Most standard homeowner's insurance policies in Minnesota cover hail damage to roofs, though coverage depends on your specific policy, your deductible, and the age and condition of your roof at the time of the storm. A roofing contractor can document the damage thoroughly so you have an accurate record when you file. Your insurance company makes the coverage determination — not the contractor.

A licensed roofing contractor can inspect your roof and document storm damage, provide a detailed written estimate, and communicate with your insurance company about the scope of work. What a contractor cannot legally do is act as a public adjuster — meaning they cannot negotiate your claim on your behalf, interpret your policy, or guarantee a specific settlement outcome. Be cautious of any contractor who offers to "handle your claim" or waive your deductible, as both practices raise legal and ethical concerns under Minnesota law.

Your insurance company may send their own adjuster to assess the damage and determine a payout amount. You are not required to get multiple contractor estimates before filing, but having a professional inspection and written estimate from a licensed contractor gives you a documented baseline to compare against the adjuster's assessment. If there's a significant discrepancy, you have the right to discuss it with your insurer.