Roofing in Sioux Falls starts at the edge the wind can see. On open lots at the south and east, gusts get under starter courses and crease tabs before the field looks wrong from the street. Near the river and the older canopy, the same gust drops limbs in the valleys and then lifts whatever the impact loosened. Look at rakes, ridges, and the wall flashing against brick or quartzite. A dry bedroom does not prove the covering is intact.
Grit and twigs in the gutter are the local receipt. So is a ridge that looks bald on the windward end and a bath vent that leans. Step flashing on older houses is the leak path when rain is driven sideways after the cap lifts. Newer architectural roofs fail cleaner: an edge peels, the underlayment shows, and there is no tree to blame. Tell the truth about which house you have. A downtown-adjacent gable and a bare subdivision roof are different scopes.
A few creased tabs can be a repair. An open windward edge is not a dab of cement. Ask about tear-off, underlayment, boots, and how the ridge is fastened before anyone pulls a shingle. Soft deck near a chimney or a valley is common under older coverings once the tear-off starts. Name that possibility in the scope. Wind-driven rain will use any gap you leave at a sidewall, especially where a brick chimney breaks the slope.
Limb debris is not the roof work, and roof work is not finished if a broken branch stays in the valley. Say whether a tree is on the house. Metal flashing that was doing its job until the gust got under a counterflash still needs a look. The falls and the quartzite do not change the physics. Water runs under lifted material and shows up later in a ceiling that faced the storm.
Say the neighborhood, whether the edge lifted, and if a limb or only the wind did it. Mention a claim if one is open. Keep the deductible out of the guesswork and in your notes. That windward rake will not lie back down. Call the number on this page.