Resolution Claims
Resolution Claims
For Minnesota condominium and homeowners association boards, treasurers and community managers. Resolution Claims Consulting, LLC (Minnesota firm license #40893260) is a public adjusting firm. We represent the association on its master-policy claim, never the insurance company.
A public adjuster represents the policyholder on a first-party property claim. We represent policyholders, not insurance companies. On an association claim, that is normally the association named as the insured on the master policy’s declarations page.
Minnesota law says a person may not act or hold out as a public adjuster unless licensed as one, or exempt, under Minnesota's adjuster licensing law (Minn. Stat. 72B.03, subd. 1(a)). Resolution Claims Consulting, LLC holds Minnesota firm license #40893260, and its designated responsible licensed public adjuster is William J. Addis (Minnesota individual license #40771302).
This page covers association property in Minnesota.
Once the board signs a written public adjuster contract:
Each claim turns on its own facts and policy wording, and no particular result can be promised.
Minnesota’s Common Interest Ownership Act says a loss covered by the association’s property policy is adjusted by and with the association, and the insurance proceeds are payable to the association or to an insurance trustee it designates (Minn. Stat. 515B.3-113(e)). Whether that section governs your community is a question for the association’s attorney.
Minnesota law gives an insured the right to cancel a public adjuster contract within 72 hours after it is signed (Minn. Stat. 72B.135, subd. 1).
You don't need to send these to us. A public adjuster reviews them only after a written contract is signed.
We represent policyholders, not insurance companies. On a master-policy claim, the policyholder is normally the association named on the declarations page, and that is who we would work for. Check the named insured on your own declarations page.
Who can sign contracts for the association is set by your governing documents and the board, not by us. Minnesota law says a public adjuster's employment contract is valid only if signed by an insured and the property owner of the property involved, or an authorized agent or representative (Minn. Stat. 72B.135, subd. 6(b)). Your board may want to confirm who has that authority before anyone signs. If you are unsure who has authority, ask the association's attorney. We are not attorneys and do not give legal advice.
That depends on the wording of the master policy and of your declaration and bylaws, which decide who insures which parts of the buildings. This page doesn't say what is covered for your community. For legal questions, talk to a licensed attorney in your state.
The master policy with its declarations page, every letter and estimate the insurance company has sent, photos and dates for each building, any roof or repair records you have, and the claim number if a claim is open. You don't need to send these to us. A public adjuster reviews them only after a written contract is signed.
If your policy has an appraisal provision, it usually describes a process for settling a disagreement about the amount of a loss. How it works depends on the exact policy wording. For legal questions, including deadlines to file suit, talk with a licensed attorney.
Resolution Claims Consulting, LLC holds Minnesota public adjusting firm license #40893260, and William J. Addis holds Minnesota individual public adjuster license #40771302. You can check both with the Minnesota Department of Commerce or the NAIC State Based Systems license lookup, and you should check any public adjuster before hiring one.
No. You can negotiate the claim directly with the insurance company, and you can contact the Minnesota Department of Commerce Consumer Services Center with questions about a claim or a public adjuster. Fee terms are set out in a written contract that you review and sign before any work begins.
Under Minnesota law, an insured who signs a contract with a public adjuster has the right to cancel it within 72 hours after it is signed, by giving written notice of cancellation to the public adjuster at the address stated in the contract (Minn. Stat. 72B.135, subd. 1).
We are not attorneys and do not give legal advice.
We represent policyholders, not insurance companies.
This page is general information, not an interpretation of your policy. You may negotiate your claim directly with your insurance company, and you may consult an attorney at any time. You can contact the Minnesota Department of Commerce Consumer Services Center with questions about a claim or a public adjuster.
To reach William J. Addis, call (309) 883-1078 or email William@Resolutionclaims.org. Contacting us doesn't hire anyone or sign any contract.
We explain what a public adjuster does and doesn't do, and how the written contract, fees and your cancellation rights work. We don't review your policy, letters or claim until a written public adjuster contract is signed.
Licensing facts on this page come from the following sources, checked November 2, 2026.
This page advertises public insurance adjusting services. In Minnesota, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm, through its designated licensed public adjuster William J. Addis. We work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Fee terms are set out in a written contract that you review and sign before any work begins. Fees are paid by the insured and are subject to applicable state law.
This page shows no past results. Every claim is different, and the outcome depends on the policy language, the facts of the loss, applicable state law and the insurance company’s position.
Resolution Claims Consulting, LLC, Firm NPN 20764010, Minnesota public adjusting firm license #40893260. William J. Addis, Individual NPN 18667143, Minnesota public adjuster license #40771302. Verify both through the Minnesota Department of Commerce or the NAIC license lookup.
You are not required to hire a public adjuster to file or pursue a claim. In Minnesota, you can contact the Minnesota Department of Commerce’s Consumer Services Center to ask questions or file a complaint about an insurance claim, or to check a public adjuster’s license.