MINNESOTA
Roofing supplement and appraisal clause resources for Minnesota contractors and homeowners.
APPRAISAL CLAUSE IN MINNESOTA
Minnesota insurance policies include appraisal clauses that provide a mechanism for resolving disputes about loss amounts. Minnesota courts have consistently enforced these provisions.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN MINNESOTA
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Minnesota:
Ice dam damage is frequently underscoped
Hail damage assessments often miss soft metal damage
Labor rates don't reflect harsh weather working conditions
Freeze damage to plumbing and related repairs is undervalued
COMMON STORM TYPES
MINNESOTA TIPS
- Minnesota's harsh winters create unique damage patterns
- Ice dam damage requires thorough documentation
- Hail season runs May through August
- Understand your policy's coverage for freeze damage