Maplewood, Minn., City Code ch. 12, art. XI § 12-468
Insurance
Operative Text
(a) For the purposes of this article, no certificate of competency shall be issued or renewed without satisfactory proof of insurance insuring the applicant or evaluator. (b) The city shall be included as a named insured on the required insurance, and any additional cost for including the city shall be at the expense of the applicant or evaluator. (c) The applicant's or evaluator's insurance shall remain in force continuously thereafter, and no certificate of competency shall be deemed to be in effect during any period of time when such insurance and proof thereof are not also in effect. (d) Each applicant or evaluator shall have an individually named insurance policy. (e) The insurance policy shall provide coverage of not less than $250,000.00 per claim or $500,000.00 per year, aggregate, against any and all liability imposed by law resulting from the performance of the duties as a certified truth-in-sale-of-housing evaluator.
Maplewood City Code ch. 12, art. XI § 12-468 establishes insurance requirements for anyone seeking or holding a certificate of competency as a truth-in-sale-of-housing evaluator. The certificate is only valid while a qualifying individual insurance policy — covering at least $250,000 per claim or $500,000 per year in aggregate — is continuously active, with the city listed as a named insured. Any lapse in coverage automatically renders the certificate ineffective for that period, and the cost of adding the city as a named insured falls on the certificate holder.
Plain English — not legal advice.
Property owners who hire or engage certified truth-in-sale-of-housing evaluators under Maplewood City Code ch. 12, art. XI § 12-468 generally verify that the evaluator holds a currently valid certificate of competency backed by an active, individually named insurance policy meeting the required coverage thresholds. Because a lapse in the evaluator's insurance voids the certificate during that gap, operators typically confirm that coverage is continuous before and during any evaluation. Retaining documentation of the evaluator's insurance status is a common practice among compliant property managers.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Maplewood City Code ch. 12, art. XI § 12-468, tenants and prospective buyers can be aware that any evaluator performing a truth-in-sale-of-housing evaluation is required to carry a minimum level of liability insurance and hold a valid certificate of competency — protections that exist in part to ensure accountability for the evaluation process. If there is reason to believe an evaluator lacked valid insurance or a current certificate at the time of an evaluation, that concern can be raised with the relevant Maplewood city authority overseeing the certificate program. Tenant-rights organizations or housing counselors familiar with local Maplewood regulations may be able to help identify the appropriate avenue for raising such a concern.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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