North Dakota: deductible, solicitation and licensing rules for roofing contractors.

This page lists the North Dakota 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.

North Dakota, field by field.

Contractor licensing authority

North Dakota Secretary of State — contractor licence, class-based on contract value (N.D. Cent. Code § 43-07-03 per NICB compendium).

Roofing licence required

State licence

Assignment of benefits (AOB)

Verified, and unusually explicit. N.D. Cent. Code § 26.1-39.2-04 permits a post-loss assignment of rights or benefits to a residential contractor but conditions it: (1) it may name the contractor as a CO-PAYEE; (2) it must reach the insurer within 5 business days of execution; (3) it must state the contractor gave no assurance the loss will be fully covered, and must carry a capitalised 14-point notice beginning 'YOU ARE AGREEING TO ASSIGN CERTAIN RIGHTS YOU HAVE UNDER YOUR INSURANCE POLICY…'; (4) it may not impair a listed mortgagee's interest; (5) it may not stop the insurer talking to the named insured or mortgagee; (6) it must state the owner's cancellation right under § 26.1-39.2-02(1).

Contractor-adjusting prohibition

Not verified for North Dakota. This pack does not assert where North Dakota draws the line between documenting a roof and adjusting a claim. Public-adjuster licensing is issued by the insurance regulator, not the contractor board — put the question to the North Dakota Insurance Department in writing before you negotiate, interpret coverage, or advise the homeowner on what the policy owes.

Deductible rule

Verified. N.D. Cent. Code § 26.1-39.2-03: a residential contractor may not promise to rebate a portion of an insurance deductible as an inducement to sale — including granting an allowance, offering a discount against fees, or paying the insured or anyone associated with the property any compensation beyond nominal value.

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. North Dakota adds, N.D. Cent. Code § 26.1-39.2-02: the owner may cancel before midnight on the LATER of the 5th business day after entering the contract or the 5th business day after receiving written notice from the insurer that all or part of the claim is not covered; the contract must state that right; cancellation is given by signed written notice (mail is effective on deposit) and must attach the insurer's notice where applicable; within 10 days the contractor must return all payments and any note, keeping only the reasonable value of goods or services the owner agreed in writing were necessary to prevent damage. § 26.1-39.2-05 requires an itemised description of work, materials, labour and fees to the insured AND the insurer before work starts.