Minnesota roofing supplement law (2026)
Minnesota Statute §65A.10 requires carriers to repair or replace with materials of like kind and quality, including matching shingles where partial repair would create visible discontinuity.
Minnesota Statute §65A.10 requires carriers to repair or replace with materials of like kind and quality, including matching shingles where partial repair would create visible discontinuity.
Both available.
Recoverable depreciation released on completion.
2 years from date of loss for property claims under §541.051.
Licensed by Minnesota Department of Commerce.
Minnesota adopts the 2020 IRC. Ice & water shield required statewide due to climate (R905.1.2). Carriers must pay for code-mandated upgrades.
Top carriers in Minnesota
- State Farm
- American Family
- Auto-Owners
- Allstate
- Travelers
Auto-Owners and American Family pay supplements promptly.
Pro tips
- Cite §65A.10 on every matching dispute.
- Ice & water shield is mandatory statewide — always include if missing from carrier scope.
Frequently asked questions
Does Minnesota require roof matching?
Yes — Minnesota Statute §65A.10 requires repair or replacement with materials of like kind and quality, supporting matching claims.
Is ice & water shield required in Minnesota?
Yes, statewide under IRC R905.1.2 due to climate. Always include in supplement requests if missing from carrier scope.
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