Great Northwest Insurance Company, Appellant/Cross-Respondent, vs. Hector A. Campbell, Respondent/Cross-Appellant, ...

── Great Northwest Insurance Company, Appellant/Cross-Respondent, vs. Hector A. Campbell, Respondent/Cross-Appellant, ... ── Court: Supreme Court of Minnesota Date: July 30, 2025 Category: General Decision: ” Affirmed 1. When roof shingles are damaged in a storm and, under applicable state code provisions for shingle installation, the shingles cannot be replaced without first installing a new layer of sheathing, Minnesota Statutes section 65A.10, subdivision 1 (2024)—which mandates that replacement cost insurance include the cost of replacing, rebuilding, or repairing damaged property in compliance with the minimum code requirements imposed by state or local authorities—requires a replacement cost insurer to cover the cost of installing the sheathing. 2. Minnesota Statutes section 65A.10, subdivision 1, does not obligate an insurer to pay for overhead and profit costs unless the insured establishes that those costs constitute part of the “cost of replacing, rebuilding, or repairing any loss or damaged property in accordance with the minimum code as required by state or local authorities.” Affirmed.