Insurance claims in Minnesota: what a roofer may and may not say, and the notice your contract needs

Published November 3, 2026 · Minnesota Statutes (2026 edition), state agency guidance and the Minneapolis, St. Paul and Bloomington codes checked November 3, 2026

• Free. The claim addendum's download links come by email.
• Deepsel is our product: free estimate, invoice and scheduling software for contractors (scheduling and dispatch, quotes, invoicing, card payments). The section before the FAQ says where it fits and where it doesn't.
• Not legal advice. Have a Minnesota attorney read the addendum before you use it.

In Minnesota you can't pay, waive or discount a homeowner's insurance deductible, or give them anything of value to sign. You also can't tell them what their policy covers or negotiate their claim unless you hold a public adjuster license. You can inspect, photograph, give your itemized estimate, meet the adjuster, point out damage they missed and send a supplement for your own work. Every insurance job needs a written deductible notice with your first estimate. On a roof, the homeowner can cancel within 72 hours after the insurer denies the claim, and that takes a bold statement and two set cancellation forms before they sign.

The first time a homeowner asks "can you take care of my deductible?", you're competing with someone who said yes. One owner put it plainly: "I've lost 3 jobs so far from companies that offer to pay the deductible."²³ In Minnesota the answer is a flat no, and a roofer who knows exactly why sounds like the one to trust. I read the statutes, the Commerce and Labor and Industry guidance, and three cities' door-to-door codes on November 3, 2026. Every rule below is quoted and linked in the Sources list.

The general contract rules (written agreement, license number, warranty, lien notice, the 3-day cancellation) are on the Minnesota residential construction contract template page. This page covers what changes when insurance pays. The claim addendum that goes with it carries every notice below in the required wording. Get it three ways: make your own copy in Google Docs (opens in your Drive), download the Word version (.docx), or download the PDF. Pick a format, enter your email and I'll send the links.

Who Minnesota's roofing claim rules cover

Four laws apply when insurance pays for the work. They don't all reach the same jobs.

The first three borrow the licensing law's definitions: "a person in the business of contracting, or offering to contract with an owner," on a building for one to four families.⁵ On my reading, the rules follow the work, not the license card, so an unlicensed storm crew is still a "residential roofer" here. A six-unit building or a store is outside them. The public adjuster law reaches every building.

If your Department of Labor and Industry number starts with IR, it's a registration, not a license. "Roofing subcontractors do not need a license but must register."⁶ So you can roof as a sub for a licensed contractor, but the moment you sign the homeowner, you need a residential roofer, building contractor or remodeler license. The Minnesota license page covers which one, and the roofer license doesn't reach gutters, soffit or fascia.

Can a roofer pay your deductible in Minnesota?

No. A residential contractor on an insurance job "shall not ... as an inducement to the sale or provision of goods or services to an insured, advertise or promise to pay, directly or indirectly, all or part of any applicable insurance deductible or offer to compensate an insured for providing any service to the insured."¹ Since 2024 the statute spells out three examples: paying the homeowner for "allowing the residential contractor to conduct an inspection," for "making an insurance claim," or for "referring the residential contractor's services to others when insurance proceeds are payable."¹

Note the words "advertise or promise." You don't have to pay anything to break it. The yard sign that says "we work with your deductible" is the violation. The statute doesn't define a rebate, but the Department of Labor and Industry reads it broadly, as "offering anything of value as encouragement to enter into a contract."²

Collecting the deductible

Invoice the full price and show the deductible as its own line. The law doesn't say how to collect it, so here's a habit worth copying from an owner: "I always collect a separate check for the deductible with deductible written in the memo line."²⁷ That paper trail answers any later question about whether you waived it. Part 4 of the addendum puts the deductible amount, its due date and the no-waiver promise in writing.

Talking to the insurer: what a Minnesota roofer may and may not do

Since 2024, 325E.66 also says you shall not "interpret policy provisions or advise an insured regarding coverages or duties under the insured's policy, or adjust a property insurance claim on behalf of the insured, unless the contractor has a license as a public adjuster under chapter 72B."¹ The Departments of Commerce and Labor and Industry drew the practical line years earlier, in a joint bulletin to contractors, and it still reads as the clearest guide.⁸

The bulletin's advice fits in one sentence: "stick to discussing with insurance adjusters only the scope of damage to a homeowner's property, and the fee that the contractor seeks for the required repair work." Avoid calling yourself the homeowner's "representative" or "agent," it says, "verbally or in their advertisements or contracts."⁸ I found no Minnesota rule against the words "insurance claim specialist" on a truck. But an ad that promises to deal with the insurer for the homeowner is advertising public adjusting.

Two more things from the bulletin. The insurer may show your bid to another contractor, and the department "will pursue enforcement action against any contractor who offers 'phantom bids'" it never meant to perform.⁸ And it's from 2010, before the 2024 wording, so its line that a contractor "may offer an opinion" on whether damage is "normally covered" is out of step. Describe the damage and stop there.

Minnesota's public adjuster license

A public adjuster is anyone who, "for compensation or any other thing of value on behalf of the insured," negotiates or settles a property claim, advertises or holds out as one, or advises an insured about a first-party claim.⁷ The license comes from the Department of Commerce and takes an exam, a $10,000 surety bond, a $50 fee and 24 hours of continuing education every two years.⁷ Acting as one without it is "unlawful," and the Commerce commissioner can fine up to $10,000 per violation and go to court for an injunction.^7,10 For a residential contractor the same conduct also breaks 325E.66, which brings in the Department of Labor and Industry (penalties below).

If a homeowner wants someone to fight the insurer for them, point them to a public adjuster, who Commerce says "can represent you to negotiate with your insurance company."⁹ Don't take a referral fee for it: public adjusters can't pay for referrals or split fees with anyone unlicensed.⁷

Roofing contingency agreements and the notices your contract needs

A contingency agreement (the homeowner agrees you'll do whatever repairs the insurer approves) is legal in Minnesota. Regulators call it a "price agreeable contract," and the 2010 bulletin "was not intended to prohibit" it.⁸ The trouble is how it's presented. The Department of Labor and Industry warns homeowners that "'Authorization forms' are contracts," sometimes with a cancellation fee of "15 to 50 percent" of the claim in the small print.¹⁷ The Attorney General says a reputable contractor won't "require you to sign anything to inspect your property or to provide you with a repair estimate,"¹⁶ and the department "has taken enforcement action against several contractors for these types of misrepresentations."⁸ Inspect for free, and call the contract a contract.

Here's what a Minnesota claim contract has to carry:

1. The written contract itself. A licensed contractor's estimates and contracts must be in writing with a detailed summary of the work, the materials and the price or how it's calculated, signed by both of you, with your license number. That's on the contract template page.
2. A good-faith itemized estimate. You may not give the homeowner "an agreement authorizing repairs without also providing a good faith estimate of the itemized and detailed cost of services and materials."¹ A form that says "per insurance scope" and nothing else doesn't meet it. An insurance company's claims executive on the state's 2026 property insurance task force wrote exactly that about such contracts: "this is something that does not meet current statute."²¹
3. The deductible notice. You "must provide a written notification of the requirements of this section with its initial estimate."¹ The statute sets no wording and no type size. The department suggests this paragraph, accepts it in the contract or on a separate sheet, and says the initial estimate "also includes price agreeable contracts":²

"State law (Minn. Stat. § 325E.66) prohibits contractors from offering to pay a customer's insurance deductible or offering anything of value as an inducement to enter into a contract for home repairs that are to be paid for as a part of an insurance claim. Contractors who make such an offer are subject to public enforcement action by the Minnesota Department of Labor and Industry, including fines of up to $10,000 per violation."

The insurer owes the homeowner the same kind of notice "in the initial estimate relating to the claim," so they'll likely see it twice.¹

4. On roofing, the 72-hour cancellation statement and two forms. "Before entering" the contract you give the homeowner a statement "in boldface type of a minimum size of ten points," and two completed copies of a form captioned NOTICE OF CANCELLATION, "attached to the contract and easily detachable," also bold and at least 10 points.³ The statement reads:

"You may cancel this contract at any time within 72 hours after you have been notified that your insurer has denied your claim to pay for the goods and services to be provided under this contract. See attached notice of cancellation form for an explanation of this right."

And the form, with your company name and business address filled in (Appendix A of the addendum has two copies):³

"NOTICE OF CANCELLATION
If your insurer denies your claim to pay for goods and services to be provided under this contract, you may cancel the contract by mailing or delivering a signed and dated copy of this cancellation notice or any other written notice to (name of contractor) at (address of contractor's place of business) at any time within 72 hours after you have been notified that your claim has been denied. If you cancel, any payments made by you under the contract will be returned within ten business days following receipt by the contractor of your cancellation notice.
I HEREBY CANCEL THIS TRANSACTION.
(date)
(Insured's signature)"

The rules behind it:³

• The clock starts when "the insured has been notified by the insurer that the claim has been denied." That can be weeks after signing.
• Any written notice works, and a mailed one counts "upon deposit in a mailbox."
• You return the homeowner's payments, and any note they signed, "Within ten days." The form itself says "ten business days"; meet the shorter one.
• "If the contractor has performed any emergency services, the contractor is entitled to compensation for such services." Write the tarp and its price into the contract and get the owner's initials.
• The statute only covers a claim that "has been denied." It says nothing about a claim the insurer approves in part. The addendum offers an optional 72-hour cancel for partial approvals; ask your attorney whether you want it.

When to take money on a claim job

Minnesota doesn't ban a deposit before the insurer decides. I read 325E.66, 326B.811 and 325E.67 and found no such rule, and the contract page found no deposit cap anywhere in Minnesota law. But think about what a cancellation costs you. If the claim is denied, every payment goes back within 10 days. If you sold the job at the home and the owner cancels within the three days, you get nothing for work you did before they cancelled (see the contract page). So I'd do only the emergency work, priced and initialed, and take no deposit and order no shingles until the insurer's written decision is in and any 3-day period is over. Section 6.5 of the addendum says so.

Assignment of benefits: co-payee only

Minnesota allows a post-loss assignment of insurance benefits to a residential contractor, with strict limits.⁴

• It may "only authorize a residential contractor to be named as a copayee," nothing more.
• It must carry the itemized work, materials, labor, fees and total, and a statement that you made "no assurances that the claimed loss is fully covered."
• The homeowner gets ten business days to cancel.
• You deliver it to the insurer "within five business days."
• It can't impair the mortgage company's interest or stop the insurer from talking to the homeowner.

It also needs two notices "in capitalized 14-point type," the second "in the immediate proximity" of the named insured's signature:⁴

"YOU ARE AGREEING TO ASSIGN CERTAIN RIGHTS YOU HAVE UNDER YOUR INSURANCE POLICY. THE ITEMIZED DESCRIPTION OF THE WORK PERFORMED, AS SET FORTH IN THIS ASSIGNMENT FORM, HAS NOT BEEN AGREED TO BY THE INSURER. PLEASE READ AND UNDERSTAND THIS DOCUMENT BEFORE SIGNING. THE INSURER MAY ONLY PAY FOR THE REASONABLE COST TO REPAIR OR REPLACE DAMAGED PROPERTY CAUSED BY A COVERED PERIL, SUBJECT TO THE TERMS OF THE POLICY."

"YOU MAY CANCEL THIS ASSIGNMENT WITHOUT PENALTY WITHIN TEN (10) BUSINESS DAYS FROM THE LATER OF THE DATE THE ASSIGNMENT IS EXECUTED OR THE DATE ON WHICH YOU RECEIVE A COPY OF THE EXECUTED ASSIGNMENT. YOU MUST CANCEL THE ASSIGNMENT IN WRITING AND THE CANCELLATION MUST BE DELIVERED TO [insert the name and address of residential contractor as provided by the residential contractor]. IF MAILED, THE CANCELLATION MUST BE POSTMARKED ON OR BEFORE THE TEN (10) BUSINESS DAY DEADLINE. IF YOU CANCEL THIS ASSIGNMENT, THE RESIDENTIAL CONTRACTOR HAS UP TO TEN (10) BUSINESS DAYS TO RETURN ANY PAYMENTS OR DEPOSITS YOU HAVE MADE."

One wrinkle for your attorney: the statute's own cancel rule counts the ten business days from when the insurer receives the scope of work, while this notice counts from signing. Appendix B of the addendum gives the homeowner whichever ends later. Most small roofers don't need an assignment at all, and the addendum says plainly that it assigns nothing.

Door knocking, ads and storm rules in Minnesota

I found no state license for door-to-door reps, but cities have their own rules, and a job you sell at the door brings in the 3-day cancellation rule on the contract page. Insurers notice the door knocking. An insurance company's claims executive on the 2026 task force described a June 2025 storm west of the metro: "At 8:54 PM that night, my doorbell rang and it was a storm chaser asking to inspect my roof. In the dark." The next day, "17 different storm chasers rang my doorbell."²¹

On ads: your license number has to be on all of them, trucks, yard signs and websites included.²² Leave off anything about deductibles, and anything promising to handle the claim for the homeowner.

After a hailstorm: Minnesota's storm pricing rule

Roofers who learned claims in another state may not expect this one. When a storm meets the National Weather Service's severe thunderstorm criteria (hail at least 1 inch, winds of at least 58 mph, or a tornado),¹⁵ a residential building contractor "operating within the geographic region impacted by the weather event and repairing damage caused by the weather event" shall not "charge an insurance company a rate that exceeds what the residential building contractor ... would otherwise charge a member of the general public," or charge "an unconscionably excessive price for labor."¹⁴ The Attorney General enforces it.¹⁴

The statute names residential building contractors, tree trimmers and restoration companies, not "residential roofer," and doesn't define its terms. I can't tell you whether a roofer-only license is inside it, so I'd price as if it is: one price list, insurance or cash. A second rule kicks in only when the governor declares an "abnormal market disruption": no unconscionably excessive prices on essential goods and services, "construction materials" included, at up to $1,000 per sale and $25,000 a day.¹⁴

What happens if you break these rules

• The Department of Labor and Industry. 325E.66 and chapter 326B (which holds the 72-hour cancel) are both "applicable law" for the department. It can order you to stop, fine you "up to $10,000 for each violation," and deny, suspend or revoke your license. Breaking an applicable law is also a misdemeanor.¹¹
• The insurer. After a 325E.66 violation, the insurer "shall not be obligated to consider the estimate prepared by the residential contractor."¹ That can sink the job on its own.
• A lawsuit. The homeowner or the insurer can sue you for the damages your violation caused them.¹
• The Department of Commerce, for adjusting without a license: up to $10,000 per violation and an injunction.^7,10
• The Attorney General. A false promise or misrepresentation in a sale is consumer fraud. The Attorney General can seek a civil penalty of up to $25,000, and the homeowner can sue for damages plus attorney fees.¹² The storm pricing rule is the Attorney General's too.¹⁴
• Criminal charges. Padding or disguising a claim to cover a deductible means giving the insurer false information. Minnesota's insurance fraud statute sentences that like theft, scaled to the amount, plus restitution.¹³

One difference from Nebraska: Minnesota's statute doesn't void the contract when you break 325E.66. The risk is the fine, the license, the lawsuit and an insurer that ignores your estimate.

Your next claim job in Minnesota: a checklist

1. At the door or on the phone, when they ask about the deductible, say something like: "No. Minnesota law doesn't let me pay it, waive it or give you anything to make up for it, and the fine is up to $10,000 each time. What I can do is give you an honest price and do the job right. Your deductible is the part you pay me; your insurance pays the rest of what it covers."
2. If they ask what's covered, say: "That's between you and your insurance company. Call your agent or the claims line. I'll show you what I found on the roof."
3. Inspect without a signature. No authorization form. Photograph every slope and elevation, close-ups of the damage with something for scale, and the vents, flashing, gutters and soft metals. Date the photos and give the homeowner copies.
4. Write the itemized estimate from your own measurements, at your normal prices, with the deductible notice on it. That's your initial estimate under the law.
5. Before they sign a roofing contract, hand over the bold 72-hour statement and two filled-in Notices of Cancellation (Appendix A). If you're at their home, the 3-day cancellation paperwork from the main contract too.
6. Do only emergency work until the insurer decides. Price the tarp and get it initialed.
7. At the adjuster meeting, go as the contractor. Show the damage, explain your scope, answer questions. Don't argue coverage or say you represent the homeowner.
8. Send supplements for your own work, with photos, when you find damage the insurer's scope missed. Copy the homeowner.
9. Collect the deductible as its own line on the invoice, by a separate check or payment marked "deductible."
10. If the claim is denied after signing, tell the homeowner in writing that they can cancel within 72 hours. If they do, refund within 10 days, less the emergency work. If they don't, a fixed-price contract stands at your price; under the addendum's insurance-approved price, it ends unless they choose in writing to go ahead at your price. Either way, offer the retail options (a repair, a smaller scope) in writing.

Retail or claim work?

Claim work looks like easy volume, and plenty of new owners want in: "Just been working with builders and new construction and wanted to start working with insurance companies. But I have no idea how start or how the process goes."²⁴ The time cost is real: "Some of these claims can end up being upwards of 10 or 20 hours of time spent getting it approved."²⁵ When we read what new and small roofing owners say they actually do, retail outnumbered storm work 16 to 5. Yet 8 of the 18 roofing company websites we could read from our own contact list advertise insurance or storm work, including in Minnesota. An owner who does both still steers new roofers one way: "Honestly I do about half retail and half insurance. In my opinion retail is the way to go as much as you can."²⁶

Minnesota adds one more reason. In storm markets, owners report insurers paying more per square than retail customers will: "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square," wrote an owner in Colorado Springs.²⁸ After a severe thunderstorm in Minnesota, a residential building contractor can't keep that gap. If you take claims, take them as retail jobs with more paperwork: same prices, an itemized estimate, the notices, and no promises about the deductible or the policy.

The Minnesota insurance claim addendum

It attaches to your main contract and covers the insurance side of the job. Page 1 collects your license number, the insurer, policy and claim numbers, the adjuster and the mortgage company. Then:

• Parts 1 to 3: whose claim it is, the 325E.66 notice in a bold box, and your itemized estimate (example rows to replace) at your cash-customer prices.
• Part 4: the price (fixed, or insurance-approved but never above your estimate), the deductible line and no-waiver promise, and a payment schedule that waits for the insurer.
• Parts 5 to 7: what you will and won't do with the insurer, the 72-hour cancel with the emergency work initialed, and no assignment of benefits.
• Signatures with the bold 326B.811 statement. Appendix A: two detachable Notices of Cancellation, word for word. Appendix B: an optional co-payee assignment with both 14-point notices. Appendix C: notes for you, to remove before the owner gets it.

Download it: copy it into Google Docs, get the Word file, or the PDF.

More for new roofing companies

• Roofing price per square: what to charge, crew pay and your real margin, with a free rate sheet.
• Roofing estimate template and checklist: every line from tear-off to dump fee, with a free spreadsheet and roof sheet.
• Roofing contract template: the decking and extra-layer clauses that stop you eating the cost.
• Roofing insurance and workers comp: what it costs in your state, the official comp rates and what can sink you, with a free checklist.
• Your roofing license, whether gutters and siding are included, and your first 30 days: Louisiana, Massachusetts, Minnesota, Utah, Virginia.

Where Deepsel fits

Deepsel is free estimate, invoice and scheduling software for contractors. It has no insurance claim tools: no claim number or adjuster fields, no supplement tracking, no roof measurements. What helps here: price book items take a free-text unit and quote lines take decimal quantities, so 28.5 squares of tear-off is a normal line on an itemized quote. A shop-wide terms text you set once is copied onto every quote and shows under "Terms" on the customer's quote page, so the 325E.66 notice rides along on every estimate. The customer approves and signs on screen. Photos you attach to the estimate or job stay internal and don't show on the customer's quote page, so send copies yourself. The bold 72-hour statement and the two cancellation forms still go on paper, before the signature. Free covers 30 estimates and 30 invoices a month for your whole team, with scheduling and dispatch, quotes, invoicing, card payments, and customer and equipment records; Pro is $29 a month with unlimited estimates and invoices (pricing).

Frequently asked questions

Is it illegal for a roofer to pay your deductible in Minnesota?

Yes. Minnesota Statutes 325E.66 says a residential roofer, building contractor or remodeler doing insurance-paid repairs shall not advertise or promise to pay, directly or indirectly, all or part of the homeowner's deductible, or pay the homeowner for letting them inspect, filing a claim or referring others. The Department of Labor and Industry reads it to cover anything of value offered to win the job, so a discount, gift card, free upgrade or sign fee counts too. The department can fine up to $10,000 per violation, and the insurer doesn't have to consider your estimate.

Do roofers handle insurance claims in Minnesota?

They can help with the roof side of it. A Minnesota roofer may inspect and photograph the damage, give an itemized estimate for the insurer, meet the adjuster, answer the adjuster's questions and send a supplement for damage the adjuster missed. Without a public adjuster license, a roofer can't interpret the policy, advise the homeowner about coverage, or negotiate the settlement for them.

What should a roofer not say to the insurance adjuster?

Don't say you represent the homeowner, that you're adjusting their claim, or that the policy covers something. Minnesota's Departments of Commerce and Labor and Industry told contractors to stick to the scope of the damage and the price of their own work. Talk about what you found on the roof, how you'd fix it and what your line items cost.

Do I need a public adjuster license to deal with the insurance company in Minnesota?

Not to give your estimate, meet the adjuster or negotiate the scope and price of your own work, supplements included. You need one to negotiate or settle the claim for the homeowner, or to advertise that you will. A roofing company can't really take that route: a Minnesota public adjuster may not have any interest in a construction firm, and the Department of Commerce says you can't wear both hats on the same claim.

Is a roofing contingency agreement legal in Minnesota?

Yes. Minnesota regulators call it a price agreeable contract and have said they don't prohibit it. It has to be a real written contract, and the homeowner has to know it's one. It must come with your good-faith itemized estimate and the written deductible notice, and on roofing work the homeowner gets a bold 72-hour cancellation statement and two cancellation forms before signing. A form that only says you'll do the work at whatever price the insurer approves, with no estimate, doesn't meet the law.

Can a homeowner cancel a roofing contract in Minnesota if insurance denies the claim?

Yes. Under Minnesota Statutes 326B.811 the homeowner can cancel within 72 hours after the insurer tells them the claim has been denied, by any written notice. You return their payments within 10 days, but you can keep pay for emergency services such as a tarp. The statute doesn't address a claim that's only partly approved.

What can a roofer do for a customer who can't pay their deductible?

You can't pay it, waive it or make it up to them with a discount or upgrade. You can quote a smaller scope, a repair instead of a replacement, or upgrades priced separately so the owner can drop them. Minnesota's law doesn't say whether in-house payment terms on the deductible count as something of value, so ask your attorney before you offer them.

Is there a Google Docs, Word or PDF version of the addendum?

All three, free. The Google Docs link makes a copy in your own Drive, the .docx opens in Word, and the PDF prints as is. The bold cancellation statement, the two detachable Notice of Cancellation forms and the 14-point assignment notices keep their formatting in every version.

Sources

1. Minnesota Statutes 325E.66, Insurance claims for residential contracting goods and services: subdivision 1(a)(1) (no promise to pay "directly or indirectly" any deductible, or compensation for an inspection, a claim or referrals), (a)(2) ("a good faith estimate of the itemized and detailed cost of services and materials"), (a)(3) (no interpreting policies, advising on coverage or duties, or adjusting without a public adjuster license), (b) (insurer need not consider the estimate; contractor's notice "with its initial estimate"; insurer's notice "in the initial estimate"), (c) (definitions by reference to 326B.802); subdivision 2 (private action by the insured or insurer); subdivision 3 (enforced by the commissioner of labor and industry). Clauses (a)(1)(i) to (iii), (a)(2) and (a)(3) were added by Laws 2024, chapter 114, article 1, section 14. revisor.mn.gov, 2026 Minnesota Statutes, and Laws 2024, ch. 114, read November 3, 2026.
2. Minnesota Department of Labor and Industry, "Contractors and insurance deductibles": the law covers "offering anything of value as encouragement to enter into a contract"; "The 'initial estimate' also includes price agreeable contracts"; the notice "can be included in the contract document or provided to the customer as a separate document"; suggested wording. dli.mn.gov, read November 3, 2026.
3. Minnesota Statutes 326B.811, Residential roofing contract; right to cancel: subdivision 1 (cancel "within 72 hours after the insured has been notified by the insurer that the claim has been denied"; any written notice; effective on mailing), subdivision 2 (bold statement of at least 10 points and a completed NOTICE OF CANCELLATION in duplicate, attached and easily detachable, before entering the contract), subdivision 3 (payments returned "Within ten days"; compensation for emergency services), subdivision 4 (applies to residential roofers and to building contractors and remodelers providing roofing services). revisor.mn.gov, read November 3, 2026.
4. Minnesota Statutes 325E.67, Post-loss assignment of benefits: co-payee only; itemized description and total; no-assurances statement; the two capitalized 14-point notices; ten business days to cancel; delivery to the insurer within five business days; mortgagee and insurer contact protected. Enacted by Laws 2023, chapter 57. revisor.mn.gov, read November 3, 2026.
5. Minnesota Statutes 326B.802, subdivisions 11 to 14 (residential building contractor, residential remodeler, residential real estate "for habitation by one to four families," and residential roofer, "a person in the business of contracting, or offering to contract with an owner," for roof coverings, sheathing, weatherproofing and repair). revisor.mn.gov, read November 3, 2026.
6. Minnesota Department of Labor and Industry, "Who needs a roofer license?": "Roofing subcontractors do not need a license but must register through the Contractor Registration Program"; roofers who install gutters, downspouts, soffit or fascia need a building contractor or remodeler license. dli.mn.gov, read November 3, 2026.
7. Minnesota Statutes chapter 72B, Insurance adjusters: 72B.02, subdivision 6 (public adjuster definition), 72B.03, subdivisions 1 and 3 (license required; acting unlicensed is "unlawful"), 72B.041, subdivisions 3, 4 and 9 ($10,000 bond, exam, $50 fee), 72B.045 (24 hours of continuing education), 72B.135, subdivision 4 (no paying for referrals, no fee splitting with unlicensed people, no "interest directly or indirectly in a construction firm"). revisor.mn.gov, read November 3, 2026.
8. Minnesota Departments of Commerce and Labor and Industry, Bulletin 2010-4, "Public adjusting relative to storm damage and general roofing repair" (September 17, 2010), with "Bulletin 2010-4 FAQs": what a contractor may do; "A contractor who asks an insured to sign a power of attorney ... may be acting as a public adjuster"; price agreeable contracts not prohibited; contractors should "stick to discussing with insurance adjusters only the scope of damage ... and the fee"; may negotiate "the scope and terms of that contractor's bid including any supplementals"; "you can't wear both hats for the same claim"; "phantom bids." mn.gov (PDF). The mn.gov file sits behind a bot check, so I read the archived copy on November 3, 2026.
9. Minnesota Department of Commerce, "Public Adjusters" (public adjusters "can represent you to negotiate with your insurance company"; "typically paid a percentage of you final insurance settlement"), mn.gov, and "Tips for Residential Property Owners and Renters on Filing an Insurance Claim," mn.gov. Both read November 3, 2026.
10. Minnesota Statutes 45.027, subdivisions 5 (injunctions) and 6 (Commerce civil penalty "not to exceed $10,000 per violation"). revisor.mn.gov, read November 3, 2026.
11. Minnesota Statutes 326B.081, subdivision 3 ("applicable law" includes 325E.66 and chapter 326B), and 326B.082, subdivisions 7 ("a monetary penalty of up to $10,000 for each violation of applicable law"), 11 (license denial, suspension, revocation) and 16 (misdemeanor). 326B.081, 326B.082, revisor.mn.gov, read November 3, 2026.
12. Minnesota Statutes 325F.69, subdivision 1 (fraud, false promise or misrepresentation "in connection with the sale of any merchandise"), and 8.31, subdivisions 1, 3 (civil penalty up to $25,000) and 3a (private damages, costs and attorney fees). 325F.69, 8.31, revisor.mn.gov, read November 3, 2026.
13. Minnesota Statutes 609.611, insurance fraud: subdivision 1(a) (presenting or preparing claim information with "a false representation as to any material fact," with intent to defraud) and subdivision 3 (sentenced under the theft statute by value, plus restitution). revisor.mn.gov, read November 3, 2026.
14. Minnesota Statutes 325E.80, price gouging: subdivision 5 (after a NOAA-criteria severe thunderstorm, a residential building contractor repairing that storm's damage may not charge an unconscionably excessive labor price or "charge an insurance company a rate that exceeds what [it] would otherwise charge a member of the general public"), subdivisions 2, 4 and 6 (after a governor's abnormal market disruption declaration; "construction materials"; $1,000 per sale, $25,000 a day), subdivision 7 (Attorney General enforces; no private action). Laws 2023, chapter 57, amended by Laws 2024, chapter 114. revisor.mn.gov, read November 3, 2026.
15. National Weather Service, Binghamton office, "Severe Weather Definitions": a severe thunderstorm "produces a tornado, winds of at least 58 mph ... and/or hail at least 1" in diameter." weather.gov, read November 3, 2026.
16. Minnesota Attorney General, "Home Building and Remodeling," chapter 1: authorization forms that turn out to be contracts; "A reputable contractor should not offer to pay your insurance deductible (which is against the law in Minnesota), ask you to sign a 'blank' contract, or require you to sign anything to inspect your property or to provide you with a repair estimate." ag.state.mn.us, read November 3, 2026.
17. Minnesota Department of Labor and Industry, "Tips for hiring a contractor": "'Authorization forms' are contracts"; cancellation clauses of "15 to 50 percent" of the claim settlement; red flags including contractors who "offer to pay your deductible or offer discounts or other rewards for hiring them." dli.mn.gov, read November 3, 2026.
18. Minneapolis Code of Ordinances, chapter 332, Solicitors, peddlers and transient merchants: 332.70 (registration, photo ID "upon a lanyard"), 332.80 (no business "before 8:00 a.m. or after 9:00 p.m. or sunset, whichever is later"; no "false or misleading statements"), 332.90 (exclusion by placard), municode.com (version of September 11, 2026); City of Minneapolis, "Solicitor license" ("We do not charge a fee to register"), minneapolismn.gov. Both read November 3, 2026.
19. Saint Paul Legislative Code, chapter 345, Peddlers, solicitors and transient merchants: 345.01 (applies to solicitors who take "payment or deposit of money in advance of final delivery"), 345.02 (license; "other than a solicitor doing business by appointment"), 345.06 (badge), 345.09 ($1,000 bond), 345.11 ("NO SOLICITORS" cards). municode.com (version of August 21, 2026), read November 3, 2026.
20. City of Bloomington, "Solicitors in Bloomington" and "Know the code: Door-to-door solicitors" (June 30, 2026): city license and identification card; "Solicitors must operate between 9 a.m. and 9 p.m."; no entry where "No Solicitation" is posted. bloomingtonmn.gov and bloomingtonmn.gov, read November 3, 2026.
21. Task Force on Homeowners and Commercial Property Insurance, Final Report to the Minnesota Legislature, February 13, 2026: seven recommendations, none on contractors or assignments; Appendix D letter from a task force member, an insurance company claims executive, on storm chasers and "per insurance scope" contracts. lrl.mn.gov (PDF), read November 3, 2026.
22. Minnesota Statutes 326B.87: license numbers in all advertising, "including but not limited to signs, vehicles, business cards, published display ads, flyers, brochures, websites, and Internet ads." revisor.mn.gov, read November 3, 2026.
23. r/Roofing post (archived): "I've lost 3 jobs so far from companies that offer to pay the deductible." reddit.com, August 4, 2025.
24. r/Roofing post: "Just been working with builders and new construction and wanted to start working with insurance companies. But I have no idea how start or how the process goes." reddit.com, October 6, 2025.
25. r/Roofing comment: "Some of these claims can end up being upwards of 10 or 20 hours of time spent getting it approved." reddit.com, February 11, 2026.
26. Reddit comment: "Honestly I do about half retail and half insurance. In my opinion retail is the way to go as much as you can." reddit.com, June 5, 2025.
27. Reddit comment: "I always collect a separate check for the deductible with deductible written in the memo line." reddit.com, August 6, 2024.
28. r/Roofing comment, Colorado Springs: "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square." reddit.com, August 13, 2024.