Their answers, on the record.

Dakota Roofing & Claims is a Sioux Falls general contractor built around two things at once: roofing and insurance claims. Residential laminate, designer and impact-resistant IR4, wood shake, tile and metal; commercial EPDM, TPO, built-up and rolled systems; plus gutters, siding, windows, wood decking, painting and HVAC. They are woman- and veteran-owned.

Both, and the claim is the point. Dakota handles damage assessment, files and advocates the claim, and manages the storm recovery across every trade the storm touched. Dakota states that more than 90% of claims get modified from the carrier's first scope, and that carriers typically pay only about 55% of the actual damage on that first check.

Yes — their inspection service covers rooftop, drone, and aerial. They also run buyer/seller storm inspections and deliver them as a 31-point report, which is the one that matters if you are trying to close on a house.

Sioux Falls, Brandon, Harrisburg, Tea, Dakota Dunes, Brookings, Garretson, and North and South Sioux City — up to a 100-mile radius.

Dakota advertises GreenSky financing: 12 months no interest, 9.9% for up to 96 months, up to $65,000, 90-second approval and no collateral. They also take Visa, Mastercard, Discover and American Express, with a 1.8%–3.5% processing fee on card payments.

Dakota states they are licensed, bonded, and carry $2M+ in general liability along with workers' compensation, and that they have worked claims with State Farm, Nationwide, USAA, Auto-Owners, AAA, Farm Bureau and Farmers.

Dakota's published answer is no: they work directly with the adjuster and write to the carrier's own software, so the scope and the funds line up with a full replacement instead of the lowest napkin number.

Yes. Managing mortgage-fund releases is one of their published services, and by their own count they have helped homeowners get funds released hundreds of times. Philip D.'s testimonial is exactly this case.

Dakota's position, published on their own site: the contractor who fought the approval has already sunk real cost into reports, photos and carrier correspondence, the approved scope was written around their plan, and splitting the job risks the depreciation release at the end. Their advice is to have that contractor under contract for the work.

No. You can ask the carrier to send another inspector, and Dakota recommends having a contractor present for the re-inspection to speak to the damage. Old claims are not automatically dead either: by their account most claims stay workable for two to three years past the storm date, and they have revived older ones.

Professional roofing supply houses. Their own answer names ABC Supply in Sioux Falls and Beacon. Supply-house stock, ordered per job, not whatever survived a big-box clearance aisle.

Everything off, down to the bare wood deck: shingles, underlayment, metals, flashings, pipe boots and vents. Then every part goes back new. Their words: no shortcuts, including the metals.

Their published case: they have never had to replace an impact-resistant shingle, carriers commonly discount premiums for IR4-class roofs, and the price step over standard shingles is small. Their own caveat is printed right beside it: no shingle is hail proof.

Their published answer, word for word: 'No, I believe it is 640 and above for your score, call for details to be sure.'

Yes. Their answer: most of their customers use financing to upgrade past what the carrier pays for, since insurance pays like for like.

Call the carrier first. Dakota's warning: a carrier can approve a short-term tarp or board-up, but DIY repairs made before that call can shrink or void the claim. If you must act, photograph everything before and after.

On their published structure: the ACV check plus your deductible on install day, then the balance only after the claim settles and the funds release. On straight bids with no claim, half down to order materials and half on install day. Confirm the current terms with them directly.

No, and they say so plainly: installation is done by crews that have put on thousands of roofs, while Dakota runs the project, the inspections and the claim, with oversight on site through the whole job.