I'm Joe. If the storm hit your property, let's talk before you call anyone else.
I've been doing this in Minnesota for over 20 years. I'll come walk your roof and entire property, tell you straight what I find. and if you need help figuring out the insurance and money side, I'll sit at your kitchen table and walk you through it. No pressure, no sales pitch at the door. That's not how I work.
CertainTeed ShingleMaster · Malarkey Emerald Pro · Atlas Pro+ Silver Select · LP SmartSide Preferred · James Hardie Contractor · BBB A+ · NRCA Member · MN License BC762305 · Lifetime workmanship warranty
Look, here's what I actually want you to know
Before I talk about roofs, let me tell you the part most contractors won’t.
If you haven’t had a hail claim in a few years, the game has changed on you. Quietly. And most homeowners I talk to have no idea.
Your deductible is probably bigger than it used to be. A lot of Minnesota policies jumped to $5,000 or higher at last renewal, and unless you sat down and read the renewal packet, you wouldn’t have caught it. I’ve had homeowners pull out their policy in front of me, look at the deductible line, and just go quiet. They had no idea.
And if your roof is over ten years old, your insurance doesn’t replace it anymore — it depreciates it. On a $22,000 roof, that depreciation can take $8,000 to $13,000 off the check before you even get to your deductible. The old rule of “insurance pays for it, you just cover the deductible” is gone for most people this season.
I’m telling you this upfront because I want you to hear it from someone who isn’t trying to sell you anything yet. This is the math homeowners need to do before they let anybody on their roof. If your contractor doesn’t walk you through this first, you should be asking why.
The part nobody wants to talk about: the money
So what do you actually do if the gap between your insurance check and your real roof cost is bigger than your savings account?
This is the conversation I end up having at most kitchen tables right now. It’s not a fun conversation, but it’s the real one, and I’d rather have it with you on day one than pretend it’s not coming.
We work with a company called Improvifi. They’re not a bank — they’re a marketplace that shops hundreds of lenders all at once with a single application. One form, soft credit pull (no hit to your score just to look), and you see real offers in minutes instead of waiting on your credit union to get back to you in a week and a half.
Most people I send through it find a monthly payment that fits. Not everybody — I’m not going to tell you it’s magic. But hundreds of lenders competing for your loan is a much better deal than one bank with one answer.
If financing isn’t right for you, I’ll say so. If it is, I’ll walk you through it. Either way, it’s your call, and we don’t push it.
Why I'm the guy you want on your roof
A quick thing about me, because you’re about to let someone walk around on your house.
I’ve been in construction for over 20 years. Not just roofing — I understand how the whole house works. How water actually moves through a wall assembly, why the flashing around your chimney matters more than the shingle, and why a lot of “roof problems” start as attic ventilation problems. When I’m up there, I’m not just looking for insurance-qualifying hail hits. I’m looking at how your roof is actually performing as part of the rest of the house.
That matters because a lot of the guys who show up after a storm aren’t from here and don’t know construction — they know sales. They’re trained to spot damage and close contracts. That’s a different job than mine.
My wife, Lindsey, is the majority owner of our company. We’re family-owned and women-owned. Our office is at 6927 Rosemary Road in Eden Prairie — a real address, not a P.O. box, not a truck and a trailer. We’ll be here next year when you need a warranty call, and the year after that.
And our workmanship warranty is lifetime. Not ten years. Not “limited.” Lifetime. I put that in writing because I stand behind the install, period.
What happens when you call
I want you to know what you're signing up for before you pick up the phone, because surprises are how trust gets broken.
You call or text me at (952) 206-6339.
I’ll usually pick up. If I don’t, my AI Assistant will. I’ll usually pick up. She can answer a lot of questions and gather information for me when I may be helping someone else.
I call back the same day — not two days later, after you’ve already given up and called someone else.
We pick a time that works for you, not me.
Most inspections happen within two to three business days.
I come out and walk the property.
I take photos on my phone of everything I find — good and bad. I’m not trying to build a case for damage that isn’t there. If you’ve got a solid roof, I’ll tell you that, and you’ll owe me nothing.
We sit down, and I show you what I saw.
Kitchen table, phone out, tablet out, real photos of your actual roof. Not a sales deck. Not a pitch. Just what’s there.
I tell you straight whether it's worth filing a claim.
Sometimes it is. Sometimes it isn’t — and filing a weak claim can hurt you at renewal, so this matters. If it’s not worth filing, I’ll say so, and we’ll shake hands.
If it is worth filing, I walk you through what happens next.
The insurance side, the money side, the financing side, if you need it, the timeline, the crew, everything. No rush, no pressure, no “sign tonight to lock in your price.” I’ve never understood that move.
What to check before I get there
While you’re waiting on me to come out, here’s what you can check from the ground. Don’t climb on the roof — it’s not worth it, especially after hail. Granules get slick and ladders get squirrelly.
Walk around your gutters.
Dents in aluminum gutters are one of the clearest hail signals. If the gutters are dented, the roof almost certainly took a hit too.
Look at your AC unit.
The metal fins on the back of the outdoor condenser are thin and dent easily. Bent fins are a dead giveaway.
Check your window screens and siding.
Small punctures or tears in screens, pock marks, or cracked panels on siding.
Look at wood decks and painted railings.
Small round impact marks on horizontal wood surfaces.
Talk to your neighbors.
If anyone on your street has already filed a claim, yours is worth looking at.
If you see any of that, call me. If you don’t, still call me — sometimes damage isn’t visible from the ground at all, and a quick look from the roof tells us for sure.
Soffit & Fascia
Honest answers to the questions people actually ask
Is the inspection really free, or am I going to get hit with something?
Really free. No charge, no obligation, no “just need your signature here before I come out.” I’d rather do ten free inspections that don’t turn into jobs than lose one homeowner’s trust by playing games on day one.
Should I file my insurance claim before you get here?
No. Let me look first. Filing a weak claim or one that gets denied can hurt you at renewal — insurers track that stuff. I’ll tell you whether there’s enough damage to justify opening a claim before you pick up the phone to your carrier.
My deductible is $5,000 and my roof is 14 years old. How bad is this actually going to be?
Probably harder than you want it to be, and I’m not going to soften it. On most policies with that profile, your out-of-pocket ends up in the $12,000–$15,000 range on an average home — the deductible plus the depreciation your insurer subtracts from the check. That’s the real math. The good news is there’s a path through it, and financing makes the monthly number livable for most folks. But we should talk about it before you commit to anything.
How do I know you’re not a storm chaser?
Fair question, and you should ask every contractor who knocks on your door this week. Our office is at 6927 Rosemary Rd in Eden Prairie. I’ve been working in Minnesota for 20+ years. My wife owns the company. My kid plays hockey at Shattuck-St. Mary's in the summer and Eden Prairie in the winter. We’re not going anywhere. Check the BBB (A+), the Minnesota contractor license (BC762305), CertainTeed’s ShingleMaster directory — we’re on all of it.
What if something goes wrong after you install it??
You call me. Lifetime workmanship warranty, in writing, no weasel words. I stand behind every install.
What if I just want a second opinion on a quote I already have?
Happy to do it. Bring the quote out when I come for the inspection, and I’ll walk through it with you line by line. I’ll tell you what looks fair, what looks off, and what questions to ask your other contractor. No charge for that either.
One more thing
If you’re reading this at 11pm after a long day, stressed about the storm and the insurance and whether you can even afford to deal with this, I get it. I’ve sat with a lot of homeowners who were in that exact spot.
You don’t have to figure it all out tonight. Save my number, get some sleep, and call me in the morning. I’ll answer.
— Joe
Modern Exterior Systems · Eden Prairie, MN
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Don't try to figure this out alone.
Free inspection. Straight answers. No pressure. That's the deal.