Minnesota Appraisal Deadlines

Last year the Minnesota Court of Appeals held there is no deadline to demand appraisal.  For years, insurers argued that any deadline to serve a lawsuit was also the deadline to demand appraisal.  The Court of Appeals, in an opinion that is binding precedent, held...

Who Pays The Assessment?

In 2024, the Minnesota Legislature clarified which insurer must pay a loss assessment.  That is helpful for everyone involved in condo and townhome insurance. Condominium and townhome associations carry insurance to protect against sudden occurrences such as fire,...

Repair Deadlines

Insurance policies often include a deadline to complete repairs. This post discusses how property owners should think about such a deadline when an insurer claims the deadline has expired, thus it will not pay depreciation (replacement cost value). Deadlines to...

Neutrality Is Everything

Resources are finite. Property owners and their advocates need to allocate resources correctly.  People do not have time for wild goose chases.  Of all the wise fights to fight, perhaps the wisest and most cost effective is to push hard for a true, neutral umpire in...