Caliber Construction

Caliber Construction Exterior Damage Specialist since 2008!

New Roof for these homeowners today! Cheers to no more leaks!!
06/03/2026

New Roof for these homeowners today! Cheers to no more leaks!!

Last year we got a call from a client after two trees fell on her home during a storm. Thankfully everyone was safe, but...
05/30/2026

Last year we got a call from a client after two trees fell on her home during a storm. Thankfully everyone was safe, but the damage was extensive.

We removed the trees and started the insurance claim process. The insurance company initially wanted to pay for what felt like about 4 shingles. 🤣Although there was a hole through her ceiling trusses had snapped and the entire roof system was impacted by the trees.

What followed was a 10-month battle with the insurance company:
âś… 6 adjusters
âś… 2 engineers
âś… Countless inspections, meetings, and phone calls

We refused to give up, and eventually we won.

The final claim covered:
✔️ New trusses
✔️ New sheathing
✔️ New roof
✔️ New soffit, fascia, and gutters
✔️ New siding (no matching product available)
✔️ New deck
✔️ Tree removal
✔️ New drywall
✔️ Ceiling texture and paint

Seeing this home today is a reminder of why we love what we do. Sometimes selling roofs isn't just about construction—it's about helping people navigate one of the most stressful situations they'll face as homeowners.

Ten months, a lot of persistence, and one beautiful result. 💪🏠

Before and after! Fresh look for this homeowner! Who's next?
05/15/2026

Before and after! Fresh look for this homeowner! Who's next?

New Roof on Caliber Constructions new build today!! What color siding do you think this home owner chose?
05/14/2026

New Roof on Caliber Constructions new build today!! What color siding do you think this home owner chose?

Gutters are one of the most overlooked but important parts of a home. Their job is simple — move water away from your ho...
05/12/2026

Gutters are one of the most overlooked but important parts of a home. Their job is simple — move water away from your house. Without proper gutters and drainage, rainwater pours directly next to the foundation causing erosion, settling, cracked foundations, leaking basements, mold, rotting fascia, damaged landscaping, and even ice issues in Minnesota winters.

Water always wins over time. A small drainage issue today can turn into a major structural repair later. Proper gutters, downspouts, and grading help protect the biggest investment most families will ever make — their home.

Picking siding can honestly sometimes be overwhelming—there are so many colors and styles out there. Around Minnesota ri...
04/25/2026

Picking siding can honestly sometimes be overwhelming—there are so many colors and styles out there. Around Minnesota right now we’re seeing a lot of greys, sage greens, and darker blues, but also a big shift toward warmer tones, natural wood looks, and earthy colors that tie in with the landscape.

If you’re thinking about residing but don’t know where to start, we have a lot of tools to help you bring your ideas to life and actually see what different options could look like on your house.
From there, we can help you dial it in so it fits your home, your style, and your budget đź‘Ť

New Roof for these folks today!! Lifetime warranty!Call us for your same day estimate!!
04/25/2026

New Roof for these folks today!! Lifetime warranty!
Call us for your same day estimate!!

Having a knowledgeable contractor present at your insurance adjuster appointment is extremely important because the adju...
04/24/2026

Having a knowledgeable contractor present at your insurance adjuster appointment is extremely important because the adjuster is there to inspect the damage and determine what the insurance company may cover, but they may not catch everything during one visit.
A good contractor understands roofing, siding, gutters, windows, storm damage, building codes, and how insurance estimates are written. They can walk the property with the adjuster, point out damage that may be missed, explain why certain items need repair or replacement, and help make sure the scope of work is accurate from the beginning.
This matters because insurance claims are not just about seeing damage. They are about properly documenting the damage, understanding what materials were affected, knowing what can and cannot be repaired, and making sure the estimate includes the correct labor, materials, code requirements, and related components. For example, roof damage may also involve gutters, fascia, siding, vents, flashing, drip edge, decking, or interior leaks. If those items are missed during the first inspection, it can delay the claim or leave the homeowner responsible for costs that should have been included.
A knowledgeable contractor also understands policy details that can affect the outcome of the claim, such as actual cash value versus replacement cost, deductibles, matching coverage, code upgrades, discontinued materials, and separate wind or hail deductibles. Having someone there who understands these details helps protect the homeowner from confusion and helps avoid an incomplete or inaccurate claim.
It is also helpful because the adjuster and contractor can discuss the damage directly on site. This creates a clearer process, reduces back-and-forth, and gives the homeowner a better chance of having everything properly reviewed the first time.
At the end of the day, your home is one of your biggest investments. Having the right contractor at the adjuster appointment helps make sure the damage is properly identified, the claim is handled correctly, and you are not left paying out of pocket for items that should have been addressed through your policy.

Your insurance could save you thousands — but only if you actually understand it.Most homeowners assume they’re fully co...
04/17/2026

Your insurance could save you thousands — but only if you actually understand it.

Most homeowners assume they’re fully covered… until a storm hits and the claim doesn’t pay out the way they expected. Here are a few things you need to look at in your policy:

ACV vs. Replacement Coverage (this is a big one)
If your roof is covered under ACV (Actual Cash Value), the insurance company factors in depreciation.
That means if your roof is older, they’re not paying for a full replacement — just what it’s worth today.

Example:
A 15-year-old roof might only get a fraction of the replacement cost covered, leaving you with a huge out-of-pocket bill.

With Replacement Cost (RCV), they cover the full cost to replace it (minus deductible), which is a massive difference when you're talking $15K–$30K roofs.

Separate Hail & Wind Deductibles
A lot of policies now have different deductibles for storm damage — and they’re usually higher.

Instead of a flat $1,000 deductible, you might have:

1% – 2% of your home’s value for hail/wind

On a $400K home, that’s $4,000–$8,000 out of pocket before insurance pays anything.
Most people don’t realize this until it’s too late.

Matching Coverage (extremely important for older homes)
If your siding or roofing is older, colors and materials may no longer be available.

Without matching coverage, insurance may only pay to fix one section — leaving you with:

Mismatched siding

Patchy roof repairs

Reduced home value

With proper matching coverage, insurance helps ensure the repair blends — or replaces enough to actually match.

Bottom line:
Not all policies are built the same. Two homeowners on the same street can have completely different outcomes after the same storm.

If you haven’t reviewed your policy in the last year, it’s worth 15 minutes to go over:

Roof coverage type (ACV or Replacement)

Storm deductibles

Matching clauses

Understanding this before a claim is the difference between being protected… and being stuck paying for it yourself.
Feel free to reach out to us at Caliber if you have any questions on your policy prior to filing a claim.

Spring is here—and so are the hailstorms. We were out in Faribault today doing inspections and saw some pretty significa...
04/16/2026

Spring is here—and so are the hailstorms. We were out in Faribault today doing inspections and saw some pretty significant damage from the recent storm.

Before you rush to file an insurance claim, it’s important to have a trusted contractor inspect your roof first.

A good contractor isn’t just there to sell you a roof—they should help you understand your insurance policy before anything gets submitted. Every policy is different, and knowing what you have (deductibles, depreciation, exclusions) can make a big difference in how your claim plays out.

The goal is simple: make informed decisions, protect your home, and avoid unnecessary headaches.

Address

1135 E Orchard
Belle Plaine, MN
56011

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 7am - 7pm

Telephone

+16125011639

Website

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