General information only
Content on this website is educational and general. It describes how insurance appraisal commonly works, but your policy’s wording controls. Always read your own policy and endorsements.
Not legal advice, not a public adjuster
Minnesota Insurance Appraiser provides appraisal, estimating and umpire services. We are not attorneys, don’t give legal advice, and don’t act as public adjusters or negotiate claims outside the appraisal process.
No guarantee of results
Every claim is different. Example figures on this site are illustrative and are not results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, replacement-cost recovery and lawsuits. Nothing on this site extends or changes any deadline. If one is approaching, consult a Minnesota attorney promptly.
Legal references
Mentions of statutes, court decisions, agencies or storms are for context and are described in general terms. Verify current law with official sources such as the Minnesota Department of Commerce and the Minnesota Revisor of Statutes, and with an attorney.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. Not all were taken in Minnesota, and none show our clients’ properties.