by Ed Beckmann | Sep 13, 2024 | Insurance Claims
Clients often ask me what evidence they need for appraisal. (For those new to this subject and want an overview of appraisal click here) When I answer the question of what evidence is needed, I think of three categories: proving the loss event actually happened,...
by Ed Beckmann | Aug 31, 2024 | Insurance Claims, Insurance Claims 101
After a hail or wind storm many property owners will see neighbors with new roofs, paid by insurance, and ask “why not my roof”? Same storm, same hail, so why not a new roof? The correct answer is complicated. The fact neighbors had hail damage is always relevant....
by Ed Beckmann | Jul 15, 2024 | Beckmann Law, Insurance Claims, Insurance Claims 101
Minnesota has three statutes that provide interest for insured property owners. The statutes are Minn. Stat. § 65A.01, Minn. Stat. § 549.09, and Minn. Stat. § 60A.0811. The first statute does not specify the rate and is rarely argued. The second applies to...
by Ed Beckmann | May 29, 2024 | Fraud, Insurance Claims
Minnesota condominium and townhome unit owners have insurance claims. Those can be covered by two polices: one obtained by the association, the other by the unit owner. clearly the unit owner is responsible to pursue a claim under his or her policy. Who pursues...
by Ed Beckmann | Apr 30, 2024 | Insurance Claims, Insurance Claims 101
Insurance appraisals determine the amount of loss, or scope of loss, with finality. In Minnesota that includes the cause of loss. In Wisconsin and Illinois, where I am also licensed, the case law is less certain as there is authority to suggest an insurer must first...
by Ed Beckmann | Mar 30, 2024 | Insurance Claims, Insurance Claims 101
Minnesota property owners and their advocates need to be careful when calculating deadlines for pursuing an insurance claim. For years most Minnesota property insurance policies have been constructed as all-peril policies with one deadline for filing suit. An...
