Minnesota: deductible, solicitation and licensing rules for roofing contractors.

This page lists the Minnesota rules that decide how a roofing contractor may work an insurance claim and canvass a storm-hit neighborhood: who licenses contractors, whether a roofing licence is required, where the state stands on assignment of benefits, whether contractors are barred from acting as adjusters, what the deductible and matching rules are, and what door-to-door solicitation and rescission rights apply.

It is built for owners of residential roofing companies working storm and retail jobs. Every entry is a snapshot of what the cited source published on the verification date; it is a research starting point for your own confirmation, not legal or insurance advice.

Minnesota, field by field.

Contractor licensing authority

Minnesota Department of Labor and Industry — residential roofer licence. Minn. Stat. § 325E.66, subd. 1(c) (checked at revisor.mn.gov) defines 'residential contractor' by reference to the residential roofer definition at § 326B.802 subd. 14, which is the licensing chapter.

Roofing licence required

State licence

Assignment of benefits (AOB)

Not verified. No Minnesota assignment-of-benefits statute was located in this pass. That is not the same as 'AOB is fine here' — whether a post-loss assignment binds the carrier normally turns on the policy's anti-assignment wording and on state case law. Do not take an AOB on the strength of this row.

Contractor-adjusting prohibition

Verified. Minn. Stat. § 325E.66 subd. 1(a)(3): a residential contractor paid from property or casualty insurance proceeds 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.' Subd. 1(b): violate it and the insurer is not obliged to consider your estimate. Subd. 2 gives the insured OR the insurer a private right of action against you; subd. 3 puts enforcement with the Commissioner of Labor and Industry.

Deductible rule

Verified. Minn. Stat. § 325E.66 subd. 1(a)(1): no advertising or promising to pay, directly or indirectly, all or part of any applicable deductible, and no compensating an insured for a service — expressly including paying for access to inspect, for making a claim, or for referrals when insurance proceeds are payable. Subd. 1(a)(2) separately requires a good-faith itemised estimate alongside any authorisation to repair.

Matching rule

No state matching statute or regulation identified. [SECONDARY: MWL 50-state matching chart, last updated 2022-01-13.] Read that as 'none found in a 2022 compilation', not as 'none exists'. Matching may still be owed under your policy's own loss-settlement wording — that is a policy question, and it is the homeowner's policy, not yours.

Solicitation / rescission

Federal floor: FTC Cooling-Off Rule, 16 C.F.R. §§ 429.0–429.1 — a door-to-door sale of $25 or more agreed at the buyer's home carries a 3-business-day right to cancel, with a narrow exemption where the buyer initiated the call for emergency repairs and signs a dated waiver. Checked at law.cornell.edu, 2026-08-15. State law can add to this floor; it cannot take it away. [SECONDARY] Minn. Stat. § 326B.811: a person contracting with a residential building contractor, remodeler or roofer for goods and services to be paid from insurance proceeds may cancel within 72 hours after the insurer notifies the insured that the claim is denied. [SECONDARY] NICB 'State Roofing Contractor Laws Compendium' (undated; retrieved from lcc.mn.gov 2026-08-15). Citation not checked against the primary text this pass — and the compendium is provably stale in at least one place (it shows the Illinois roofing act repealing 2026-01-01, which P.A. 104-0427 pushed to 2031). Treat every citation from it as a lead, not an answer. Note also that § 325E.66 subd. 1(b) requires you to hand over written notice of the section's requirements with your initial estimate.