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

Summary

The court held that Minnesota's replacement-cost statute requires coverage for new roof sheathing when the damaged shingles cannot be replaced in compliance with applicable building code without that sheathing. It also held that the statute did not require coverage for the contractor's overhead and profit because the insured did not establish that those costs were necessary to perform code-compliant repairs. The court therefore affirmed the judgment below on both issues.