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Storm Damage. Clear Next Steps.
After a storm, you need a plan—not another sales pitch. GeekSuite helps Minnesota homeowners understand visible damage and the construction work their home may need, from roofing and siding to windows, doors and gutters.
We document field conditions, explain repair options and compare the proposed construction scope with the carrier estimate. You stay involved in product choices, approved changes and scheduling.
Your insurer determines coverage under your policy. Our role is the construction work; we do not act as your public adjuster, interpret coverage for you or promise a claim outcome. Clear responsibilities make the next steps easier to understand.
From First Photos to Finished Repairs
1. Start safely and keep a record.
Photograph visible damage from a safe location, note when it happened and keep receipts for reasonable temporary protection. Stay off a damaged roof. Report the loss to your insurer and ask about inspection and documentation requirements before permanent repairs.
2. Define what needs to be repaired.
We review visible conditions and explain the proposed materials and construction details. Keep the carrier estimate, photos and written scope together so differences can be identified clearly.
3. Make decisions before work starts.
Review selections, exclusions, responsibilities and the payment schedule in the written agreement. If new damage is uncovered, document it and agree on changes rather than assume every extra will be covered.
4. Close the loop after the work.
Keep the final invoice, completion records, product information and warranty documents. Ask your insurer which documents it needs and whether any claim deadlines remain.
What might I have to pay?
Ask your insurer about the deductible, exclusions, depreciation and any conditions for additional payment. Upgrades or work outside the covered scope can create additional costs. Minnesota prohibits contractors from offering to pay an insurance deductible as an inducement to a covered-repair contract.
What if I disagree with the coverage decision?
Ask the insurer for a written explanation and the policy language it relied on. Coverage questions belong with your insurer or an appropriately licensed adviser—not a promise made in a sales conversation. Minnesota Commerce provides consumer guidance and a complaint process.
Minnesota Commerce: filing a claim · Minnesota DLI: deductibles · More project FAQs
Why hail damage may become clearer later
A hail impact can loosen protective granules or damage the shingle beneath them. Some changes are visible immediately; others become easier to see as the roof weathers and loosened granules wash away. Granule loss alone does not establish the cause. We look at the pattern, surrounding materials and overall roof condition—not just one mark.
Do not wait for rain or a leak. Photograph concerns from a safe location and arrange a qualified inspection. The illustration below explains a possible process; it does not diagnose a roof or determine insurance coverage.
