When your insurance company underpays, delays, or denies a Minnesota property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Minnesota produces a high concentration of weather-related claims year-round — summer hail and wind, winter ice and snow loads, and cumulative damage to multifamily and commercial roof systems that carriers consistently undervalue.
Common Minnesota claim types we handle: wind and hail damage statewide; ice dam and frozen pipe losses; commercial roof systems (TPO, EPDM); multifamily storm claims.
Minnesota home insurance premiums have risen sharply in recent years. The driver isn't a single event; it's the consistent severity of severe convective storm activity year after year.
The events that produce most of our claim work:
The 2022 Twin Cities hailstorm. The May 19, 2022 hailstorm, with golf-ball-sized hail in some areas, caused extensive roof, siding, and car damage across the central and eastern Twin Cities and into Wisconsin. As of October 2023, the damage was estimated at $2.6 billion (Source: Minnesota DNR State Climatology Office, 2023).
The 2023 thunderstorm complex. The August 11, 2023 storms brought large hail and damaging winds to the Twin Cities and central Minnesota, with a preliminary damage toll of $1.5 billion through October 2023 (Source: Minnesota DNR State Climatology Office, 2023). This event affected commercial roofs (TPO and EPDM systems) heavily, which is why we've recovered so much for Minnesota commercial property owners since.
The 2024-2025 storm seasons. Spring 2025 produced multiple major hail events: the April 28, 2025 storms in southwest Minnesota with hail up to 2.75 inches (Source: National Weather Service Sioux Falls, 2025), the June 16, 2025 storms with 3.25-inch hail in Waconia (Source: National Weather Service Twin Cities, 2025), and ongoing tornado activity through the summer.
Ice dam and frozen pipe season. Minnesota winters produce a different category of claim. Ice dam losses concentrate in homes with insufficient attic insulation and ventilation. Frozen pipe claims spike during cold snaps below -20°F. These claims are technically distinct from storm claims and have their own coverage issues — particularly around the "neglect" and "wear and tear" exclusions carriers sometimes invoke.
The Upper Midwest derecho pattern. Straight-line wind events have intensified across Minnesota in recent years, producing tree damage, shingle uplift, soft-metal damage, and structural compromise that often goes undetected on initial inspection.
Hail is a recurring risk across Minnesota, not a once-a-decade event, which is why documenting storm damage promptly matters.
Minnesota's hail patterns produce damage that's often subtle — granule loss, fractured mat, soft metal damage — and easy for a carrier's adjuster to underestimate. Matching provisions in many Minnesota policies, combined with the practical impossibility of matching weathered shingles, often justify full replacement when the carrier wrote a partial repair estimate.
The Minnesota commercial portfolio — apartment buildings, schools, churches, retail — relies heavily on TPO and EPDM membrane roofs. These systems are particularly vulnerable to hail and require specialized inspection and documentation. Documented recovery on two Minnesota claims: $266,294 and $251,448.
Storm damage across a multi-building apartment property requires unit-by-unit, building-by-building documentation. Carriers consistently undersize multifamily scopes.
Ice dam damage is typically covered under standard Minnesota homeowners policies, but carriers frequently challenge causation, citing maintenance issues, roof age, or insufficient ventilation. Properly framed ice dam claims with engineering support recover what attempted denials don't.
A frozen pipe burst in a Minnesota basement produces immediate water damage, mold risk, contents losses, and additional living expenses. Coverage hinges on whether the home was "unoccupied," whether reasonable steps were taken to maintain heat, and how quickly mitigation began. Carriers contest each of these.
Minnesota tornado claims often involve outbuildings, fences, trees, and detached structures (Coverage B), which carriers undervalue. The 2022 and 2023 Minnesota storm seasons produced numerous tornado claims that closed for less than the actual loss.
Minnesota public adjusters are licensed and regulated by the Minnesota Department of Commerce under Chapter 72B of the Minnesota Statutes. Key requirements:
The Minnesota Insurance Federation and the Department of Commerce have repeatedly warned about contractor fraud and "storm chaser" solicitations after major storms. If a contractor or roofer who showed up at your door is offering to handle your claim, verify they hold an actual Minnesota public adjuster license. Most don't. Negotiating an insurance claim for compensation without a license is illegal in Minnesota.
Minnesota's largest homeowners insurance writers include:
Following the 2022 and 2023 storm seasons, several Minnesota carriers tightened underwriting on older roofs, declined to renew policies on roofs over 10-15 years old, and increased wind/hail deductibles to percentage-based structures (often 2-5% of dwelling value). Some carriers have moved to actual cash value (rather than replacement cost) settlements on older roofs. These changes affect what we can recover and how — older-roof claims need different documentation strategies than newer-roof claims under the same carrier.
Minnesota law generally sets a one-year deadline for filing hail claims from the date of the storm, though individual policies may have shorter notice requirements. This is shorter than many states. If a hailstorm hit your property — and you're not yet sure whether there's damage — get an inspection within the first few months. Hail damage isn't always immediately visible, and the year goes faster than people expect.
Many Minnesota homeowners policies contain language requiring repaired surfaces to match the rest of the property's uniform appearance. When hail damages part of a roof but the rest is intact, the matching provision often justifies full replacement — particularly when the original shingles have been discontinued or have weathered to a color that won't blend with new ones. Carriers don't volunteer this analysis. We do.
Carriers in Minnesota can decline to renew a policy at the end of its term, subject to state notice requirements and certain anti-discrimination protections. Non-renewal doesn't release the carrier from its obligation on the existing claim. We continue working active Minnesota claims through resolution even when the carrier has issued a non-renewal notice for the next term.
If your prior claim was settled for less than the actual cost to repair, supplemental claims are often viable within the policy's deadlines. Many Minnesota homeowners accepted offers from the 2022 and 2023 storms that didn't reflect the full damage. Bring us the carrier's estimate and your settlement letter — we'll tell you whether reopening is realistic.
Recent rate hardening has pushed many Minnesota carriers to percentage-based wind/hail deductibles — often 1%, 2%, or 5% of the dwelling coverage limit. On a $350,000 dwelling at 2%, that's $7,000 of out-of-pocket exposure on a wind or hail claim, regardless of how small the loss. Check your declarations page; if your deductible recently changed, you may have less effective coverage than you think.
Generally yes — ice dam-caused water damage is a covered cause of loss under most Minnesota policies. Carriers may contest causation (claiming the underlying issue was maintenance or ventilation) or attempt to apply the wear-and-tear exclusion to the ice dam itself. The damage caused by water intrusion is what's typically covered. Documentation of the ice dam event and its damage progression matters.
Minnesota does not have a statutory fee cap. Resolution Claims Consulting works on contingency — a percentage of the recovery, agreed in writing before we begin. The percentage depends on claim complexity. There are no upfront fees, no out-of-pocket costs, and no fee owed if no recovery is obtained.
EPDM commercial roof recovery
Full RCC-led recovery
TPO commercial roof recovery
Full RCC-led recovery
All case results reflect actual outcomes achieved by Resolution Claims Consulting, LLC. Client and carrier identities have been anonymized. Past performance does not guarantee or predict future outcomes.
See all selected recoveries →Important Minnesota disclosure
This page is an advertisement and a solicitation for public adjusting business by Resolution Claims Consulting, LLC. If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
Resolution Claims Consulting, LLC holds Minnesota firm license #40893260; William J. Addis holds Minnesota individual public adjuster license #40771302.
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Minnesota law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Minnesota requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is a public adjusting firm; we are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Minnesota insurance regulator. License lookup links and contact information for the Minnesota insurance department are available on our Legal Disclaimers page.
The Minnesota-specific information on this page draws on the following authoritative sources. Regulations, statutes, and market data are accurate as of publication; verify current rules with the linked regulators before relying on this information for a specific claim.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
