Midwest Building Exteriors Inc.

Best Roofing Companies in Cottage Grove, MN (2026) | Top Contractors Reviewed

Cottage Grove's mix of newer subdivisions and established neighborhoods all get senior PM oversight from quote through final inspection.

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A+ BBB Accredited5.0★ Google99% Claim ApprovalLifetime Workmanship Warranty
Local context · 18–25 min read

Cottage Grove's mix of newer subdivisions and established neighborhoods all get senior PM oversight from quote through final inspection.

Cottage Grove sits in the east-metro hail track that runs from western Wisconsin across the St. Croix Valley and into the Twin Cities. The 2023 and 2024 storm seasons both produced direct hits across 55016, with documented stone sizes up to 2 inches and approved insurance claims on more than 1,800 Cottage Grove homes combined. As of early 2026, both claim windows remain open on most policies.

Cottage Grove's housing stock spans a wide range — Old Cottage Grove has 1960s and 1970s single-families on older builder specifications, Pine Hill Estates and Hamlet Park have a heavier concentration of 1990s and 2000s subdivisions, East Ridge and the newer construction along Highway 61 are dominated by 2010s and newer builds. Each tier has a different roofing profile and a different scoping challenge.

East-metro storm patterns are different from the south metro. Cottage Grove typically catches storm cells moving west out of western Wisconsin, often within a 15–30 minute window of when the same storms hit Hudson and the St. Croix Valley. That east-to-west movement is unusual for the broader Twin Cities (most storms move northeast) and it means many contractors who specialize in south-metro work are unfamiliar with the east-metro pattern.

Cottage Grove's specific challenge is contractor availability. Most large Twin Cities contractors treat the east metro as a secondary market, dispatching crews only after south-metro work is caught up. That means longer scheduling windows, less consistent crew quality, and less responsive warranty service. Working with a contractor that has a permanent east-metro presence — not just occasional dispatch — materially improves the experience.

This guide ranks the top seven roofing companies serving Cottage Grove in 2026. We are Midwest Building Exteriors, our St. Croix Falls office anchors our east-metro coverage and Cottage Grove crews dispatch daily, and yes — we ranked ourselves #1. Below: five-factor methodology, comparison table, and detailed contractor profiles.

Active across Washington County
  • Old Cottage Grove
  • Pine Hill Estates
  • Mississippi Dunes
  • Hamlet Park
  • East Ridge

How we ranked the top Cottage Grove roofers

Roofing rankings on the internet are notoriously gamed — paid placements, fake review aggregators, and 'best of' lists that exist only to sell ad slots. We refused to do that. Every contractor on this list was evaluated against the same five criteria, weighted equally, using publicly verifiable data from the Better Business Bureau, manufacturer certification registries, Google and Facebook reviews collected over the trailing 24 months, and Minnesota Department of Labor & Industry license records.

  1. 1. BBB Accreditation & Complaint History

    We pulled every contractor's Better Business Bureau record for the trailing five years. A+ rating is the minimum bar — we also looked at unresolved complaints, response time, and pattern-of-complaint flags. A contractor with an A+ and zero open complaints scores significantly higher than one with an A+ but two or three resolved-but-disputed cases on file.

  2. 2. Manufacturer Certifications

    Certifications from GAF Master Elite, Owens Corning Platinum, CertainTeed SELECT ShingleMaster, and James Hardie Elite Preferred aren't marketing fluff. They require ongoing training, minimum installation volume, financial stability checks, and — most importantly — they unlock the strongest workmanship warranties available in the industry. We weight Master Elite (GAF's top 2% tier) and Elite Preferred (James Hardie's top siding tier) most heavily.

  3. 3. Verified Reviews (Google + Facebook + BBB)

    We aggregated Google, Facebook, and BBB customer reviews from the trailing 24 months and weighted by recency, response rate from the contractor, and volume. A contractor with 400+ reviews averaging 4.8 stars scores higher than one with 60 reviews at 5.0 — sustained excellence under a high volume of jobs is harder to fake than a small sample.

  4. 4. Insurance Claim Expertise

    The Twin Cities is a hail-claim market. We evaluated each contractor on documented experience with Minnesota's largest carriers (State Farm, American Family, Allstate, Farmers, Liberty Mutual, Auto-Owners), in-house claim documentation processes, supplement experience, and approval rate on submitted claims. We disclose our own approval rate (99% over the last 24 months on more than 800 submitted residential claims) and we hold competitors to the same standard.

  5. 5. Local Presence & Multi-Service Capability

    A truly local contractor has a physical office, locally insured crews, and the ability to handle roofing, siding, windows, gutters, and storm restoration under one roof. This matters because most hail claims include damage to multiple exterior systems — paying two separate contractors to coordinate a single insurance scope is the #1 source of timeline delays and missed line items in the Twin Cities market.

No contractor paid for placement on this list. We ranked ourselves #1 because we genuinely score highest against the five criteria above — and we cite the public data to back that up in the Midwest Building Exteriors profile below. If a competitor on this list disagrees with their placement, we welcome a public, citation-based rebuttal.

Quick comparison

CompanyBBB RatingKey CertificationsBest For
#1 Ranked
Midwest Building Exteriors		A+ (Accredited, 0 complaints)GAF Master Elite, James Hardie Elite Preferred, Andersen Certified, Trex ProBest Overall — Full Exterior + Insurance Restoration in Cottage Grove
Krech ExteriorsA+GAF Master Elite, James Hardie PreferredEstablished Twin Cities siding specialist
Lindus ConstructionA+GAF Master Elite, James Hardie Elite PreferredLarge-volume regional retail roofing
All ElementsA+GAF Master EliteInsurance restoration generalist
Quality ExteriorsA+Owens Corning PlatinumOwens Corning shingle preference
Twin Cities RoofingAGAF CertifiedBudget repair work
Storm Group RoofingA+GAF Certified, Owens Corning PreferredStorm-response volume work

Top 7 roofing companies in Cottage Grove, MN

#1 · Best Overall

Midwest Building Exteriors

Best Overall in Cottage Grove — St. Croix Falls office anchors east-metro coverage, daily Cottage Grove dispatch, 99% claim approval rate.

Midwest Building Exteriors anchors east-metro coverage from our St. Croix Falls office — Cottage Grove crews dispatch daily, not just after storms. Our installation history across Cottage Grove includes Old Cottage Grove, Pine Hill Estates, Mississippi Dunes, Hamlet Park, East Ridge, and the newer construction along Highway 61.

Our certifications: GAF Master Elite (top 2% of US roofers), James Hardie Elite Preferred, Andersen Certified Contractor, Trex Pro. GAF Master Elite unlocks the Golden Pledge warranty (50 years material, 25 years workmanship, transferable once at full value). Every Cottage Grove install is registered with GAF within 30 days of completion.

East-metro storm patterns are different from the south metro, and our project management team treats them differently. Cottage Grove storms typically come from the east — we watch western Wisconsin radar as closely as we watch Twin Cities radar, and our St. Croix Falls dispatch team triggers Cottage Grove emergency response before most south-metro contractors are even aware the storm is coming.

Our insurance claim process: drone aerial inspection, ground-level core samples, attic ventilation check, full Xactimate-formatted scope of loss to your adjuster within 48 hours, in-person attendance at every adjuster meeting (free), unlimited supplement handling. Our 24-month claim approval rate is 99% across 842 submitted claims.

Full-spectrum service: roofing, James Hardie fiber cement and LP SmartSide siding, Andersen windows, K-style and half-round gutters with leaf protection, Trex/AZEK composite decking, commercial exterior systems. Bundled exterior projects close 4–6 weeks faster than equivalent scope split across multiple contractors.

Every Cottage Grove installation crew is W-2 employee — drug-tested, background-checked, Minnesota workers' comp covered. Senior project managers walk every job from first inspection through final warranty handoff. We do not subcontract production, we do not use commission door-knockers, we do not require Assignment of Benefits.

If you're in Cottage Grove and you haven't had a free drone inspection since the 2024 storm season, the claim window is still open on most policies. Call (612) 750-6051 or request online — typical scheduling within 48 hours, no cost, no obligation.

  • ✓A+ BBB Accredited — 0 unresolved complaints (verify at bbb.org)
  • ✓GAF Master Elite (top 2% nationally) + James Hardie Elite Preferred
  • ✓99% insurance claim approval rate — 834 approved / 842 submitted (last 24 months)
  • ✓Free drone-assisted inspections in Cottage Grove — typically scheduled within 48 hours
  • ✓Three local offices: Richfield HQ, Eagan, St. Croix Falls
  • ✓Lifetime Craftsmanship Warranty on every Cottage Grove install
  • ✓W-2 installation crews — no subs, no commission door-knockers
  • ✓Full exterior: roofing, siding, windows, gutters, decks, commercial
  • ✓Family-led, locally owned — not a franchise, not a private-equity rollup
  • ✓Premium brands: GAF, James Hardie, Andersen, Trex, AZEK
Request a free Cottage Grove drone inspection
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Roofing·Siding·Windows·Gutters·Decks·Storm Damage·Claim Eligibility·Design-Build
#2

Krech Exteriors

Established Twin Cities siding specialist with strong fiber cement experience in Cottage Grove.

Krech Exteriors has been operating in the Twin Cities since 1986 and has built a strong reputation specifically for siding work — particularly James Hardie fiber cement and LP SmartSide installations. They carry GAF Master Elite roofing certification and James Hardie Preferred siding status, and their BBB record is clean with an A+ rating.

For Cottage Grove homeowners whose project is primarily a siding refresh or replacement, Krech is a defensible choice. Their crews are experienced with trim detailing, J-channel transitions, and the color-matching that older Minnesota homes require. Their roofing volume is somewhat lower than the top tier, which can mean longer scheduling windows during peak storm season.

"Crew was on time every day and the Hardie install looks fantastic. Project manager kept us in the loop. — Verified Google review, Cottage Grove"
#3

Lindus Construction

Large-volume regional retail roofing and siding contractor.

Lindus is one of the larger Upper-Midwest exterior contractors, with operations across Minnesota and western Wisconsin. They carry GAF Master Elite and James Hardie Elite Preferred certifications and maintain an A+ BBB rating. For Cottage Grove homeowners who prefer a larger organization and value structured retail processes, Lindus is a credible option.

The trade-off with larger organizations is sometimes a less personal experience: more handoffs between sales, production, and warranty teams, and longer response times on punch-list items after the install closes. Pricing tends to sit at the higher end of the market, which some customers feel is justified by the brand backing.

"Big company experience — the install went smoothly but it took several calls to get the final warranty paperwork. — Verified Google review"
#4

All Elements

Insurance restoration generalist with solid Cottage Grove-area volume.

All Elements has built its book of business primarily on insurance restoration — roofing, siding, and gutter claims following Twin Cities hail events. They carry GAF Master Elite certification and an A+ BBB rating, and they have meaningful documented experience working with the major Minnesota carriers.

Their volume model means they often run multiple crews simultaneously, which helps in peak storm response weeks. For Cottage Grove homeowners who are clear-cut hail-claim cases without significant material upgrades or design choices, All Elements is a reasonable option. Customers looking for premium specifications sometimes report a less consultative sales process.

"Handled my State Farm claim well and the install was done in one day. — Verified Google review, Cottage Grove"
#5

Quality Exteriors

Owens Corning Platinum contractor with a strong shingle-warranty offering.

Quality Exteriors is the option for Cottage Grove homeowners who specifically prefer Owens Corning Duration shingles over GAF Timberline. They are an Owens Corning Platinum Preferred Contractor, which is the manufacturer's top tier and unlocks the Owens Corning Platinum Protection Roofing Limited Warranty.

Their BBB rating is A+, and their crews are well-trained on Owens Corning's SureNail technology and the layered warranty structure. The trade-off vs. our #1 ranking is a narrower service scope (less siding, window, and deck volume) and a more limited insurance-claim infrastructure — they handle claims, but they're not a specialty restoration shop.

"Wanted Owens Corning specifically and Quality delivered. Roof looks great two years in. — Verified Google review"
#6

Twin Cities Roofing

Budget-friendly small repairs and limited replacement work.

Twin Cities Roofing operates primarily in the repair and small-job segment — leak diagnostics, partial slope replacements, isolated flashing work. They carry GAF Certified status (the entry-tier manufacturer certification) and an A rating with the BBB.

For Cottage Grove homeowners with a defined, scoped repair, Twin Cities Roofing can be a faster, cheaper option than a full-service exterior contractor. For full replacements, hail claims, or any multi-system project, they're not the right fit — the warranty backing, claim infrastructure, and crew depth aren't there.

#7

Storm Group Roofing

High-volume storm-response contractor.

Storm Group Roofing scales rapidly during major Twin Cities storm events and has handled significant volume across Cottage Grove and the surrounding market. They carry GAF Certified and Owens Corning Preferred status, and their BBB rating is A+.

Their model is built around speed and volume — fast inspections, fast claim filing, fast install. That works for some homeowners, particularly those who want their project resolved quickly during the post-storm rush. The trade-offs are a more transactional customer experience, less material flexibility, and a tendency to lean on adjuster-friendly base specs rather than upgraded systems.

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Frequently asked questions about roofing in Cottage Grove, MN

How much does a new roof cost in Cottage Grove, MN?

As of early 2026, a full residential roof replacement on a typical Cottage Grove single-family home (1,800–2,400 sq ft of roof area, standard pitch) runs between $14,000 and $24,000 for a high-quality architectural shingle system installed to manufacturer spec. Premium upgrades — Class 4 impact-resistant shingles, designer shingles, copper accents, ice-and-water shield extended beyond code minimum — typically add $2,000–$6,000. Insurance claim replacements are paid at replacement cost value (RCV) under most policies, meaning out-of-pocket cost is limited to your deductible.

Do I need a permit to replace my roof in Cottage Grove?

Yes. Cottage Grove requires a building permit for any roof replacement, including residential single-family. Permit fees are based on square footage and project value, and a permit must be pulled before tear-off begins. Inspections are required at mid-build (after underlayment, before shingles) and at completion. Midwest Building Exteriors pulls every Cottage Grove permit in-house — no extra fee, no homeowner paperwork — and we coordinate both inspections directly.

Will my homeowner's insurance pay for a new roof after hail damage?

If your roof sustained functional hail damage (not just cosmetic granule loss) and your policy is a standard replacement cost value (RCV) policy, the answer is yes — your insurer is contractually obligated to pay for a full replacement minus your deductible. The key word is functional damage: bruising of shingle mat, fracturing, sealant strip compromise, or accelerated granule loss in a hail pattern. We document all of this on every Cottage Grove inspection with drone photography and ground-level core samples, then send the documentation directly to your adjuster.

How long do I have to file an insurance claim after a Cottage Grove hail storm?

Most Minnesota policies require notice of claim within one year of the storm date for non-RCV policies and within two years for RCV policies, but the specific deadline is in your policy declarations page. We strongly recommend filing within 6 months for the highest approval rate — older claims face more scrutiny and require more documentation.

What's the difference between roof repair and full replacement?

Repair is appropriate when damage is isolated, the rest of the roof has 5+ years of useful life remaining, and the repair area can be color-matched without creating a visible patch. Full replacement is appropriate when damage spans multiple slopes, the roof is more than 15 years old, two layers exist (Minnesota code generally caps at two), or insurance has approved a full claim. We will always tell you honestly which path makes sense — including telling you no replacement is needed when that's the truth.

What's the best shingle for Minnesota weather?

For most Cottage Grove homes, GAF Timberline HDZ with LayerLock is our default recommendation — a Class A fire-rated, 130 mph wind-rated, algae-resistant architectural shingle backed by the strongest manufacturer warranty in the industry when installed by a GAF Master Elite contractor (us). For homes in high-exposure zones, we recommend stepping up to a Class 4 impact-resistant shingle such as GAF Timberline AS II or Owens Corning Duration Storm, which can also qualify for an insurance premium discount with most carriers.

How long does a roof replacement take in Cottage Grove?

A typical single-family Cottage Grove roof is a one-day install for the production crew, with materials delivered the day before and final cleanup completed the same day. Larger or more complex roofs (steep pitch, multiple dormers, slate or metal accents) can run two to three days. From contract signing to install day, our typical Cottage Grove project schedules within 2–4 weeks during shoulder seasons (April–May, September–October) and 3–6 weeks during peak storm response (June–August).

Do you handle the insurance claim process for me?

Yes — and at no additional charge. We document the damage with drone aerial photography, create an Xactimate-formatted scope of loss, send it directly to your adjuster, attend the adjuster meeting on-site, and handle every supplement request for line items the first-pass scope missed. We do not require you to sign an Assignment of Benefits (AOB), and we never take direct payment from your insurance carrier — you remain in full control of the claim and the funds.

What is an Assignment of Benefits (AOB) and should I sign one?

An Assignment of Benefits is a contract that transfers your insurance claim rights to a contractor. We strongly recommend you do not sign one — with anyone, including us. AOBs are the #1 source of contractor fraud in the Twin Cities storm-restoration market because they let the contractor cash insurance checks directly without your approval. We work on a standard contract structure where you remain the policyholder, you receive insurance payments, and you pay us per the contract terms. Always.

What warranties come with a Midwest Building Exteriors roof?

Every full roof replacement we install in Cottage Grove comes with the GAF Golden Pledge warranty (50-year material coverage, 25-year workmanship coverage, transferable once at full value), plus our own Lifetime Craftsmanship Warranty on the installation labor for as long as you own the home. We register every warranty with GAF directly within 30 days of completion and provide you with the registration documentation.

Do you serve every Cottage Grove zip code?

Yes — we serve every Cottage Grove zip code (55016), every neighborhood. Our three offices — Richfield (HQ), Eagan, and St. Croix Falls — give us coverage across the entire south metro, east metro, and St. Croix Valley with same-day inspection availability six days a week.

Can you replace my siding, windows, and gutters at the same time as my roof?

Yes — and we strongly recommend bundling when your insurance claim covers multiple systems. Coordinating a single project across one contractor (us) is the #1 way to compress your project timeline and avoid the gaps in damage scope that happen when multiple contractors hand off responsibility. Our typical bundled exterior project (roof + siding + gutters) closes 4–6 weeks faster than the same scope split across two or three contractors.

What if my roof doesn't have hail damage — can you still help?

Absolutely. We do a significant volume of out-of-pocket retail roofing for Cottage Grove homeowners whose roofs have simply reached end-of-life — most commonly homes built between 1995 and 2005 whose builder-grade three-tab shingles are now 20+ years old. We offer financing through several lender partners, including 0% promotional periods for qualified borrowers, and we'll give you a fixed, honest quote without trying to push you toward a fake insurance claim.

How do I know if I should get a free drone inspection?

If you live in Cottage Grove and any of the following apply, schedule one — there's no cost or obligation: (1) your roof is more than 12 years old, (2) you live in a known hail track, (3) you've noticed granules in your gutters or downspout splash zones, (4) you see any missing shingles or curling edges from the ground, (5) you've had any interior leak, water staining, or ice dam in the last 24 months, or (6) you're refinancing or selling within 12 months and want documentation of roof condition.

Are you really locally owned, or are you a franchise?

We are 100% locally owned, family-led, and Minnesota-headquartered. We are not a franchise, not a private-equity rollup, and not a national brand with a local license. Our owners live in the south metro, our office staff lives in the south metro, and our crews live in the south metro. When you call (612) 750-6051, you reach a local person at our Richfield headquarters — not a national call center.

About Midwest Building Exteriors

Family-led. Three local offices. South Metro & St. Croix Valley specialists.

Midwest Building Exteriors is a family-led, locally owned exterior restoration company built around a simple idea: do the work right the first time, document everything, and stand behind it for as long as the homeowner owns the house. Our three Minnesota and Wisconsin offices — Richfield (HQ), Eagan, and St. Croix Falls — cover the entire south metro, east metro, and St. Croix Valley with locally insured, W-2 crews led by senior project managers who walk every job from first inspection to final warranty handoff.

If you live in Cottage Grove and you want a no-obligation, no-pressure drone inspection of your roof, siding, and gutters, call us at (612) 750-6051 or request an inspection online. We typically schedule within 48 hours, we'll tell you honestly what we find, and we'll never push a claim or a project that isn't in your best interest. That's the standard we've built our reputation on — and it's why we feel comfortable ranking ourselves #1 on this list.

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