LOCAL RULES

Minnesota roof inspection report requirements

Your Minnesota roof inspection report has 2 rules to meet. ReportDraft puts every one on your checklist and checks your draft before you sign.

  • No interpretation of the client's insurance coverage in the report
  • Written notice of Minn. Stat. 325E.66 sent with the first estimate
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Minnesota is one of the states that wrote storm repair rules straight into its consumer protection law. A roofer's inspection and estimate paid from an insurance claim have to stay out of coverage questions, travel with a written notice of the law, and never come with a deductible deal. Here is each rule with a link to the official statute, and what a Minnesota roof report should do.

Last reviewed October 13, 2026 against the official sources listed below.

Roof inspectionMINNESOTA / SAMPLE

Sample notes, 125 words

Client: Maria Delgado
2215 Palmetto Ave
Date: 10/07/2026 9am, sunny, roof dry
Inspector: Kevin Brandt
License: RC-29117
...
FREE PREVIEW OF THESE NOTES
92%of your draft is ready from these notes

We sorted 15 items into 7 sections and flagged 2 to fix soon.

  • Fix soonFlashing and penetrations

    Plumbing vent boot on rear slope cracked

  • Fix soonGutters, edges and drainage

    Gutters full of leaves at the back, downspout extension missing at the left corner

  • Worth watchingRoof covering

    Light granule loss, no exposed mat

2 Minnesota rules on your checklist, including no interpretation of the client's insurance coverage in the report.

Still to add

  • NeededRoof covering type

Filled in for you

Client nameMaria Delgado
Property address2215 Palmetto Ave
Inspection dateOct 7, 2026
Inspector nameKevin Brandt
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What Minnesota requires

  • A residential roofer, building contractor or remodeler paid from insurance proceeds may not interpret policy provisions, advise the insured about coverages or duties under the policy, or adjust the claim for the insured, unless licensed as a public adjusterMinn. Stat. 325E.66, subd. 1 (a) (3), (c) (2025)
  • The contractor gives the insured written notification of the requirements of Minn. Stat. 325E.66 with its initial estimate; if the contractor breaks the section, the insurer need not consider the contractor's estimate, and the insured or insurer may sue for resulting damagesMinn. Stat. 325E.66, subd. 1 (b), subd. 2 (2025)
  • To win the job, the contractor may not advertise or promise to pay any part of the insurance deductible, or offer the insured compensation for any service, including for allowing an inspection, making a claim, or referring others; and any agreement authorizing repairs comes with a good faith, itemized and detailed estimate of services and materialsMinn. Stat. 325E.66, subd. 1 (a) (1), (2) (2025)
  • An insured who signs a roofing contract to be paid from insurance proceeds may cancel it within 72 hours after the insurer says the claim is denied. Before signing, the contractor provides a bold statement of this right (at least 10 point) and a detachable notice of cancellation form in duplicate; after a cancellation, payments are returned within ten days, except pay for emergency services already doneMinn. Stat. 326B.811 (2025)
  • Every proposal, estimate, bid, contract and change order between a licensed contractor and a customer is in writing, with a detailed summary of the services, the specific materials or standard features, and the total price or how it will be calculated; written performance guidelines come first, agreements are signed and dated by both, and the customer gets a signed copy freeMinn. Stat. 326B.809 (2025)
  • A person in the business of residential roofing (roof coverings, sheathing, weatherproofing and insulation, and repair of roof systems on homes) is licensed by the commissioner of labor and industry as a residential roofer, residential building contractor or residential remodeler, subject to the exemptions listed in the lawMinn. Stat. 326B.805, subds. 1, 6 (2025) ยท Minn. Stat. 326B.802, subd. 14 (2025)
  • A post-loss assignment of insurance benefits to a residential contractor may only name the contractor as a copayee, itemizes the work, materials, labor, fees and total, states that the contractor made no assurance the loss is covered, carries the law's capitalized 14-point notices, can be canceled within ten business days, and is delivered to the insurer within five business daysMinn. Stat. 325E.67 (2025)

Roof reports for insurance claims

A residential roofer, builder or remodeler whose work will be paid from insurance may not interpret the policy, tell the owner what is covered, or adjust the claim unless it holds a public adjuster license. The roof report describes the damage; coverage is between the owner and the insurer.

The first estimate goes out with a written notification of these rules. If a contractor breaks them, the insurer does not have to consider its estimate, and the owner or the insurer can sue. Any agreement authorizing repairs comes with a good faith, itemized estimate, and no one may promise to cover the deductible or pay the owner for allowing an inspection, filing a claim or referring neighbors.

Contracts, cancellation and licensing

Estimates and contracts are written, detailed and signed, with performance guidelines first. A homeowner who signs a roofing contract that depends on the claim can cancel within 72 hours of hearing the claim was denied, using the bold notice and detachable form the contractor must provide, and gets payments back within ten days. Assignments of insurance benefits to a contractor follow their own rules, including a ten business day cancel right. Residential roofers are licensed by the Department of Labor and Industry, with the exemptions the law lists.

Common mistakes

  • Telling the homeowner in the report that the insurer should pay for a full replacement.
  • Sending the first estimate without the written notice of Minn. Stat. 325E.66.
  • A repair agreement with no itemized estimate attached.
  • Leaving out the bold 72-hour cancel statement and the notice of cancellation form.
  • Offering a gift card or discount for letting the roofer inspect or file a claim.

Sources

Last reviewed October 13, 2026. Next review due January 13, 2027. This page explains published rules to help you write your report. It is not legal advice; the official text linked above governs.