the country — the average MN hail claim is now around $30,000. By state law (MN Stat. § 65A.01) every homeowner’s policy must cover hail and wind damage. The hard part isn’t whether you’re covered — it’s getting the claim documented and paid correctly. That’s where we come in.
What We Inspect & Restore
Siding & Exterior
Cracked, chipped, or dented siding; holes in soft metals; damaged trim — restored with a color-match per Minnesota law.
Gutters, Soffit & Fascia
Dented gutters and downspouts and torn soffit/fascia that no longer drain or seal properly.
Windows, Screens & More
Broken glass, torn screens, damaged wraps, and dented A/C units and rooftop accessories.
Real Minnesota Storm Damage
Actual hail from Twin Cities storms — the kind of damage that’s easy to miss from the ground.
How the Insurance Claim Works
We guide you through the whole claim — and we meet your adjuster on the roof to make sure nothing gets missed. You stay in control of your claim and your money the entire time.
1
Free storm inspection
We document hail/wind damage with photos and the storm date — ideally within 72 hours, before you call the insurer.
2
File your claim
You file with your carrier (we help). Don’t sign an AOB or contract before the adjuster sees the damage.
3
Adjuster meeting
We meet your insurance adjuster on the roof and walk every elevation so legitimate damage is counted.
4
Scope & approval
The carrier issues the approved scope and an initial ACV payment, minus your deductible.
5
Materials & color match
You pick colors; Minnesota law requires a reasonable color match (full-section replacement if none exists).
6
Restoration
We restore the roof, siding, and gutters to code — and can upgrade you to Class 4 impact-resistant shingles.
7
Supplements
Hidden or code-required items found during tear-off are submitted to the carrier for additional approval.
8
Final docs & depreciation
Completion photos and invoice release your recoverable depreciation — the rest of your RCV payout.
Coverage
MN law (§ 65A.01) requires every policy to cover hail and wind. You generally have one year from the storm to file a hail claim.
Your Deductible
MN wind/hail deductibles are usually 1–5% of dwelling coverage. By law (§ 325E.66) a contractor cannot waive your deductible — anyone who offers to is breaking the law.
ACV vs. RCV
RCV policies pay full replacement; they release the withheld recoverable depreciation after the work is done. Roofs 15–20+ yrs may be ACV only.
Color-Match Rights
Under the Cedar Bluff ruling, insurers must reasonably match replacement materials — you may be owed full-section replacement, not a mismatched patch.
Your Claim Advocate
The Gavnat Advantage
The insurance company sends its own adjuster — and that adjuster works for the insurer. Through our partnership with Gavnat, a licensed public adjusting firm, you get a professional on your side of the table whose only job is to document the full loss and pursue everything your policy owes you.
+51%
average increase in claim settlements when Gavnat represents the policyholder*
A public adjuster is state-licensed to represent you, the policyholder — not the insurance company. Gavnat reviews your policy, inspects the full scope of storm damage, prepares the estimate, and negotiates directly with your carrier so nothing legitimate is left off the claim.
Paired with our crews it’s a complete loop: Gavnat maximizes the claim, Three Rivers does the restoration to code. On covered work you typically pay only your deductible — which, by Minnesota law, we can never waive or absorb.
Works for you, not the insurer
Licensed to represent the policyholder — their incentive is your settlement, not the carrier’s bottom line.
Bigger, fairer settlements
Full-scope documentation and policy expertise surface code items and hidden damage adjusters often miss.
Less stress, start to finish
Gavnat handles the paperwork, the adjuster meeting and the negotiation while we handle the repairs.
*Average claim increase reported by Gavnat. Results vary by policy and loss. Three Rivers Contracting and Gavnat are separate companies that partner to serve Minnesota homeowners.
On Your Side
An Honest Claim Partner — Not a Storm Chaser
We’re a local, licensed Minnesota contractor (#BC760638) — not an out-of-state storm chaser. We document thoroughly, meet your adjuster, and partner with licensed public adjusters (Gavnat) when a claim needs an advocate. We never ask you to commit before your claim is approved, and we never “eat the deductible” (it’s illegal).
And because roofing, siding, gutters, electrical (3 Rivers Electric), and solar (iSolar) are all in-house, your entire storm restoration runs on one schedule.
Safety in Older Homes
Asbestos & Lead — Handled the Right Way
Storm repairs on older Twin Cities homes can disturb asbestos or lead paint (pre-1978). As an EPA Lead-Safe Certified Firm we follow full RRP practices, and we test or presume-and-abate asbestos with licensed crews and MPCA notification before disturbance.
Restored Right the First Time
Upgrade While You Restore
A storm claim is the perfect time to step up to Class 4 impact-resistant shingles — tougher against the next storm and often an insurance discount.
GAF Certified
Manufacturer-certified installation unlocks the strongest warranties — your restored roof is built to last decades.
Warranties in Writing
Manufacturer material warranties plus our own written workmanship warranty.
Support Before, During & After
One local team that answers the phone through the claim and stands behind the work for years.
Storm Response & Restoration
From Emergency Tarp to a Brand-New Roof
When a Minnesota storm hits, we move fast to protect your home, document every bit of damage for your claim, and rebuild it right.
Storm & Insurance FAQ
Is hail and wind damage actually covered?
Yes — Minnesota law requires every homeowner’s policy to cover hail and wind. The key is documenting it correctly and on time (generally within one year of the storm for hail).
Will you waive or “eat” my deductible?
No — and you should walk away from anyone who offers to. Waiving a deductible on an insurance job is illegal in Minnesota (§ 325E.66). We help you get a fair, full claim instead.
What’s a wind/hail deductible?
Most MN policies use a separate wind/hail deductible of 1–5% of your dwelling coverage — so on a $400k home a 2% deductible is $8,000. We’ll help you understand your policy.
What is recoverable depreciation?
On an RCV policy the insurer first pays Actual Cash Value (minus deductible), then releases the withheld depreciation once the work is completed and documented — so you receive the full replacement cost.
Do I have to use the contractor my insurer suggests?
No. You choose your contractor. We work directly with your carrier and adjuster on your behalf.
My roof is old — can I still claim?
Possibly, though roofs past ~15–20 years may be settled at ACV. We’ll inspect honestly and tell you what to expect before you file.
Free storm damage inspection
We’ll document the damage, tell you honestly whether you have a claim, and handle it start to finish.