What happens when you call
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Tell us what happened. 30 seconds - what burned and whether the home is secure.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - board-up comes first if the house is open.
What Minneapolis crews handle
What's different in Minneapolis?
Minneapolis winters are the real thing: weeks below zero find every uninsulated pipe run, ice dams build on every roofline, and the spring melt tests every sump pump in a metro where finished basements are the norm. The freeze-thaw cycle heaves foundations enough to open seepage paths, and summer brings the thunderstorms that overwhelm them.
Northern policies cover sudden freeze-burst pipes as long as the home was reasonably heated - and ice-dam water damage to the interior is typically covered even though the roof maintenance itself may not be. Sewer and sump backup need their own endorsement.
Your call goes to a crew based in the Minneapolis area. Serving Minneapolis, St. Paul, Bloomington, Edina, Eden Prairie, Maple Grove, and all of Hennepin County.
What to know before repairs in Minneapolis
Fire repairs in Minneapolis can involve several permits. Rewiring needs an electrical permit, and the state Department of Labor and Industry assigns the electrical inspectors for Minneapolis by district. A contractor hired only to re-roof your house must hold a state roofer, remodeler or building contractor license, and a roofer license does not cover gutters, soffit or fascia. Owner-occupants may do some of their own work, but not on gas-fired heating equipment. If the house is in a locally designated historic district, such as Milwaukee Avenue, the Healy Block or Lowry Hill East, the city requires approval before exterior alterations, so contact 311 before replacing siding, windows or porches.
Common questions
Can we stay in the house?
Depends on smoke spread and structural safety - the crew tells you straight after inspection. If you can't, most policies pay for temporary housing (loss-of-use coverage).
Is fire damage covered by insurance?
Typically yes. Fire is a core homeowner's peril, and coverage usually includes smoke damage, water from firefighting, board-up, and rebuilding, subject to your limits and deductible - check your declarations page for those. Ask the contractor about documentation and coordination with your adjuster.
Should I start cleaning up myself?
It's best to wait on soot cleanup. Wiping soot the wrong way can drive it deeper, and moving debris before photos may reduce what your claim can show. Waiting on cleanup doesn't mean delaying safe steps to prevent further damage, like board-up or tarping once it's safe. Photograph first.