Minnesota roof inspection report template

Minnesota rules for this report

These rules are about how and when you report, not the template's fields. Check them before you deliver.

• 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) · 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)

What is in it

• Roof areasArea or slope, Covering, Pitch, Condition
• Roof coveringMissing, lifted, creased or cracked pieces (wind damage included), Wear for its age: granule loss, curling, cupping or blistering, Hail damage: impacts, bruising and the granule loss they cause, Fasteners, seams and earlier repairs
• Flashing and penetrationsWall, step and counter flashing, Chimney flashing and cricket, Plumbing vents, boots and other penetrations, Skylights, Valleys
• Decking, structure and atticDecking firm underfoot, no soft spots, Ridge and roof lines straight, no sagging, Attic underside: sheathing, stains, daylight, moisture, Attic and roof ventilation
• Gutters, edges and drainageGutters and downspouts attached, sloped and clear, Drip edge, fascia, soffit and rakes, Low-slope drainage: drains, scuppers, no ponding
• Signs of leaks insideCeilings and walls below the roof free of water stains, No active leaks
• Remaining lifeOnly the inspector's own estimate of remaining useful life from the notes and the reasons the notes give for it; leave empty when the notes give no estimate.

Rules last reviewed October 13, 2026. Read the full Minnesota roof inspection report requirements.