Spring storm season in Minnesota can move fast. One week the snow is melting, and the next week homeowners are dealing with hail, high winds, damaged shingles, dented gutters, loose siding, and questions about insurance coverage. If you own a home, business, multifamily property, or HOA-managed building in Ham Lake, Blaine, Andover, Maple Grove, Lakeville, Prior Lake, Shakopee, Eagan, Owatonna, Faribault, or Western Wisconsin, now is the time to review your insurance policy before you need to use it. Archway Contracting cares about your home like it is our own. If we were reviewing our own policy before storm season, these are the questions we would ask our insurance agent. The goal is simple: understand your coverage now, so you are not surprised after a hailstorm. Why Spring Storm Prep Matters in Minnesota Minnesota homes take a beating from weather. Spring and summer storms can bring hail, straight-line winds, heavy rain, and flying debris. Even when damage is not obvious from the ground, your roof, siding, gutters, windows, and other exterior components may still be affected. Many homeowners wait until they see a leak or missing shingles before taking action. The problem is that hail and wind damage can be subtle at first. By the time water shows up inside, the damage may be more expensive and harder to connect back to the original storm. That is why storm preparation should include two things: Reviewing your homeowners insurance policy Knowing who to call for a professional inspection after severe weather Why Minnesota Hail Claims Are So Expensive Hail claims are one of the biggest reasons homeowners insurance costs have increased in Minnesota. According to information provided for this blog, the average hail claim in Minnesota has nearly doubled over the past decade and now runs close to $30,000. The same source notes that major storms in 2022 and 2023 contributed billions of dollars in insured property losses across the state. That matters because insurance companies adjust rates, deductibles, and coverage based on risk. For homeowners, that can show up as: Higher premiums Higher wind and hail deductibles More detailed roof coverage rules Replacement Cost Value changes Actual Cash Value coverage on older roofs More scrutiny during the claims process In simple terms, hail damage is expensive because it often affects more than one part of the home. A single storm can damage roofing, siding, windows, gutters, fascia, soffit, decks, screens, and exterior trim. For commercial, multifamily, and HOA properties, the cost can be even higher because one storm may affect multiple buildings or units at once. The Deductible Most Homeowners Don’t Know They Have One of the biggest surprises homeowners face after a storm is learning they have a separate wind and hail deductible. People assume their deductible is a flat amount, such as $1,000 or $2,500. But some policies now include a percentage-based deductible for wind and hail damage. What Is a Percentage-Based Wind and Hail Deductible? A percentage-based deductible is usually based on your home’s insured value. For example: A 1% deductible on a $400,000 home = $4,000 A 2% deductible on a $400,000 home = $8,000 A 2% deductible on a $500,000 home = $10,000 That means you may be responsible for thousands of dollars before insurance pays anything toward the claim. This is why it is so important to ask your insurance agent about your deductible before storm season begins. Questions to Ask Your Insurance Agent Before Spring Storm Season You do not need to become an insurance expert. But you do need to understand the parts of your policy that affect storm damage. Here are the questions we would ask. 1. Do I have a separate wind and hail deductible? Ask your agent: “What is my deductible for wind and hail damage?” Then ask whether it is a flat dollar amount or a percentage of your home’s insured value. This is one of the most important questions because it helps you understand whether filing a claim would make financial sense after a storm. 2. Is my roof covered at Replacement Cost Value or Actual Cash Value? Ask: “Is my roof covered at Replacement Cost Value or Actual Cash Value?” Replacement Cost Value, often called RCV, generally means your policy may help pay to replace damaged materials at today’s cost, depending on your coverage and claim details. Actual Cash Value, often called ACV, factors in depreciation. That means an older roof may be valued lower because of age, even if it needs to be replaced. This can create a major out-of-pocket difference. 3. Does my policy have cosmetic damage exclusions? Ask: “Does my policy exclude cosmetic damage to roofing, siding, gutters, windows, or metal components?” Policies may treat visible damage differently if the material still technically functions. This can matter with dented gutters, metal roofing components, siding marks, or exterior finishes. You want to know this before you have damage. 4. How long do I have to file a hail or wind claim? Ask: “How long do I have to file a storm damage claim after the date of loss?” Homeowners assume they have plenty of time, but claim deadlines can be shorter than expected. The source information provided for this blog notes that Minnesota insurers may limit hail claims to a one-year window from the date of the storm. Do not wait until you see a leak months later. If your area was hit by hail or strong winds, get your property inspected and document the condition. 5. What documentation do I need if I file a storm damage claim? Ask: “What kind of photos, inspection notes, or contractor documentation should I have if storm damage happens?” A professional inspection can help identify and document damage to your roof, siding, windows, gutters, decks, and exterior components. Documentation can be especially important for commercial, multifamily, and HOA properties where multiple areas may be affected. 6. Are there roof age restrictions or coverage changes I should know about? Ask: “Does the age of my roof affect my coverage?” Some policies treat older roofs differently. If your roof is approaching 10, 15, or 20 years old, ask whether coverage changes at a certain age. This helps you plan ahead instead of finding out after a claim. Should You File a Claim After a Hailstorm? Not every storm means you should immediately file a claim. A better first step is to understand whether there is actual damage and whether the cost of repairs or replacement is likely to exceed your deductible. When It May Make Sense to File a Claim Filing a claim may make sense if: A professional inspection confirms storm damage The damage affects roof performance Siding, gutters, windows, or exterior components were also damaged Repair or replacement costs are higher than your deductible The damage is clearly connected to a covered storm event When It May Not Make Sense to File a Claim A claim may not make sense if: Damage is minor Repair costs are below your deductible The issue is age-related wear instead of storm damage There is no confirmed damage after inspection This is why Archway Contracting recommends starting with an inspection before making decisions. You deserve clear information before calling your insurance company. What Should You Check After a Spring Storm? After hail or high winds, walk around your property from the ground. Do not climb onto your roof. Look for: Dented gutters or downspouts Missing, lifted, or curled shingles Granules near downspouts Damaged siding Torn window screens Dents on garage doors or exterior metal Debris on the roof or around the property Water stains inside the home or building Even if you do not see obvious damage, your roof may still need a closer inspection. Searches like “roof inspection near me,” “hail damage roof inspection,” “storm damage contractor near me,” and “roofing company near me” often happen after a storm because homeowners are not sure what they are looking at. That uncertainty is normal. A professional inspection can give you answers. Why Work With an Organized Storm Damage Contractor? Storm damage projects require more than roofing knowledge. They require documentation, communication, scheduling, materials coordination, and a clear process. This is especially important for: Residential homeowners Commercial properties Multifamily communities HOA-managed properties Archway Contracting is based in Ham Lake and serves the Twin Cities, including the northwest metro, south metro, and Western Wisconsin. Our team helps homeowners and property owners understand what was damaged, what may need repair or replacement, and what information may be helpful when speaking with insurance. Our services include: Roofing Siding Windows Gutters Decks Storm damage restoration Free insurance inspections when storm damage may be involved Summary Spring storms in Minnesota can cause hail and wind damage to roofing, siding, windows, gutters, decks, and other exterior components. Before storm season, homeowners should ask their insurance agent about wind and hail deductibles, Replacement Cost Value vs. Actual Cash Value coverage, cosmetic damage exclusions, roof age restrictions, claim deadlines, and documentation requirements. Archway Contracting is based in Ham Lake, MN and serves the Twin Cities, south metro, and Western Wisconsin with roofing, siding, windows, gutters, decks, storm damage restoration, and free insurance inspections when storm damage may be involved. Schedule a Free Insurance Inspection Spring storms are here. Before you need your insurance policy, make sure you understand it. If your home, business, multifamily property, or HOA community has been affected by hail or wind, Archway Contracting can help you take the next step with confidence. Schedule a free insurance inspection with Archway Contracting and get clear answers about your roof, siding, windows, gutters, decks, and storm damage concerns.
Located in Ham Lake, Archway Contracting proudly serves homeowners, businesses, multifamily properties, and HOA communities across Minnesota, including the growing south metro from Lakeville to Faribault. If you live or manage property in the south metro, you know how quickly Minnesota weather can impact your home or building exterior. Hail, wind, heavy rain, freeze-thaw cycles, and aging materials can all affect your roof, siding, windows, gutters, decks, and overall property protection. The good news is that you do not have to guess what your home needs. Archway Contracting provides inspection-first exterior services designed to help you understand the condition of your property, compare options clearly, and make informed decisions before starting a project.
Choosing a roofing company isn’t something most homeowners plan for. It usually comes at a moment when something needs attention now. A storm just came through. Your roof is aging. Or you’re starting to notice signs of wear you can’t ignore. And the question becomes: “Who can I actually trust to do this right?” This guide breaks down what to look for when comparing roofing companies in Ham Lake and the surrounding Twin Cities area, so you can make a confident decision for your home, business, or property. How We Evaluated Roofing Companies in Ham Lake To help homeowners and property owners make informed decisions, we looked at: Verified customer reviews and reputation Experience working in Minnesota weather conditions Range of services (roofing, storm damage, exterior work) Communication and project structure Local presence in Ham Lake and surrounding suburbs This is not a paid ranking. It’s designed to give you clarity on what actually matters when choosing a contractor. Best Roofing Companies Serving Ham Lake, MN 1. Archway Contracting (Ham Lake, MN) Best for: Homeowners and property owners looking for a structured, full-service exterior contractor with strong communication and long-term support. Archway Contracting is based in Ham Lake and serves the northwest metro, south metro, and Western Wisconsin. They specialize in roofing, siding, windows, gutters, decks, and storm damage restoration for residential, commercial, and multifamily properties. What sets Archway apart is their inspection-first approach. Instead of jumping straight to a quote, they focus on helping homeowners understand the condition of their home and what’s actually needed before making decisions. They are especially strong in: Storm damage inspections and restoration Insurance-related roofing projects Full exterior renovations Residential, commercial, and HOA work For homeowners dealing with hail, wind, or storm-related exterior damage, Archway also provides storm damage restoration services for roofing, siding, gutters, and other exterior components. This can be especially helpful when one weather event affects more than just the roof. Why Homeowners Choose Archway Contracting Archway Contracting has built our reputation on doing things the right way from the first inspection to the final walkthrough. Before comparing roofing estimates, it helps to understand what actually impacts the cost of a roof replacement . Roof size, pitch, materials, ventilation, flashing, tear-off needs, and storm-related damage can all change the final price. If you’re trying to budget or compare quotes, start with our guide to how much a new roof costs in Minnesota . Proven Experience and Industry Recognition Top Diamond TAMKO Contractor in the Midwest A+ Accredited with the Better Business Bureau since 2015 Best-in-industry warranties, including lifetime product options These credentials reflect a commitment to quality, training, and accountability—not just marketing. A Structured, Professional Approach Homeowners often say the biggest difference isn’t just the finished product. It’s the experience along the way. Archway focuses on: Clear communication at every stage Defined timelines and expectations A dedicated team managing your project You’re never left wondering what happens next. Trusted Across the Twin Cities and Western Wisconsin Archway works with: Residential homeowners Commercial properties Multifamily and HOA communities Whether it’s storm damage or a full exterior project, the goal is simple, do the work right and make sure you feel confident every step of the way. 2–7. Other Roofing Companies Serving Ham Lake and Surrounding Areas There are several reputable roofing companies serving Ham Lake and the surrounding Twin Cities metro area. While every company operates differently, homeowners also consider: 2. NexGen Exteriors (Anoka, MN) Best for: Residential and commercial roofing, storm restoration, and full exterior projects NexGen Exteriors is an Anoka-based exterior contractor serving homeowners and property owners across Minnesota and Western Wisconsin. Their services include roofing, siding, windows, gutters, and storm damage restoration, making them a relevant option for homeowners comparing full-service exterior companies near Ham Lake. NexGen is also a GAF-certified roofing contractor and has built a strong regional presence in both residential and commercial roofing. Homeowners may consider them when looking for a larger exterior contractor with experience across multiple project types. 3. Owl Roofing (Shoreview, MN) Best for: Homeowners looking for a family-owned roofing company with a clear process and strong customer communication Owl Roofing is a Shoreview-based roofing company serving homeowners across the Twin Cities. Their services include residential roofing, roof repair, siding, storm damage inspections, insurance claims, and commercial roofing. Their website emphasizes a detailed inspection process, clear estimates, cleanup, aftercare, and a “Get it Right Guarantee,” which may appeal to homeowners looking for a company that explains the roofing process clearly from start to finish. 4. Sela Roofing & Remodeling (Twin Cities, MN) Best for: High-volume roofing and remodeling services Sela Roofing & Remodeling is one of the more recognizable roofing and exterior remodeling companies in the Twin Cities. They serve homeowners across the metro and are often considered by people comparing larger, established roofing contractors. Homeowners may consider Sela for roof replacement, exterior remodeling, and storm-related work, especially if they are looking for a long-standing company with broad brand recognition. 5. Hoffman Weber Construction (New Brighton, MN) Best for: Exterior remodeling, storm damage repair, and multi-service projects Hoffman Weber Construction is a New Brighton-based exterior contractor offering roofing, siding, gutters, windows, and storm damage repair. They serve residential, multifamily, and commercial customers and also have service areas extending into Wisconsin. Homeowners may consider Hoffman Weber when they want an established exterior remodeling company with experience in storm restoration and larger exterior projects. 6. Northface Construction (Twin Cities, MN) Best for: Roofing, siding, and exterior restoration projects Northface Construction is another Twin Cities exterior contractor homeowners may come across when searching for roofing companies near Ham Lake. They are commonly associated with roofing, siding, and storm restoration work across the metro. Homeowners may consider Northface when comparing contractors that handle both roofing and broader exterior improvements. 7. Snap Construction (Twin Cities, MN) Best for: Roofing, siding, windows, and exterior remodeling Snap Construction serves homeowners across the Twin Cities with roofing and exterior remodeling services. They are a recognizable name in the local home improvement space and may come up during searches for roofing contractors, siding contractors, and storm damage repair companies. Homeowners may consider Snap Construction when comparing contractors with a broader exterior remodeling focus. What Customers Actually Say About Roofing Companies When homeowners reflect on their experience, a few patterns stand out: Communication matters more than price Delays often come from lack of structure or crew capacity The best contractors explain the process clearly before starting These insights often matter more than marketing claims. How to Choose the Right Roofing Company Most homeowners compare two or three quotes, but the biggest differences aren’t always in price. Before comparing roofing estimates, it helps to understand what actually impacts the cost of a roof replacement. Roof size, pitch, materials, ventilation, flashing, tear-off needs, and storm-related damage can all change the final price. If you’re trying to budget or compare quotes, start with our guide to how much a new roof costs in Minnesota . Ask Who Is Managing Your Project A clear point of contact can make a big difference in how smoothly your project runs. Understand What’s Included Not all estimates include: Ventilation Flashing Full roofing system components Look for Structure, Not Just Promises A strong contractor will walk you through: Timeline Process Expectations Consider Local Experience Homes in Ham Lake, the Twin Cities, and Western Wisconsin deal with: Hail Wind Freeze-thaw cycles Experience in this environment matters. Archway Contracting's Services Available in Ham Lake and Surrounding Areas We offer a range of exterior services, including: Roof replacement and repair Storm damage restoration Siding installation Window replacement Gutter systems Deck construction Choosing a contractor who can handle multiple services can simplify your project and improve coordination. Summary The best roofing companies in Ham Lake, MN combine strong local reputation, clear communication, and structured project management. Homeowners should compare contractors based on experience, services, and how projects are managed, not just price. Choosing the right contractor helps ensure long-term performance and a smoother overall experience. Frequently Asked Questions Who is the best roofing company in Ham Lake, MN? The best company depends on your needs, but look for strong reviews, local experience, and a clear process. How do I choose a roofing contractor near me? Ask about project management, scope of work, and experience with storm damage. How much does a roof cost in Ham Lake? Costs vary based on size, materials, and condition. A professional inspection provides the most accurate estimate. Do roofing companies handle insurance claims? Many do, especially for storm damage. It’s best to confirm before starting. Get Started with a Free Roof Inspection If you’re researching roofing companies in Ham Lake or the surrounding Twin Cities area, the best place to start is understanding the condition of your home. Archway Contracting provides roofing, siding, windows, gutters, decks, and storm damage services across Ham Lake, the northwest metro, south metro, and Western Wisconsin. Start with a professional inspection so you know exactly what your home needs before making a decision.
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