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The 5 Most Important Things to Do After a Fire or Water Loss
What Every Policyholder Must Know After a Fire or Water Loss. Experiencing a fire or water loss is overwhelming.
Darrick
Mar 123 min read
21 views
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5 Essential Steps to Take When Filing a Property Insurance Claim
When you experience property damage and need to file an insurance claim, your first instinct may be to handle it yourself. That’s...
Darrick
Mar 112 min read
39 views
0 comments


Minnesota Court of Appeals Issues Landmark Ruling on Insurance Appraisals
Published: April 2025 In a significant decision for Minnesota property owners, the Minnesota Court of Appeals recently clarified how and...
Darrick
Apr 143 min read
13 views
0 comments


Documenting Property Damage: A Step-by-Step Guide to Strengthen Your Insurance Claim
Why Documentation Matters in Insurance Claims Insurance companies require evidence to evaluate your claim. The clearer and more...
Darrick
Apr 53 min read
1 view
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What Is a Proof of Loss in a Property Insurance Claim—And Why It Matters
This language reinforces that the policyholder is providing the information truthfully, with no attempt to mislead or conceal damages—import
Darrick
Apr 54 min read
8 views
0 comments


The Situation: Misguided Advice Leads to a Denied Claim
A policyholder recently reached out after their claim was denied. The denial letter referenced “wear and tear” as the cause of...
Darrick
Mar 253 min read
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0 comments


Understanding Insurance Appraisal in Minnesota: Key Cases That Shape the Process
When a property insurance claim is disputed in Minnesota, appraisal is often used to resolve the disagreement over the amount of loss ....
admin538751
Mar 214 min read
49 views
0 comments


Did You Know? You Can Hire a Public Adjuster to Handle Your Insurance Claim
In fact, aside from an attorney, a Public Adjuster is the only professional legally allowed to directly represent a policyholder in a claim.
Darrick
Mar 162 min read
5 views
0 comments


Why Hiring a Public Adjuster Isn’t Just for Disputed Claims
When people think of public adjusters, they often assume they’re only necessary when a claim is denied, underpaid, or facing delays....
Darrick
Mar 162 min read
16 views
0 comments
Insurance Companies Reported Losses—But Made Billions
In a recent exposé titled "Florida’s Secret Insurance Scandal: Today’s Hearing Exposes the Truth," Chip Merlin, founder and president of...
admin538751
Mar 142 min read
1 view
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Minnesota Policyholders Beware: Strict Insurance Claim Deadlines Could Cost You Thousands
Many Minnesota insurance policies include provisions for depreciation holdbacks, where insurers initially deduct
Darrick
Mar 122 min read
1 view
0 comments


Best Practices for Insurance Appraisal Awards
The insurance appraisal process is a critical tool for resolving disputes over property insurance claims. One of the most important elements
Darrick
Mar 123 min read
1 view
0 comments


Understanding Contingency Contracts in Public Adjusting
Public insurance adjusters typically work on a contingency contract basis, meaning we only get paid if we successfully increase your insuran
Darrick
Mar 111 min read
1 view
0 comments


Understanding Property Insurance Appraisal: A High-Level Overview
Property insurance appraisals are becoming increasingly common, but with this rise, the landscape surrounding them has also grown more...
Darrick
Mar 114 min read
0 views
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The Hidden Trap of Partial Claim Denials: How Insurers Are Setting Up Policyholders for Costly Roof Replacements
Recently, I’ve been seeing some alarming trends in the insurance industry. One scenario, in particular, is becoming all too common:...
Darrick
Mar 113 min read
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0 comments


Who can Advise you in a Property Insurance Claim
General contractors often times, by either a lack of proper understanding, or with very good intentions misinform property owners of...
Darrick
Feb 26, 20215 min read
23 views
0 comments


Is Minnesota a Matching State?
Many Minnesotans believe their homeowner’s insurance coverage automatically includes Matching. The truth is Minnesota is not a Matching...
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Feb 22, 20214 min read
224 views
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Solution= Hire A Public Insurance Adjuster
Homeowners dutifully pay premiums for insurance coverage to protect themselves from financial losses should their property be damaged...
Darrick
Feb 18, 20211 min read
6 views
0 comments
Tornado & Ice Dam Damage
Ice dam claims can cause a lot of property damage. The tedious and often times downright dangerous removal of these ice damns compounds...
Darrick
Jan 13, 20211 min read
14 views
0 comments
Tree & Structural Damage
Falling trees, rogue vehicles, ice dams and other perils may cause structural damage to your home or business. Repairs to the structure...
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Jan 13, 20211 min read
13 views
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