Possibly, but there is no universal answer.
Homeowners shouldn't be told:
"Your rates can't go up because it's hail."
That's too absolute.
Insurance pricing depends on the insurer, policy, claims history, property characteristics, geographic loss experience and other rating factors.

Not necessarily.
But homeowners should understand that insurance pricing and claim decisions are controlled by the insurance company and the policy—not the roofing contractor.
Proof Builders can help document the condition of your home, but it cannot guarantee how an insurance company will respond to a claim.
This is where the page connects directly to Proof Builders' process.
If you suspect storm damage, you first want to know:
What actually happened to my property?
Proof Builders can document:
Roof damage
Siding damage
Gutter damage
Window damage
Soffit
Fascia
Other visible exterior damage
That gives homeowners better information before deciding what to do next.
Homeowners should consider discussing the situation with their insurance professional and understanding their deductible and policy before filing.
A roofing inspection can also help identify whether there is actually visible storm damage worth discussing.
The important point:
Don't file a claim simply because a contractor tells you to.
Understand the condition of the property first.
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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