The Contractor's Guide to Smoother Insurance Restoration & Mitigation Projects

Disclaimer: This article reflects our experience managing hundreds of Minnesota property claims and is for informational purposes only. It does not constitute legal or claims advice. Every claim is unique and requires individual evaluation.

You're excellent at what you do - restoring and repairing Minnesota properties. But when insurance claims are involved, your expertise in construction suddenly meets the complex world of policy interpretation and restrictive guidelines that don't match up with real life workmanlike repairs. In this guide, you'll learn why contractors across Minnesota partner with Parker Public Adjusting to protect their work and their clients.

The Reality of Insurance Restoration

Every contractor has been there: you provide a detailed estimate based on your expertise, only to have an insurance adjuster cut critical line items or deny necessary repairs. Between communicating with stakeholders like clients and adjusters, documenting every detail, and trying to maintain your production schedule, the administrative burden of insurance work can quickly overwhelm your team.

Think about your recent insurance jobs:

• Have adjusters questioned your pricing or scope?

• Were you asked to "work within" an inadequate and unrealistic estimate?

• Did supplemental claims drag out project completion?

• Have you encountered resistance on minimum building code compliance, and building things right?

• Were you forced to explain industry-standard practices to adjusters, or asked to ignore them?

• Have projects been delayed while waiting for insurance approval?

Hidden Claim Challenges

In our experience managing hundreds of Minnesota claims, we've seen many instances where contractors weren't aware of policy provisions that could affect their work and payment:

• Some policies require work to be completed within specific timeframes

• Certain carriers are excluding things like matching, hail damage to windows, or have limitations like ACV endorsements for roofing

• Many policies have specific loss reporting and documentation requirements, which can lead to claim denials if missed

• Some adjusters may lack construction experience, resulting in confusion between coverage and workmanlike repairs

• The sometimes confusing difference between normal minimum building compliance and building code upgrade coverages varies significantly between policies

Supporting Your Clients and Your Business

Professional claim management from an experienced public adjuster means:

• Your estimates and expertise are properly supported, documented, and explained

• Documentation requirements are handled professionally, in a language that the insurance company speaks: policy language

• Payment processes are managed and tracked, often including the mortgage endorsement process

• Minimum code compliance and code upgrade issues are properly accounted for

• Supplemental claims are handled efficiently

• You can focus on performing quality work, not paperwork

Why Timing Matters

Starting work without proper claim documentation or an approved claim can put both you and your client at risk. We've seen countless cases where:

• Initial insurance estimates missed critical damage

• Claim deadlines were missed

• Supplemental claims became contentious

• Payment was delayed or denied

• Additional damage was discovered mid-project

• Minimum code compliance requirements were disputed or misunderstood

• Material price increases weren't covered

• Overhead and profit was denied

Professional claim management early in the claim helps prevent these issues, ensuring proper documentation and coverage evaluation before work begins.

The Minnesota Difference

Our state's unique challenges demand local expertise. From understanding our varied building codes to knowing regional pricing and practices, local knowledge matters in claim resolution.

Want to Learn More? Parker Public Adjusting helps Minnesota contractors focus on their work through professional claim management. Reach out confidentially to discuss how our claim expertise can support your restoration business.

Our founder Sarah Parker also provides lunch and learn presentations for contractor associations, manufacturers and suppliers, and professional groups, sharing insights from hundreds of Minnesota property claims. CE accreditation may be available for select presentations. Please contact in advance to discuss and arrange.

Contact us privately to explore how professional claim management can protect your work and strengthen your property owner client relationships.