MN SF249

Expands regulation of deductible payment promises to include residential roofers, siding contractors, residential contractors, and residential remodelers, prohibiting them from advertising or promising to pay insurance deductibles as inducement to sale.

Adds prohibition against offering to compensate insured persons for providing services, with violating contractors' estimates no longer requiring insurer consideration.

Establishes private remedy allowing insured persons or insurers to sue residential contractors for damages resulting from deductible payment violations.

Grants commissioner of labor and industry enforcement authority over deductible payment violations under sections 326B.081 to 326B.085.

Extends 72-hour contract cancellation right for property or casualty insurance claims to apply when insurer denies claim, covering both residential roofers and siding contractors.