Roof repair grants could keep Minnesota insurance claims from spiraling out of control

Minnesota is part of a patchwork of states trying to reimagine storm preparedness, by making roofs on homes stronger – before winds and hail fueled by climate change can wreak havoc.

The nonprofit news organization Stateline reports that Alabama has pioneered an approach that provides financial assistance to homeowners in need of an updated roof.

Officials say if more people take advantage, pressure will be taken off of insurance companies dealing with an onslaught of claims after a natural disaster.

Minnesota is designing a similar program, and the state Commerce Department’s Energy Affordability Office Director Tracy Smetana said future grants could help eligible homeowners avoid a costly fix, and stabilize the insurance market.

“The insurance companies are required to offer a premium discount for upgraded or new roofs built to that fortified standard,” said Smetana. “So that’s a benefit again to individual homeowners, but of course, insurance rates across the state and insurance availability.”

The fortified standard she mentioned is one gaining more traction in making buildings more climate resilient.

Meanwhile, policy observers say the market stability can help prevent major insurance carriers from pulling out of certain regions because of risk factors.

While the Minnesota Legislature approved planning funds, more money will need to be secured next session for the actual grants.

Looking past the broader financial benefits, Smetana said preventing more roofs from blowing off might mean not as many people will be displaced after a severe storm.

“Currently, when your home is damaged by wind and hail,” said Smetana, “quite often it involves water in your home and makes it unlivable for a period of time.”

If state lawmakers approve grant funds next year, Smetana said they could become available in late 2025.

While the program is still coming together, applicants would need to be insured and their home would have to be in relatively good shape outside of the roof upgrade needs.

This comes as many property owners in Minnesota recover from flood damage over the past couple of weeks.