04/14/2026
After a storm rolls through, you’ll start seeing contractors knocking on doors. Choosing your contractor is one of the biggest decisions that you need to make. Take your time and choose local!
🚩 Watch for these red flags:
• “Sign this so I can talk to your insurance company”
• “Here’s a list of your neighbors we’ve signed up”
• “You have damage”—before they’ve even inspected your home
• “We’ll waive your deductible” (this is illegal in Minnesota)
• “Your insurance company is terrible—let me handle everything”
You have one year to file a claim and two years to make repairs so there is no need to rush the decision on what contractor you want to work with.
These are classic storm-chasing tactics.
✅ Do yourself a favor: choose a local, licensed contractor with a real presence in your community.
Know your rights in Minnesota:
✔ Contractors must be licensed and insured
✔ Contracts must clearly include:
– Scope of work
– Materials
– Total price (or how it’s determined)
✔ You have 3 business days to cancel after signing
👉 Bottom line: Don’t sign anything on the spot—especially something called an “authorization” or “inspection form.” It can be a binding contract.
If something feels rushed or pressured, trust your gut and walk away.
Save yourself time, expense and a lot of headaches by choosing a local contractor! If you want a list of contractors that our clients have used in the past, send us a message.
If you have questions or want a second opinion, feel free to reach out.