It depends on your policy and what caused the damage.
A roof replacement isn't automatically covered simply because the roof is old or needs replacement.
Insurance coverage is generally tied to whether the damage resulted from a covered cause of loss, such as certain hail or wind events, and the exact terms of the homeowner's policy control.
That's why Proof Builders' role is not to promise that insurance will pay for a roof.
Our role is to inspect, document and explain what we find.

But hail damage doesn't always mean obvious holes or missing shingles.
Proof Builders' Plymouth approach looks beyond the roof surface and considers the broader exterior, including:
Roof shingles
Flashing
Gutters
Downspouts
Siding
Windows
Soffit
Fascia
This matters because storm damage can occur across several exterior components during the same event.
The current Proof Builders website emphasizes detailed documentation during storm-related projects.
The objective isn't to tell an insurance company what it should pay.
It's to make sure the actual condition of the property is documented clearly.
That can include:
Photographs
Location-specific damage documentation
Roof observations
Exterior component observations
Window documentation
Siding documentation
Gutter damage
Supporting project information
Proof Builders' window process, for example, documents window condition by elevation and unit and compares its documentation against the adjuster's scope when applicable.
Your deductible is the portion of a covered loss you are responsible for under your policy.
For example, if an approved claim is $20,000 and your applicable deductible is $2,000, the insurance payment calculation generally begins after the deductible, subject to the policy and claim terms.
Never choose a contractor based on promises that your deductible will somehow disappear.
No.
The age and condition of the roof can affect how an insurer evaluates a claim, and policies can differ regarding replacement-cost or actual-cash-value treatment.
That's why homeowners should review their policy and discuss coverage directly with their insurance carrier.
Give us a call, fill out a contact form to request an inspection or get an instant quote for your roof today! Once we understand more about your project, one of our expert team members will come out to inspect your home!
Your dedicated exterior expert will walk your property with you, inspect your roof, and document all findings. They will then sit down with you and walk you through the next steps specific to your situation, as well as timelines, ensuring you're left without any questions unanswered!
Your assigned project manager will be on-site to manage your build from start to finish. Our in-house crews are fully-trained and certified by industry leading manufacturers so you can rest easy knowing your home is in good hands!
Following your installation, we will run a triple magnetic sweep to ensure the only thing left behind is a beautiful new home! After your final walk-through you will be granted access to our quality assurance department, because we don't believe the job ends here. If there's anything we can help with in the future, you automatically jump to the front of the line!
Yes. The City of Plymouth Building Inspection Division requires a residential building permit for all full roof tear-offs and replacements. As a licensed Minnesota contractor (MN License #BC646808), Proof Builders handles the entire permitting process for you. We submit the application directly through Plymouth's online permit portal, coordinate the required inspections, and ensure all work strictly complies with the Minnesota State Building Code.
For the majority of Plymouth homes, GAF architectural asphalt shingles represent the best combination of cost, performance, and warranty coverage for this specific climate. They are engineered to handle the thermal expansion and contraction that comes with temperatures swinging 100 degrees across a Minnesota year, and they carry manufacturer warranties of 30 to 50 years depending on the product tier. For homes in exposed locations or those that have sustained multiple hail events, Class 4 impact-resistant shingles from manufacturers including GAF, Owens Corning, and CertainTeed provide meaningful performance upgrades and often qualify for insurance premium discounts from major carriers. Metal roofing offers the longest lifespan of any residential option, typically 40 to 70 years, with superior resistance to both hail and wind uplift, at a higher initial cost.
Plymouth homes—especially those built during the housing booms between the 1970s and 1990s—are highly susceptible to ice dams caused by attic heat loss. We address the root cause, not just the symptoms. Every roof we build features a specialized three-layer protection system:
- We install an advanced ice-and-water shield membrane that extends at least 24 inches past your home's interior wall line per local code.
- We audit and correct attic ventilation using a balanced ridge-and-soffit system to maintain uniform roof temperatures.
- We never recommend temporary fixes like heat cables, which can degrade shingles prematurely.
In Minnesota, standard homeowners insurance policies typically give you one year from the exact date of the storm event to file a property damage claim. Because hail impacts crack the protective granule layer and expose the underlying asphalt mat to accelerated UV damage, it’s critical to act quickly. Our team is local to Hennepin County; we will perform a comprehensive physical inspection, document all circular shingle impacts and dented soft metals, and assist you through the insurance adjuster meeting.
Roof replacement cost in Plymouth depends on four variables: the square footage of the roof, the pitch and complexity of the roof geometry, the shingle product selected, and whether there are underlying issues like decking damage or inadequate ventilation that need to be addressed before new material goes down. A standard ranch or two-story colonial in Plymouth with an asphalt architectural shingle system typically falls between $12,000 and $16,000 for materials and installation. Roofs with steep pitches, multiple facets, skylights, or chimneys run toward the higher end of that range and sometimes above it. Class 4 impact-resistant shingles add a premium of roughly $800 to $1,500 over a standard architectural shingle system, which could often be offset by the insurance premium discount they qualify for.
MN License #BC646808
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