When Disaster Strikes, We're On Your Side.

It may feel like over-preparing, but having the right documentation ahead of time can make the claims process significantly easier. Store these items somewhere safe — ideally in a place protected from fire or water damage. A cloud-based email or storage account is a great option.

1. Photographic Inventory:
   Take clear digital photos of every room and item in your home. You may not remember everything after a loss.

2. Receipts for Major Purchases:
   Save receipts for valuable items or use a credit card that allows you to retrieve purchase history later.

3. Insurance Policy Information:
   Keep your policy number, agent’s name and contact details, and the claim phone number for your insurance company readily accessible.

First, we’re sorry you’re going through this. Whether you've experienced a fire, water damage, or storm-related destruction — your needs are urgent, and your safety is the top priority.

1. Ensure Safety First:
   Do not take any action that puts your personal safety or that of your family at risk.

2. Prevent Further Damage:
   You're expected to take reasonable steps to protect your property. This may include shutting off water, hiring a plumber, or securing the roof with a tarp.

3. Get Help from Someone You Trust:
   Don’t hesitate to call friends or family to assist with urgent steps. You don’t have to do this alone.

4. Call a Public Adjuster:
   Contact me directly at 952.484.6202. I’ll get there as soon as possible and take over the claims process so you can focus on recovery.

After a loss, it’s common for contractors to show up offering to handle everything in exchange for your insurance payout. They may even offer to “cover” your deductible or present other tempting incentives.

Be polite but firm. Let them know you’re working with a public adjuster to determine the full value of your claim first. If they continue to push, simply decline and close the door.

Also note: while your insurance agent may care deeply about your situation, they are not involved in the claims process. Your adjuster and the insurance company's claims department will handle the next steps.