Know your rights
The rules that decide Minnesota hail claims, with the statute cited so you can check every statement yourself.
RCV vs. ACV: why your first check is smaller than your estimate
Replacement cost value, actual cash value, and why insurers hold back depreciation until the work is done.
Minn. Stat. § 72A.201, subd. 5(7)-(10)
The two-check system and recoverable depreciation
Why the insurer holds part of your money until the roof is actually replaced, and how to collect it.
Why 'we'll eat your deductible' is illegal in Minnesota
Minn. Stat. § 325E.66 makes it unlawful for a contractor to pay, waive, or rebate your insurance deductible.
Minn. Stat. § 325E.66
Your right to cancel the contract if the claim is denied
Minn. Stat. § 326B.811 gives you 72 hours to walk away from a storm repair contract after your insurer denies the claim.
Minn. Stat. § 326B.811
The appraisal clause: your dispute tool short of a lawsuit
When you and the insurer disagree on the amount of loss, either side can demand appraisal: a binding valuation process.
Minn. Stat. § 65A.01, subd. 3
The first 72 hours after a hailstorm
What you do in the three days after a storm shapes the entire claim. Here is the order of operations.
Minn. Stat. § 72A.201
How to spot a storm chaser
Within 48 hours of a metro hailstorm, out-of-state crews are knocking on Minnesota doors. Some are legitimate. Many are not.
Minn. Stat. § 326B.802 · Minn. Stat. § 325E.66
Percentage wind/hail deductibles: the surprise in your policy
Many Minnesota policies now carry a separate wind/hail deductible of 1–2% of your dwelling coverage: often thousands more than you expect.