What Every Policyholder Must Know After a Fire or Water Loss. Experiencing a fire or water loss is overwhelming.

When you experience property damage and need to file an insurance claim, your first instinct may be to handle it yourself. That’s...

A recent peer-reviewed publication titled Industrial Hygiene Method for Assessing Toxic Contamination in Smoke and Fire-Damaged Homes by Phalen and Nieusma highlights growing concerns regarding toxic contamination that can remain in homes long after a fire appears to be “cleaned.”

. However, in complex losses — especially those involving heavy smoke, synthetic materials, HVAC contamination, or occupant health concerns — proper testing can provide critical information about the true condition of the property.

When it comes to insurance claims, confusion costs money. Insurance companies use complex language for a reason—because if you don’t understand the terms, you’re at a disadvantage before the claim even starts. This guide breaks down the most important insurance terms in plain English—so you can protect your property, your claim, and your money.

Published: April 2025 In a significant decision for Minnesota property owners, the Minnesota Court of Appeals recently clarified how and...

Why Documentation Matters in Insurance Claims Insurance companies require evidence to evaluate your claim. The clearer and more...

This language reinforces that the policyholder is providing the information truthfully, with no attempt to mislead or conceal damages—import

A policyholder recently reached out after their claim was denied. The denial letter referenced “wear and tear” as the cause of...

When a property insurance claim is disputed in Minnesota, appraisal is often used to resolve the disagreement over the amount of loss . But what exactly does that mean—and how far does an appraisal panel's authority go? Over the years, Minnesota courts have issued several key rulings that define the duties, powers, and limits of insurance appraisers and umpires. These decisions provide clarity on what’s allowed during an appraisal and help policyholders and insurers alike und

In fact, aside from an attorney, a Public Adjuster is the only professional legally allowed to directly represent a policyholder in a claim.

When people think of public adjusters, they often assume they’re only necessary when a claim is denied, underpaid, or facing delays....

In a recent exposé titled "Florida’s Secret Insurance Scandal: Today’s Hearing Exposes the Truth," Chip Merlin, founder and president of...

Many Minnesota insurance policies include provisions for depreciation holdbacks, where insurers initially deduct

The insurance appraisal process is a critical tool for resolving disputes over property insurance claims. One of the most important elements

Public insurance adjusters typically work on a contingency contract basis, meaning we only get paid if we successfully increase your insuran

Property insurance appraisals are becoming increasingly common, but with this rise, the landscape surrounding them has also grown more...

Recently, I’ve been seeing some alarming trends in the insurance industry. One scenario, in particular, is becoming all too common:...

General contractors often times, by either a lack of proper understanding, or with very good intentions misinform property owners of...

Many Minnesotans believe their homeowner’s insurance coverage automatically includes Matching. The truth is Minnesota is not a Matching...