Minnesota weather is extremely hard on homes. In 2019, there were several major hail storms in the Twin Cities area. Some affected areas were Osseo, Coon Rapids, and Shoreview. One thing that many homeowners may not know is that if you don't file an insurance claim within two years of the damaging storm, it is unlikely that you will ever receive any assistance for the repairs. However, if filed on time, insurance companies will often pay for most or all of your home's repairs without a change to your insurance rates.