Storm Hit Your Twin Cities Home? Here's Exactly What to Do — Step by Step.

Step 1 — Get your Free Hail Impact Report first

Before you call insurance. Before an adjuster visits. Run your address through 11 years of verified storm data. Know exactly when hail or wind hit your property.

Step 2 — Safety first

Make sure your family is safe and your home is structurally sound. If there is visible structural damage, electrical exposure, or active water intrusion through the ceiling — do not enter affected areas.

Step 3 — Document everything before anything is touched

Walk every room and the exterior. Photo and video every visible point of damage. Date stamps matter. What isn't documented doesn't exist in your claim file.

Step 4 — Call your insurer to open a claim

Have your policy number, storm date, and documentation ready. Do not estimate repair costs, agree to a settlement, sign anything, or say damage was pre-existing on the first call.

Step 5 — Forensic inspection before or with the adjuster

Step 6 — Watch for storm chasers

Red flags: unsolicited knocks right after the storm, pressure to sign Assignment of Benefits, no local license or address, "free" deductible waivers (insurance fraud in MN under MN Statute 325E.66). Repair King has been local since 2009— we don't knock doors after storms.

Step 7 — Understand ACV vs. RCV and supplement windows

ACV pays depreciated value; RCV pays replacement cost. Most policies allow supplements when scope is incomplete — check your policy for deadlines.

Step 8 — Choose your contractor before final settlement

Get forensic inspection, understand real scope, choose your contractor, and let your contractor advocate before you sign off. Order of operations is the difference between a claim that covers real needs and one that falls tens of thousands short.