Minnesota hail damage, roof claims, and roofer rules (2026)
Last updated . General information, not legal or insurance advice.
Hail is a fact of life for Minnesota roofs. Here's what the 2026 storm data shows near our service cities, and the Minnesota rules that protect homeowners who hire a roofer after a storm.
2026 hail near Minnesota cities
NOAA SPC preliminary reports, March 1 – November 3, 2026:[1]
- Minneapolis: 32 reports of 1"+ hail within 50 mi (largest 3.30")
Residential roofers are licensed
Minnesota residential roofers must hold a license from the Department of Labor and Industry, which requires a qualifying person, insurance, and a $15,000 surety bond. [2]
No deductible offers, and a 72-hour cancel right
Contractors may not offer to pay your deductible or give anything of value to get an insurance-claim job (fines up to $10,000 per violation). You can cancel the contract within 72 hours after your insurer notifies you the claim is denied. [3][4][5]
Contractor license or registration in Minnesota: MN BC809253 (Residential Building Contractor). Verify it with the Minnesota DLI license lookup (iMS). Contractor licensing details.
Before you sign anything
Get the license or registration number and proof of insurance. Get a written estimate and contract, and never sign over an insurance check.[6] Your insurer decides what's covered. A contractor can't promise it.
Rather talk to someone? Request a callback
Leave your name and number and a local roofing contractor will call you back about a free estimate and inspection. Available to homeowners in our service markets.
- A local contractor calls you. They confirm your address and a time that works.
- They inspect your roof. Free, in person, no obligation.
- You get a written price. You decide. No pressure.
Local Minnesota storm reports
Roof replacement cost in Minnesota cities
Frequently asked questions
Can a Minnesota roofer pay my deductible?
No. Minnesota law prohibits contractors from paying, waiving, or rebating your insurance deductible.
Is a free roof inspection in Minnesota really free?
Inspections requested through this site are free, with no strings attached and no obligation, for homeowners in our service markets.
Sources
- NOAA Storm Prediction Center, storm reports (preliminary). www.spc.noaa.gov/climo/reports/
- MN DLI: Roofer license. www.dli.mn.gov/business/residential-contractors/roofer-license
- Minn. Stat. 325E.66. www.revisor.mn.gov/statutes/cite/325E.66
- Minn. Stat. 326B.811. www.revisor.mn.gov/statutes/cite/326B.811
- MN DLI: Hiring a contractor for storm repair. dli.mn.gov/workers/homeowners/hiring-contractor-storm-repair
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.