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.
Would you sign a business contract without reading it? Of course not. Yet every day, property owners treat their insurance policies - legally binding contracts worth hundreds of thousands of dollars - as simple renewal paperwork.
Let's break down why this matters:
Your Rights and Obligations
Your policy isn't just about what the insurance company must pay - it's about what YOU must do. While it's a small section, if you miss some or all of these requirements, and you might lose coverage during a claim.
We've seen some property owners lose significant coverage simply because they didn't understand their policy obligations. There are often exceptions, but it's best to read your policy and do what you can.
The Fine Print Matters
Think that renewal packet contains your full policy? Think again. The summary packet you get in the mail is often not your full policy, and policy changes can happen at every renewal. Every renewal is a new policy.
Time Is Everything
Most contracts have deadlines - your insurance policy has more than one. We sometimes see claims denied not because they weren't covered, but because deadlines passed unnoticed:
Reporting requirements
Documentation deadlines
Completion timelines
Notice provisions
Why Public Adjusters Matter
While we don't sell insurance, policies greatly affect how effective we can be for you within the claims process. Public adjusters are licensed claim professionals who understand insurance contracts inside and out. When you work with Parker Public Adjusting, you get:
Expert policy interpretation
Professional claim documentation
Deadline management
Coverage maximization
Claim advocacy
If you have an active property claim, or will file one soon, don't wait until you're facing a claim denial to treat your policy like the significant contract it is.
Contact Parker Public Adjusting for a complimentary claim review, and get a second opinion. Let our policy expertise ensure your coverage investment performs as it should.
