Free Storm Inspection
Find out whether a claim applies before you file.
- Roof, Siding, Gutters, Windows
- Hail and Wind Damage
- Honest Assessment
- No Pressure
Insurance Roof Replacement
in Farmington, MN
We Document the Damage, Meet Your Adjuster and Build the Roof the Claim Pays For
Insurance Claim Assistance
We Know Exactly What
We Know Exactly What
Insurance Adjusters Look For
Photo Documentation
Every impact, every elevation, on the record.
- Chalked Impact Marks
- Soft-Metal Dents
- Granule Loss
- Interior Water Stains
Adjuster Meeting
We are on the roof when the adjuster is.
- Walk the Roof Together
- Point Out Every Find
- Answer Scope Questions
- Nothing Missed
Scope Review
The scope should match the actual work.
- Line-Item Review
- Aligned to Approved Coverage
- Materials and Code Items
- Clear Written Estimate
Approved Roof Replacement
Full tear-off and a new system once the claim is approved.
- Full Tear-Off
- Manufacturer-Spec Install
- 1 to 2 Days Typical
- Magnetic Nail Sweep
Siding, Gutters & Windows
Storm claims rarely stop at the roof.
- Hail-Cracked Siding
- Dented Gutters
- Window Frames and Wraps
- Trim and Fascia
#BC805219Minnesota Residential Building Contractor License, verifiable with the MN Dept. of Labor and Industry
Listed with the Better Business Bureau as a residential general contractorFarmington, MNLocally owned and operated. Here year round, not just for storm season.
21 communitiesFarmington and the South Metro, from Northfield up to Minneapolis and St. Paul
A claim, start to finish
“What a battle it was with my insurance.” The roof got built anyway.
A storm claim is paperwork plus persistence. We inspect, photograph and document the damage, meet the adjuster on the roof, and keep the scope tied to the actual work so the homeowner is not left covering the difference. Derek is the name that comes up in review after review for exactly that part of the job.
- Inspection and photo documentation
- Adjuster meeting on the roof
- Scope aligned to approved coverage
- Full replacement once approved
“Derek did an awesome job. What a battle it was with my insurance. They fought with the insurance and got me what I deserved…..a new roof. Crew did a great job with the work and clean up.”
Daniel Kurtz · Insurance roof replacement
One crew, one number.The same people from the inspection through the adjuster meeting and the final sweep.
What we hold ourselves to
The questions everyone asks before they file.
Should I call a contractor or my insurer first?
Many homeowners start with a professional roof inspection to find out whether storm damage has actually occurred before filing a claim. It is free, and it means you file with evidence.
Will a claim raise my rates?
Policies vary, but storm damage claims are typically treated differently from other claims because they result from weather events affecting entire regions.
How long does it take?
The timeline depends on the insurance company and the approval process. Once a claim is approved, most roof replacements are completed in one to two days.
What we do for the claim
Detailed roof inspection, photo documentation, meeting with the adjuster, and full roof replacement when approved. We make sure all storm-related damage is properly documented.
What we hold ourselves to
Honest and accurate roof assessments, quality materials built for Minnesota weather, and full support throughout the insurance claim process.
How a claim runs
Inspection to installation, with nothing missed.
We believe homeowners deserve a straightforward, transparent process, especially when insurance is involved. Here is the sequence.
Book a free inspection-
Step 1: Free roof inspection
A thorough look at your roof, flashing, ventilation and visible damage. Honest feedback, no pressure.
- Roof, flashing and ventilation checked
- Photos of anything we find
- You decide how to proceed
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Step 2: Storm damage review
If hail or wind damage is present, we explain what we are seeing and review your insurance options.
- What qualifies and what does not
- Options laid out plainly
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Step 3: Insurance claim support
We document damage, provide photos and work with adjusters so the claim reflects the actual scope of work.
- Photo documentation for the claim
- On site with your adjuster
- Scope aligned to approved coverage
-
Step 4: Clear estimate and scheduling
A detailed, written estimate outlining materials, scope and timeline. Once approved, we schedule your project.
- Written, itemized estimate
- No vague pricing or surprises
-
Step 5: Professional installation
Old materials removed, the new roof installed to manufacturer specifications, jobsite kept clean and safe throughout.
- Full tear-off, new system from the deck up
- Installed to manufacturer specs
- Most roofs done in 1 to 2 days
-
Step 6: Final walkthrough and cleanup
A final inspection, a full cleanup including magnetic sweeps, and a review of your warranty.
- Magnetic nail sweep of the yard
- Warranty reviewed with you
Typical timelines
What to expect on timing
Typical ranges once work is scheduled. Size, complexity, weather and, for storm work, the insurance approval process all move the number. Insurance timelines depend on the carrier.
Free inspection or consultation
Same visit
Roof replacement
~1–2 days
Window replacement
~1–2 days
Siding replacement
~7–14 days
01 week2 weeks
Who you will be working with
Brian runs the jobs. Derek runs the claims.
Brian, the owner, is on projects rather than behind a desk, and homeowners mention him keeping them updated and helping work through the insurance side of a claim. Derek Gajewski comes up most often in connection with insurance claims and with checking in while work is underway. Both names appear over and over in the reviews, which is the most honest introduction we can offer.
“Derek was amazing! He was both persistent and patient with our (awful) insurance company. He kept encouraging us and then was almost as happy as we were about the finished job.”Carey Erkal, homeowner review
In their words
What homeowners say after the claim is settled.
“Derek did an awesome job. What a battle it was with my insurance. They fought with the insurance and got me what I deserved…..a new roof. Crew did a great job with the work and clean up. I need my garage sided in the near future and I will definitely be using BN again.”
“BN Builders recently replaced our roofing and siding as well as rewrapped our window frames. They were extremely efficient, showing up promptly and we are extremely satisfied with their workmanship and love the end results. The job supervisor as well as the owner, Brian, kept us updated throughout the process. Brian went above and beyond and was excellent with helping us continue to work through the Insurance for their portion of coverage due.”
“Derek was amazing! He was both persistent and patient with our (awful) insurance company. He kept encouraging us and then was almost as happy as we were about the finished job. We will recommend Derek and BN Exteriors as often as we can.”
“Wonderful contractor, the people were on time everyday and personable. They did a spectacular job on roof and siding. Derek Gajewski was a great guy to work with and he stopped by to check on the progress continually.”
Where we handle claims
Based in Farmington. Working the South Metro around it.
Farmington and the South Metro communities around it. If a storm hit your neighborhood, we have almost certainly been on a roof nearby.
21communities served
Farmingtonhome base, Dakota County
- Farmington
- Lakeville
- Apple Valley
- Rosemount
- Burnsville
- Eagan
- Savage
- Prior Lake
- Inver Grove Heights
- Bloomington
- Eden Prairie
- Chanhassen
- Chaska
- Minnetonka
- Maple Grove
- Woodbury
- Stillwater
- Northfield
- Faribault
- St. Paul
- Minneapolis
Straight answers
Questions people ask before they call.
Should I call a roofing contractor or my insurance company first?
Many homeowners start with a professional roof inspection to determine whether storm damage has occurred before filing a claim. Ours is free, so you file with documentation in hand.
Will filing a roof claim increase my insurance rates?
Insurance policies vary, but storm damage claims are typically treated differently from other claims because they result from weather events affecting entire regions.
How long does the insurance roof replacement process take?
The timeline depends on the insurance company and approval process, but most roof replacements are completed quickly, usually one to two days, once a claim is approved.
What if the adjuster misses something?
That is why we meet the adjuster on the roof. We walk it together, point out every documented impact, and answer scope questions on the spot so the claim reflects the real scope of work.
Do you handle siding, gutter or window damage on the same claim?
Yes. Hail rarely stops at the roof. We document and repair storm damage to siding, gutters, downspouts, window frames and trim as part of the same job.
How do I know if insurance will cover my roof?
Coverage depends on the damage and your policy. We document the damage and guide you through the process so you can make an informed decision.
Are you licensed and insured?
BN Exteriors, LLC holds Minnesota Residential Building Contractor License #BC805219, issued by the Minnesota Department of Labor and Industry, and is listed with the Better Business Bureau. Verify it with the state before you hire us or anyone else.
Free inspection · no obligation
Start with the free inspection.
Before you call your insurer, find out what is actually up there. We inspect, photograph and tell you plainly whether a claim makes sense. If it does, we handle the documentation and meet the adjuster with you.
Request a free inspection
Fill this out and we will call you back to set up a time. No pressure, no obligation.