Your right to cancel the contract if the claim is denied
Minn. Stat. § 326B.811 gives you 72 hours to walk away from a storm repair contract after your insurer denies the claim.
Minn. Stat. § 326B.811
The protection
If you signed with a contractor to do storm damage work that you expected insurance to pay for, and the insurer then denies the claim in whole or in part, Minnesota law lets you cancel the contract within 72 hours of learning of the denial. The contractor must return any payments or deposits, minus amounts for emergency services you authorized.
Why it exists
Storm chasers historically signed homeowners to binding contracts on the doorstep — 'we'll handle everything with your insurance' — leaving the homeowner on the hook for the full price when the claim was denied. The 72-hour right shifts that risk back to the contractor.
How to use it
Cancel in writing within 72 hours of the denial — email plus a mailed letter is safest. Keep a copy of the denial letter and your cancellation. The contract itself is required to include notice of this right; if yours doesn't, that's a compliance problem for the contractor, not for you.