BLOOMINGTON, Minn., September 17, 2026 — Minnesota homeowners are confronting a rapidly changing insurance environment as rising premiums, severe weather losses and higher construction costs put increased pressure on household budgets. For Bloomington property owners, the condition and age of a home’s roof may now play an increasingly important role in insurance renewals, deductibles and coverage decisions.
Twin Cities Contracting Services Inc., a Bloomington-based roofing contractor serving homeowners throughout the Twin Cities metropolitan area, has published a new homeowner resource examining these changes and outlining practical steps property owners can take before their next insurance renewal.
The new article, Minnesota Home Insurance Costs Are Surging in 2026: What Bloomington Homeowners Should Know About Their Roofs, looks at the relationship between Minnesota’s rising insurance costs and several roof-related factors, including age, condition, storm exposure, maintenance history and roofing materials.
Recent reports have placed Minnesota among the states experiencing the most significant increases in homeowners insurance premiums. A 2026 report cited in the article found that Minnesota homeowners insurance premiums increased approximately 34 percent over the previous year, the largest increase reported among U.S. states.
Severe weather is one factor contributing to the problem. Minnesota homeowners regularly face hail, strong winds, snow, ice and other weather conditions capable of damaging residential roofing systems. At the same time, construction materials, repair costs and labor expenses have increased, making property losses more expensive for insurance carriers to resolve.
For homeowners, those pressures may result in higher premiums, larger wind and hail deductibles, additional inspection requirements or changes in how aging roofs are covered.
Roof Age Is Receiving More Attention From Insurance Companies
One of the key issues highlighted by Twin Cities Contracting Services Inc. is roof age.
Insurance companies establish their own underwriting standards, but older roofing systems may receive additional scrutiny during a new policy application or renewal. Depending on the carrier, roof type, condition and policy, homeowners with aging roofs may encounter inspection requirements, different settlement terms or other coverage limitations.
That makes it increasingly important for property owners to know the approximate age and current condition of their roofing system rather than waiting until an insurance company raises the issue.
A roof that appears acceptable from the ground may still have loose or damaged shingles, deteriorating flashing, ventilation issues, previous storm damage or other conditions that warrant attention.
Twin Cities Contracting Services Inc. recommends that homeowners pay attention to signs such as missing or cracked shingles, excessive granule accumulation in gutters, damaged flashing and water stains inside the home.
For roofs approaching the end of their useful life, homeowners can also review the company’s information about roof replacement in Bloomington and the factors that should be considered when determining whether replacement may be appropriate.
Hail and Wind Continue to Create Challenges for Minnesota Homeowners
Storm-related roofing damage remains another major concern.
Hail and high winds can affect shingles, flashing, vents and other roofing components, sometimes without creating an immediate interior leak. Damage that initially appears minor can become more serious if compromised areas are exposed to additional storms, snow, ice or repeated freeze-and-thaw cycles.
Insurance policies can also distinguish between sudden storm damage and deterioration caused by age, deferred maintenance or long-term wear.
For that reason, documentation can be especially valuable.
Homeowners should consider maintaining dated photographs of their roof and exterior, keeping copies of professional inspection reports and retaining invoices from repairs or previous roofing work. Establishing a record of the roof’s condition before a major storm can make it easier to identify changes afterward.
After a significant hail or wind event, homeowners should inspect their property from a safe location and arrange a professional evaluation when damage is suspected.
Higher Deductibles Make Policy Reviews Increasingly Important
The new homeowner resource also encourages Minnesota residents to pay close attention to their insurance renewal documents.
A policy may change even when the homeowner remains with the same insurance carrier.
Wind and hail deductibles, roof endorsements, cosmetic damage exclusions and settlement provisions can significantly affect the amount homeowners are responsible for paying after a loss.
Percentage-based deductibles deserve particular attention. Unlike a fixed deductible, a percentage deductible is calculated against the insured value of the dwelling. That can result in a substantially larger out-of-pocket expense following a severe storm.
Homeowners should also determine whether their roof is covered on a replacement-cost or actual-cash-value basis. Actual cash value generally accounts for depreciation, meaning an aging roof may produce a considerably smaller insurance payment than homeowners expect after a covered loss.
Twin Cities Contracting Services Inc. encourages homeowners to discuss policy-specific questions directly with a qualified insurance agent or carrier. Roofing contractors can assess physical roof conditions and document damage, but homeowners should rely on licensed insurance professionals for interpretations of individual policies and coverage.
Preventive Roof Maintenance Can Help Homeowners Stay Ahead
Waiting for a roof leak or insurance notice is not the only option available to homeowners.
Regular maintenance and inspections can help identify smaller roofing problems before they develop into more extensive damage.
Homeowners can reduce avoidable roofing problems by keeping gutters and downspouts clear, checking for damaged shingles after storms, monitoring roof flashing, trimming potentially hazardous tree limbs and watching for signs of moisture or water intrusion inside the home.
Periodic professional roof inspections provide another layer of information.
An inspection can establish the roof’s current condition, document visible concerns and help homeowners make more informed decisions about repairs, replacement or future budgeting.
Scheduling an inspection before an insurance renewal may also give homeowners more time to address identified problems rather than responding to them after receiving a carrier notice.
A Proactive Approach to Roof Replacement
When a roof has reached the end of its service life or has sustained significant damage, replacement may become the most practical long-term solution.
Modern roofing systems can incorporate upgraded shingles, synthetic underlayment, improved ventilation, ice and water barriers and other components designed to improve performance in Minnesota’s demanding climate.
Some insurance companies may also recognize certain impact-resistant roofing products or home-hardening improvements when determining available discounts or policy terms. Eligibility varies by insurer, so homeowners considering upgrades should speak with their insurance provider before selecting materials if insurance incentives are part of the decision.
The goal is not simply to install a new roof because insurance costs are increasing. Rather, homeowners should understand the actual condition of their roof, the requirements of their individual insurance policy and the available roofing options before making a major investment.
Serving Bloomington and the Greater Twin Cities Metro
Twin Cities Contracting Services Inc. has served Bloomington and communities throughout the greater Twin Cities metropolitan area since 1964.
The company provides residential roofing services including roof inspections, roof installation, roof replacement, residential shingle roofing and assessments following severe weather.
As insurance costs and roofing requirements continue to evolve, Twin Cities Contracting Services Inc. aims to help homeowners better understand the physical condition of their roofs so they can make informed decisions before problems become emergencies.
Bloomington homeowners concerned about an aging roof, recent hail or wind damage, or an upcoming insurance renewal can contact the company to discuss their roofing needs.
Homeowners are also encouraged to review their insurance policies directly with their insurance agents, particularly when evaluating deductibles, roof-age provisions, exclusions and replacement-cost versus actual-cash-value coverage.
For additional information about the insurance and roofing issues facing Minnesota homeowners in 2026, read the full report: Minnesota Home Insurance Costs Are Surging in 2026: What Bloomington Homeowners Should Know About Their Roofs.
About Twin Cities Contracting Services Inc.
Twin Cities Contracting Services Inc. is a Bloomington, Minnesota-based contractor providing roofing and exterior improvement services throughout the Twin Cities metropolitan area. Serving Minnesota homeowners since 1964, the company provides professional roof inspections, roof installation, roof replacement and residential shingle roofing services with an emphasis on quality workmanship, clear communication and dependable service.
Twin Cities Contracting Services Inc.140 W 98th St #202Bloomington, MN 55420, USAPhone: 952-405-6201Website: https://twincitiescontractingservices.com/
Media Contact
Twin Cities Contracting Services Inc.
140 W 98th St #202Bloomington, MN 55420
952-405-6201
Media Contact
Company Name: Twin Cities Contracting Services Inc.
Contact Person: Brian Homme
Email: Send Email
Phone: +1 952-405-6201
Address:140 W 98th St #202
City: Bloomington
State: MN
Country: United States
Website: https://twincitiescontractingservices.com