Minnesota roof claim deadlines: what your insurer has to do, and by when
After a hail or wind loss the insurer is on a clock. We read the Minnesota rules (Minnesota Statutes section 72A.201 (unfair claim settlement practices)) and put each time limit in one table, with the section number so you can check it. Enter your dates to see the days that matter.
Business days skip Saturdays and Sundays only; public holidays are not subtracted, so a real deadline can be a day or two later.
Every clock in Minnesota, with its source
| Who | What has to happen | Deadline | Rule |
|---|---|---|---|
| Insurer | Acknowledge your claim and provide the claim forms and instructions it needs from you The acknowledgment must include the phone number of a company representative who can help you. The rule does not apply if the claim is settled within the 10 business days. |
10 business days | Minn. Stat. §72A.201 subd. 4(1) |
| Insurer | Finish its investigation and tell you whether the claim is accepted or denied Unless other law or the policy provides otherwise, or the investigation cannot reasonably be finished in that time. If so, it must tell you within that time why and the date it expects to finish. |
30 business days | Minn. Stat. §72A.201 subd. 4(3)(i) |
| Insurer | Tell you whether the claim is accepted or denied after you give it a properly executed proof of loss A denial must name the policy provision, condition or exclusion and be given to you in writing. |
60 business days | Minn. Stat. §72A.201 subd. 4(11) |
| Insurer | Pay an amount you and the insurer have finally agreed on in settlement Counted from the insurer receiving the signed agreement, or from your doing anything the agreement requires, whichever is later. |
5 business days | Minn. Stat. §72A.201 subd. 5(5) |
| Insurer | Warn you in writing before a statute of limitations runs out on a claim that is still unresolved (if you have no lawyer) Not required if the insurer has heard nothing from you for the two years before the limit. |
60 days before the limit | Minn. Stat. §72A.201 subd. 4(8) |
Text last checked 2026-10-06. Laws change; confirm on the linked source before you rely on a date.
Why timing matters here: hail in Minnesota
In our NOAA data for 4 covered Minnesota cities there were 111 city-days with hail of 1 inch or larger between January 2014 and June 2026, and the largest stone reported was 3.5 inches. Reports peak in Jun. After a big storm many neighbours file at once, so the first weeks are when the clock for your own claim is easiest to lose track of.
Hail reports by month, summed over the 4 covered cities (NOAA Storm Events, 2014 to June 2026). City-days can count the same storm in several cities.
What to do in the first week
- Photograph the damage and note the storm date. The hail claim checklist lists what to capture.
- Report the claim in writing (email or the insurer's portal) and save the date you sent it. That date starts the first clock.
- Keep a log of every paper you send. The "last paper" date is what starts the decision clock.
- Get a roofing inspection and estimate. Compare the number against the insurer's. Find a Minnesota roofer.
Minnesota cities we cover
| City | Roof age | Hail | Roofers |
|---|---|---|---|
| Duluth | How old are the roofs | Storm history | Roofers |
| Mankato | How old are the roofs | Storm history | Roofers |
| Rochester | How old are the roofs | Storm history | Roofers |
| St. Cloud | How old are the roofs | Storm history | Roofers |
Other states
Texas, Missouri, Iowa, Colorado, Arkansas. All states we have checked.