Causation can be determined by an appraisal panel in Minnesota. The controversy involved a hailstorm where the insurance company denied that any damage was caused by the hailstorm. The insurance company refused to go to appraisal and filed a lawsuit seeking a declaration of no coverage. The policyholder countersued seeking the court to compel appraisal to determine the amount of damage caused by the hailstorm.
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Minnesota regulates its insurance industry through the state’s Commerce Department (MCD). One of the purposes of the MCD is to investigate consumer complaints to ensure that insurance companies, agents, and adjusters are complying with all state laws and regulations. If you think that your insurance claim or policy has been delayed, wrongfully denied, or deliberately underpaid, you can file a complaint with the MCD.
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Maplewood, Minnesota resident, Micah Coburn, recently experienced the benefits of hiring a public adjuster. The help Micah received from his public adjuster, Benjamin Johnson, was detailed in a report posted earlier this week on Coburn’s home suffered a fire loss, and he hired Benjamin Johnson as his public adjuster for the personal property claim. Before hiring Johnson, Coburn was concerned that his claim would not be properly paid.

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