Questions
answered.

A Public Adjuster is a licensed professional who works exclusively for policyholders, not insurance companies, to help navigate and maximize insurance claims. We review, document, and negotiate on your behalf to ensure you receive the full settlement you're entitled to under your policy.

They're two different tools. A Public Adjuster is hired by you to build, document, present, and negotiate the entire claim. Appraisal is a dispute-resolution process used to determine the amount of loss after a disagreement has developed, and an appraisal award is generally binding as to that amount. Choosing the wrong process at the wrong time can add cost, delay, or risk, so the right path depends on what's actually in dispute, how documented the claim is, and what your policy says.

Insurance companies have their own adjusters whose job is to minimize payouts. Clarion Claims Group levels the playing field. With over 15 years of experience and a proven track record of reversing denials and recovering underpaid claims, we fight exclusively for you. According to the Insurance Research Council, homeowners who work with a public adjuster recover an average of 3× more than those who handle claims alone.

The consultation is free. We get on a call, go through what happened with your claim, and give you our honest read. If we both decide the claim is worth pursuing, Minnesota residential engagements include a $200 initial claim review and documentation fee. That covers the onsite inspection, obtaining your full policy, a review of every coverage, and a clear answer on whether your claim is winnable. If we take your claim and win, the $200 is credited toward our final fee, a percentage of the recovery agreed in writing before we start.

That's our specialty. A denial is not the final word. We review your claim, your policy, and the denial letter to identify grounds for an appeal. We've successfully reversed hundreds of denied claims by building airtight documentation, leveraging our knowledge of policy language, and negotiating directly with insurers.

Every claim is different. Some straightforward claims resolve in a few weeks; more complex cases involving extensive damage or stubborn insurers can take several months. What we can promise is that we'll keep you informed every step of the way and work as efficiently as possible to get you your settlement.

We primarily handle storm-related damage including hail, wind, tornado, and fallen tree damage. If you're unsure whether your specific situation qualifies, reach out for a free consultation. We'll tell you honestly whether we can help.

We are currently licensed in Minnesota, Michigan, Kentucky, Georgia, Nebraska, Missouri, Colorado, Connecticut, Wisconsin, North Carolina, and Iowa. If you're outside these states, contact us and we'll let you know about our availability.

You don't have to be, though we recommend it so you can point out any concerns or areas you want us to specifically document. We'll work around your schedule to make the process as convenient as possible.

No. It's your legal right to hire a public adjuster, and insurers are required to work with us. Our involvement simply levels the playing field and ensures the claims process is conducted fairly and in accordance with your policy terms.

We offer a 24-hour response guarantee on all inquiries. We will contact you within one business day of your submission, guaranteed. Beyond that, we work on a contingency fee, a percentage of your final settlement, and we only collect it if you win. Minnesota residential claims also include a $200 initial claim review and documentation fee, charged at signup and credited toward our final fee if we take your claim and win. There are no retainers, no hourly rates, and no other hidden charges.