Minneapolis Public Adjuster
Help for Denied, Underpaid & Complex Insurance Claims
When your insurance claim is denied or your settlement check barely covers half the damage, you need a licensed Public Adjuster in Minnesota fighting in your corner. Shoreline Public Adjusters represents Minneapolis homeowners and businesses—never the insurance company—to ensure you receive the full compensation your policy entitles you to.
✓ No Fee Unless We Recover
✓ Licensed Minnesota Public Adjusters (#40962416)
✓ Serving Twin Cities Metro
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What to Do If Your Insurance Claim Was Denied
If your insurance denied your roof claim or offered a lowball settlement, don't accept the first answer. Insurance companies routinely deny valid claims citing:
"Cosmetic damage only" on hail-damaged roofs
"Pre-existing conditions" for ice dam water intrusion
"Maintenance issues" for storm damage
"Insufficient documentation" when they haven't inspected properly
A public adjuster in Minnesota can review your denial, gather additional evidence, and prepare a formal appeal. We've overturned countless denials by documenting functional damage that insurance company adjusters missed or ignored.
Why Minneapolis Property Owners Struggle with Insurance Claims
Every year, thousands of Minneapolis homeowners and business owners file property damage claims after hailstorms, ice dams, water damage, and other disasters. And every year, insurance companies find ways to deny, delay, or underpay those claims.
The insurance company adjuster who inspects your property works for the insurer—not for you. Their job is to minimize what the company pays out. They're trained to find reasons to deny your hail damage roof insurance claim, classify obvious damage as "cosmetic," and offer settlements that don't come close to covering actual repair costs.
Common tactics we see insurance companies use against Minneapolis policyholders:
Denying roof claims by calling functional damage "cosmetic" under policy exclusions
Blaming ice dam damage on "inadequate maintenance" instead of the covered weather event
Refusing to pay for proper material matching when replacement materials don't match existing
Offering lowball settlements that don't account for hidden damage behind walls and under roofing
Dragging out claims for months, hoping you'll give up or accept less
How a Licensed Public Adjuster in Minnesota Levels the Playing Field
A public adjuster in Minnesota is a licensed insurance professional who works exclusively for policyholders—never for insurance companies. When you hire Shoreline Public Adjusters, we become your advocate, handling every aspect of your claim from documentation through final settlement.
Unlike independent adjusters who work for insurers, we're legally obligated to represent YOUR interests. We're licensed by the Minnesota Department of Commerce (License #40962416), bonded, and held to strict professional standards under Minnesota Chapter 72B.
As your Minneapolis public adjuster, we:
Document every bit of damage using thermal imaging, moisture meters, drones, and professional photography
Prepare detailed estimates using Xactimate—the same software insurance companies use
Handle all communication and negotiation with your insurance company
Cite Minnesota case law and statutes to support your claim (Cedar Bluff, Great Northwest v. Campbell)
Fight for maximum recovery—because we only get paid when you get paid
Property Damage Claims We Handle
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Minnesota's severe storm season brings damaging hail from May through September. When hail strikes your Minneapolis property, insurance companies often try to minimize payouts by calling the damage "cosmetic."
A hail damage roof insurance claim requires thorough documentation to prove functional impairment. Insurance adjusters often spend just minutes on your roof, missing critical damage. We conduct comprehensive inspections that include:
Impact counts per test square (100 sq ft) across all roof planes
Soft metal damage analysis (vents, gutters, flashing, HVAC units)
Granule loss assessment showing asphalt exposure
Manufacturer specification comparison to prove damage exceeds tolerances
Cedar Bluff matching analysis when replacement materials won't match existing
Under the Minnesota Supreme Court's Cedar Bluff ruling (2014), if replacement materials can't achieve a "reasonable match" with undamaged portions, your insurer may be required to replace the entire roof or siding system—not just the damaged sections.
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Ice dam insurance claims are extremely common in Minneapolis, where harsh winters create perfect conditions for ice dam formation. When ice builds up at your roof's edge, water backs up under the shingles and leaks into your home—causing damage to ceilings, walls, insulation, and more.
Insurance companies often try to deny ice dams on roofs insurance claims by blaming inadequate attic ventilation or insulation. They'll argue the ice dam was caused by a "maintenance issue" rather than the severe winter weather.
We fight back by:
Documenting the ice dam formation as a covered weather event
Using thermal imaging to trace water intrusion paths
Citing Great Northwest v. Campbell (2024) for code-required ice barrier installation
Pushing for full repair including attic ventilation improvements when required by Minnesota building code
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Water damage requires immediate response and thorough documentation. Whether from frozen pipes, ice dam leaks, appliance failures, or plumbing issues, water spreads quickly and causes damage that's often invisible without professional inspection.
We use professional equipment to document the full scope of water damage:
Thermal imaging to find moisture behind walls and ceilings
Moisture meters per IICRC S500 standards
Category classification (clean, gray, black water) affecting remediation scope
Secondary damage assessment including potential mold growth areas
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Fire claims extend far beyond the visible burn area. Smoke particles travel throughout your property via HVAC systems, contaminating rooms that appear untouched. We conduct particulate testing per RIA 6001-2012 standards to document the full scope of smoke contamination.
For properties that are "wholly destroyed," Minnesota's Valued Policy Law (§ 65A.08) requires insurers to pay the full policy amount—the valuation stated in the policy is binding and not subject to dispute.
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Even when insurance companies don't outright deny claims, they often issue underpaid insurance claims that barely cover a fraction of actual repair costs. If your settlement check seems too low, you're probably right.
Common reasons for insurance claim underpaid settlements include:
Missing hidden damage behind walls, under flooring, or in attic spaces
Using outdated pricing that doesn't reflect current material and labor costs
Excluding code-required upgrades that Great Northwest v. Campbell says must be covered
Applying excessive depreciation to replacement cost claims
Refusing to pay for matching when Cedar Bluff requires it
We review your settlement, document missed damage, and negotiate for the full amount your policy provides. If the insurer refuses, we can invoke Minnesota's appraisal process (§ 65A.01, Subd. 3), where an independent panel determines the proper settlement amount.
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If your roof insurance claim was denied, don't give up. Insurance companies deny valid claims every day, hoping policyholders won't push back. Common denial reasons we successfully overturn include:
"Damage is cosmetic" - We prove functional impairment through engineering analysis
"Pre-existing damage" - We correlate damage patterns to specific storm events using weather data
"Wear and tear" - We differentiate storm damage from normal aging
"Insufficient documentation" - We provide comprehensive evidence the insurer can't ignore
Minnesota's Unfair Claims Settlement Practices Act (§ 72A.201) requires insurers to provide written denial reasons citing specific policy provisions. If they haven't, or if their reasoning doesn't hold up, we challenge the denial through formal appeals or the appraisal process.
Our Claims Process
How We Maximize Your Insurance Claim Recovery
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We start with a comprehensive review of your situation at no cost. We'll assess your damage, review your policy, and give you an honest evaluation of whether our services would benefit you. If we can't help, we'll tell you—and you won't owe us anything.
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Our inspection goes far beyond what insurance company adjusters provide. Where necessary, we deploy:
FAA-licensed drone photography for comprehensive roof inspection
Thermal imaging cameras to detect hidden water damage and heat loss
Professional moisture meters for water intrusion claims
Detailed contents inventory for personal property claims
Weather data correlation to tie damage to specific storm events
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We prepare your claim using Xactimate, the industry-standard estimating software that insurance companies themselves use. This ensures our documentation speaks their language and can't be dismissed as unprofessional or inaccurate.
Our claim package includes:
Detailed Proof of Loss with comprehensive Schedule of Loss
Photo documentation with annotations
Supporting documentation citing relevant Minnesota law
Expert reports when needed (engineering, forensic accounting)
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We handle all communication with your insurance company. When they make lowball offers, we counter with documented reasoning. When they try to exclude covered damage, we cite the policy language and case law that proves they're wrong.
If the insurer refuses fair payment, we can invoke Minnesota's appraisal process, where an independent panel determines the proper settlement. Under Quade v. Secura (2012), appraisal panels can even determine cause of loss—not just dollar amounts.
Why Minneapolis Trusts Shoreline
Licensed Public Adjuster Minnesota (#40962416)
Shoreline Public Adjusters is fully licensed by the Minnesota Department of Commerce under Chapter 72B. We maintain the required $10,000 surety bond, complete 24 hours of continuing education every two years, and operate in strict compliance with all professional conduct requirements.
Our license means:
We've passed state examinations proving our knowledge of insurance claims
We're bonded to protect you if anything goes wrong
We're subject to Department of Commerce oversight and discipline
We're legally prohibited from representing insurance companies—only policyholders
Deep Knowledge of Minnesota Insurance Law
Minnesota has specific laws that protect policyholders—but only if you know how to use them. We leverage:
Cedar Bluff Townhome v. American Family (2014): Requires "reasonable color match" for replacement materials. If unavailable, insurer must replace undamaged portions too.
Great Northwest v. Campbell (2024): Insurers must pay for code-required upgrades to undamaged components when "integral" to repair.
Valued Policy Law (§ 65A.08): For total losses, insurers must pay full policy amount—no dispute on valuation.
Unfair Claims Practices Act (§ 72A.201): Strict timelines insurers must follow or face regulatory action.
Bad Faith Statute (§ 604.18): Allows recovery of attorney fees and additional damages when insurers act unreasonably.
Featured in National Media
Shoreline's expertise has been recognized by Forbes, Investopedia, Realtor.com, Insurance.com, and other leading publications. We're members of NAPIA (National Association of Public Insurance Adjusters) and FAPIA (Florida Association of Public Insurance Adjusters).
No Upfront Costs—Ever
We work on contingency. You pay nothing upfront, and we only get paid if we successfully recover money on your claim. Our interests are perfectly aligned with yours: we succeed when you get maximum recovery.
Minneapolis & Twin Cities Service Area
Local Public Adjusters Serving All Minneapolis Neighborhoods
As local public adjusters in Minnesota, we understand the unique challenges Minneapolis property owners face. From historic homes in Lowry Hill with discontinued siding to modern condos along the riverfront, we've handled claims throughout the metro area.
Minneapolis neighborhoods we serve:
Lowry Hill
Kenwood
Southwest Minneapolis
Linden Hills
Nokomis
Downtown Minneapolis
North Loop
Northeast
Uptown
Loring Park
Longfellow
Seward
Mill District
Elliot Park
Whittier
Twin Cities Metro Coverage
We also serve St. Paul, Bloomington, Plymouth, Maple Grove, Brooklyn Park, Woodbury, Eagan, Eden Prairie, Lakeville, Blaine, Burnsville, Apple Valley, Minnetonka, Edina, and all surrounding communities.
As public adjusters of Minnesota, we're licensed to handle claims throughout the entire state—from Duluth to Rochester, St. Cloud to Mankato.
Frequently Asked Questions
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A public adjuster in Minnesota is a licensed insurance professional who represents policyholders—not insurance companies—in property damage claims. Licensed under Minnesota Chapter 72B, public adjusters must pass examinations, maintain a $10,000 surety bond, and complete ongoing continuing education. Unlike the adjuster your insurance company sends (who works for them), a public adjuster works exclusively for you to document damage, prepare claims, and negotiate maximum settlements.
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If your roof insurance claim was denied, don't accept the first answer. Request the written denial with specific policy provisions cited (required under § 72A.201). Then contact a public adjuster to review the denial and gather additional evidence. We successfully overturn denials by proving functional damage that insurers called "cosmetic," correlating damage to covered storm events, and challenging improper denial reasoning through formal appeals or Minnesota's appraisal process.
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Public adjusters work on contingency—there are no upfront costs. Our fee is a percentage of your settlement, disclosed in writing before you sign anything. You only pay if we successfully recover money on your claim. Minnesota law also provides a 72-hour rescission period, giving you three days to cancel with no penalty after signing if you change your mind.
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Yes, most homeowners policies cover ice dam damage as a weather-related peril. However, insurance companies often try to deny ice dam insurance claims by blaming inadequate maintenance or ventilation. The key is documenting the ice dam as a covered weather event and the resulting water intrusion as direct damage. Under Great Northwest v. Campbell (2024), if repairs trigger building code compliance, insurers must also pay for code-required ice barriers and ventilation improvements.
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Absolutely. Underpaid insurance claims are one of the most common issues we handle. We review your settlement, identify missed damage, document hidden damage behind walls and under roofing, and negotiate for the full amount your policy provides. If the insurer refuses fair payment, we can invoke Minnesota's appraisal process where an independent panel determines the proper settlement amount.
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Minnesota's Unfair Claims Settlement Practices Act sets specific timelines: insurers must acknowledge claims within 10 business days, complete investigations within 30 days, and accept or deny claims within 60 days of receiving proof of loss. With a public adjuster, most claims resolve within 30-90 days depending on complexity. We monitor these deadlines and hold insurers accountable when they miss them.
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We serve all Minneapolis neighborhoods including Downtown, North Loop, Northeast, Uptown, Loring Park, Lowry Hill, Kenwood, Southwest Minneapolis, Linden Hills, Nokomis, and Longfellow. We also cover the entire Twin Cities metro including St. Paul, Bloomington, Plymouth, and surrounding communities. As licensed Minnesota public adjusters, we handle claims throughout the entire state.
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Public adjusters handle claim preparation, documentation, and negotiation—the vast majority of claims resolve through these steps without needing legal action. We cannot represent you in litigation, but if your claim involves potential bad faith by the insurer (§ 604.18 violations), we work closely with insurance attorneys and can refer you to qualified legal counsel. Often, our thorough documentation prevents claims from reaching the litigation stage.
Get Your Free Minneapolis Insurance Claim Review
Whether your roof insurance claim was denied, you received an underpaid insurance claim settlement, or you're dealing with a complex hail damage roof insurance claim, Shoreline Public Adjusters is ready to fight for the full compensation your policy provides.
Contact us today for a free, no-obligation claim review. There's no cost to learn your options.
Minnesota License #40962416
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