At Stinson Services, we’re committed to keeping our community informed. Lately, we’ve noticed some important trends in how insurance companies are approaching roof-related claims here in Minnesota. Our team is always here to help with inspections and support when you need it.
1. Limited Coverage for Older Roofs
Insurance companies are placing more restrictions on homes with older roofs. If your roof is over 10 to 15 years old, there’s a growing chance your policy may not be renewed, or you may see higher premiums based on its age alone.
What this means for you: Scheduling a roof inspection can give you a clear picture of your roof’s condition and help you take the right next steps.
2. Higer Deductibles for Storm Damage
With frequent hail and windstorms across Minnesota, many insurance companies have raised deductibles for storm-related claims. This means homeowners may need to pay more out of pocket before insurance coverage begins.
What this means for you: Storm repairs can be costly. Understanding the condition of your roof through an inspection can help you plan ahead and avoid unexpected expenses after severe weather.
3. Less Coverage for Cosmetic Damage
There is a growing trend of insurers excluding coverage for cosmetic damage, such as small hail dents. These repairs may now be excluded from some policies, leaving homeowners responsible for the cost.
What this means for you: Even minor damage can lead to bigger issues over time. Scheduling a roof inspection can help identify and address concerns early, especially as material and repair costs continue to rise.
Built to Last with Stinson Services
For more than 20 years, Stinson Services has proudly served Minnesota homeowners with trusted roofing expertise. Our detailed roof inspections are designed to give you peace of mind and help you make confident, informed decisions about your home. If you have questions about your insurance coverage, we recommend contacting your insurance agent directly.
Thank you to Stinson Services, Member Sponsor of the Chamber
