Straight answers on
insurance claims.
Written by licensed public adjusters who fight denied and underpaid storm claims every day. No hype, no legal jargon, and the downsides included.
"Below Your Deductible": What That Letter Really Means
The carrier agreed a storm hit your home, then priced the damage under your deductible. Here is what usually gets left out of that number and what to ask for next.
"Magnetic Hail": When Insurance Pays for the Vents but Not the Roof
Magnetic hail is our name for an estimate that pays every metal item on the roof and zero shingles. Here is why it happens and what we do about it.
12 Questions to Ask Before Hiring a Public Adjuster
Twelve questions to ask any public adjuster before you sign, with what a good answer sounds like and what a bad one sounds like, from a licensed Minnesota firm.
Can a Public Adjuster Help With a Denied Claim?
Yes, denied claims are our specialty. A Minnesota public adjuster explains what a denial usually means, what we do differently, and when we say no.
Can You Fire a Public Adjuster? What Minnesota Law Says
Yes, with a 72-hour cancellation right under Minnesota law. After that, your written agreement governs. A Minnesota firm explains how it works and what to weigh.
Code Upgrades on a Minnesota Roof Claim: What Statute 65A.10 Requires
What code upgrade coverage means on a Minnesota roof claim, what Statute 65A.10 says about replacement cost, and how a 2025 court decision fits in.
Do I Really Need a Public Adjuster? When to Hire One, When Not To
Licensed public adjusters explain when hiring one makes sense, when it does not, and when a well-organized homeowner can handle part of a claim alone.
Filing a Roof Claim Before Winter in Minnesota: What to Expect
A fall roof claim in Minnesota is unlikely to settle before snow. Here is the honest timeline talk we give every homeowner, and why starting now still matters.
How Insurance Companies Lowball Claims (and How to Spot It)
A licensed public adjuster explains the patterns we see on denied and shorted storm claims, and how to check your own estimate line by line before you accept it.
How Long Does a Public Adjuster Claim Take?
Honest ranges for how long a public adjuster claim takes, what speeds it up, what slows it down, and why no one can honestly promise you a timeline.
How to Document Storm Damage for Your Insurance Claim
A practical weekend checklist for documenting hail and wind damage before you file: photos, weather data, collateral damage, and what not to repair yet.
Insurance Only Paid for Part of Your Roof? Matching and Repairability
When the carrier approves one slope and tells you to patch the rest, repairability and matching decide the fight. Here is how each works and where claims stall.
Insurance Says Your Roof Damage Is 'Wear and Tear.' Now What?
Carriers often call hail damage wear and tear. A Minnesota public adjuster explains how to tell the two apart, what evidence helps, and what to ask the carrier for.
Is a Public Adjuster Worth the Fee? The Honest Math
Licensed public adjusters walk through a $20,000 roof example to show when hiring one pays off, when it does not, and which claims we turn away.
Minnesota Claim Deadlines: What Insurers Must Do Under Statute 72A.201
A plain-English guide to four provisions of Minnesota Statute 72A.201: reply times, the 30 business day window, written denials, and reasonable investigation.
Public Adjuster vs. Attorney vs. Appraisal: Which Do You Need?
Licensed public adjusters explain what a public adjuster, an appraisal, and an attorney each do on a storm claim, and the order we usually use them in.
Public Adjuster vs. Insurance Adjuster: Who Works for Whom?
A licensed public adjuster explains the difference between staff, independent, and public adjusters, who pays each one, and whose side each is really on.
Recoverable Depreciation: The Money Your Insurer Is Still Holding
Your first insurance check is smaller than the repair bill because the carrier holds back depreciation. Here is how recoverable depreciation works and how to get it.
Red Flags: How to Spot a Public Adjuster You Should Not Hire
Ten warning signs of a public adjuster to walk away from, from guaranteed results to missing license numbers, written by a licensed Minnesota firm.
Should You Hire a Public Adjuster for a Hail Roof Claim in Minnesota?
Minnesota gets hail most summers. A licensed public adjuster explains how hail claims get denied or shorted here, when to go it alone, and when to call us.
The Insurance Company Sent an Engineer. What Happens Now?
When a carrier brings in an engineer after a hail claim, the report often decides the outcome. Here is what these reports look like and how we test them.
What Home Insurance Adjusters Won't Tell You
Licensed public adjusters share nine things insurance adjusters rarely volunteer, from the burden of proof to what a written denial must say in Minnesota.
What Is the Downside of Using a Public Adjuster?
Licensed public adjusters explain the real downsides of hiring one: the fee, the wait, the claims we turn away, and the situations where you are better off on your own.
What Makes an Insurance Claim Underpaid? 9 Things Carriers Leave Out
A carrier estimate can look official and still be thousands short. These nine missing line items are the ones we find most often, and how to spot each one.
What Not to Say to an Insurance Adjuster (and What to Say Instead)
What not to say to an insurance adjuster comes down to accuracy, not tricks. Here are seven common slips and the plain, truthful things to say instead.
What to Expect When You Hire a Public Adjuster: Step by Step
A step-by-step walk through hiring a public adjuster, from the free consultation to the final depreciation check, including the three quiet weeks nobody mentions.
Who Pays a Public Adjuster? How the Fee Actually Works
You pay a public adjuster, not the insurance company. A Minnesota firm explains how the fee works, what the $200 review covers, and what happens with contractors.
Whose Job Is It to Prove the Damage? Burden of Proof in Your Policy
Under your policy, proving the loss is the homeowner's job, not the carrier's. Here is what proof means and what the carrier owes you once you provide it.
Why Can't My Roofer Just Handle My Insurance Claim?
Roofers know damage and scope, but they cannot discuss your policy or negotiate coverage. A Minnesota public adjuster explains the gap and how both fit together.
Your Insurance Claim Was Denied. Here Are Your Options.
A denial letter is not the final word. A Minnesota public adjuster walks through five options in order, with pros and cons, starting with the letter.
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