Minneapolis Public
Adjuster.
When a Minneapolis insurer denies, lowballs, or stalls your storm-damage claim, Clarion Claims Group steps in. We're licensed Minnesota public adjusters who work only for policyholders — never carriers — and we specialize in reversing the kind of dispute Twin Cities homeowners face after hail, wind, and ice-dam events.
Minneapolis sits in one of the most active hail corridors in the country.
The May 2017 Minneapolis hailstorm caused over $2.5 billion in insured losses across the metro — one of the costliest hail events in U.S. history. Storms of that scale return regularly. The carriers know it, which is exactly why the underwriting models, deductibles, and adjusting playbooks in this market are aggressive.
Houses east of Hennepin and along the Mississippi tend to have older architectural roofs that show damage differently than the newer impact-rated shingles in Edina or Plymouth. Insurance company adjusters often under-document older roofs by writing 'wear and tear' instead of recognizing the storm event. That's the line we redraw.
Serving Minneapolis neighborhoods including:
The four most-disputed claim types in Minneapolis.
Hail Damage
Minnesota averages roughly $250M in annual hail losses — second highest in the country. Minneapolis sits squarely in that corridor. We document every dent, every bruised mat, every cracked seal that insurers commonly miss.
Wind & Tornado Damage
Straight-line winds and EF-rated tornadoes hit the metro every season. Wind claims are routinely underpaid because insurers replace only what's visibly missing — not the structural fastener failure underneath.
Ice Dam Damage
Minneapolis's freeze–thaw cycles produce some of the most-disputed claims in the state. Coverage often hinges on policy language around 'sudden and accidental.' We know the case law.
Fallen Tree Damage
Mature elms, maples, and ash across South Minneapolis bring down branches every storm season. Insurers commonly miss concealed structural impact and secondary water intrusion.
Hiring a public adjuster is your legal right under Minnesota law.
Minnesota Statute §72B governs the licensing and conduct of public adjusters in the state. The statute makes clear that public adjusters represent the insured exclusively, must be bonded, and must hold a valid license issued by the Minnesota Department of Commerce. Insurers are required to recognize and work with a properly retained public adjuster — they cannot lock you out of the process.
Clarion Claims Group is licensed in Minnesota under license #40939623. Founder and lead adjuster Sam Cook has spent over a decade working storm and hail claims across the Upper Midwest, with a focus on reversing denials and recovering underpayment in Minneapolis–Saint Paul.
When carriers in Minnesota dispute scope, they often invoke specific policy provisions around 'matching,' 'cosmetic exclusions,' or 'maintenance.' Understanding which clauses your policy actually contains — and how Minnesota courts have ruled on each — is the difference between a denial that sticks and one that gets reversed.
Three steps from denial to settlement.
Free Minneapolis Review
Send us your denial letter, the carrier's estimate, and photos. We'll tell you honestly whether you have a recoverable claim — usually within 24 hours.
We Build the Case
On-site re-inspection of your Minneapolis property. Xactimate estimate matched to current replacement costs. Written response addressing every point in the carrier's denial or underpayment.
We Fight, You Recover
Direct negotiation with your insurer's adjuster, supervisor, or appraisal panel. You only pay when funds arrive — never before.
“My claim was denied before. Clarion got me nearly 8× what the insurance company offered. My roof was destroyed by hail and they walked us through every step.”
Individual results vary. Past outcomes do not guarantee future results.
Minneapolis homeowners —
your review is free.
No commitment. No upfront cost. We'll tell you honestly whether we can help — and what recovery looks like for your specific Minneapolis claim.
Get My Free Minneapolis ReviewWe respond within 24 hours — guaranteed. Also serving Saint Paul and the rest of Minnesota.