Home Renovation And Storm Restoration Servicing Minnesota and Western Wisconsin

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Insurance A-Z

Everything you need to know about the insurance claim process for storm restoration.

Step 1: Free Inspection

Shelter Construction will perform a free, no obligation, no pressure exterior storm damage inspection on your roof.

Step 2: Filing a claim

If hail or wind damage is found, Shelter assists the homeowner in filing a claim with their insurance company.

Step 3: Adjustment

An insurance adjuster will perform an inspection and assess damage while a Shelter representative is present with an inspection report and photos.

Step 4: Claim Paperwork

If the insurance adjuster agrees with the damage found by Shelter, a loss statement/claim paperwork is processed by the adjuster and sent to the homeowner along with an initial check.

Step 5: Pre-Restoration Meeting

A Shelter representative meets with the homeowner to explain claim paperwork, discuss what work is to be done, and choose colors and styles. The down payment is collected at this time.

Step 6: Restoration

Shelter restores the home to the homeowner's complete satisfaction

Step 7: Final Inspection

A city inspector signs off on the restoration. Shelter sends proof of completion along with a final invoice to the insurance company and the insurance company issues a final payment to the homeowner.

Step 8: Final Payment

Homeowner issues final payment to Shelter Construction. Note: We do the work for insurance proceeds plus homeowner's deductible.

Need Insurance Help? That's What We're Here For.


We were very pleased with how easy it was to work with Shelter Construction for replacement of our roof after hail damage, and with the quality of work done. Shelter staff worked well with our insurance company and did a great job of clean up when the job was complete. I would work with them again and recommend them to friends and family.