MINNESOTA: Legislature Looks to Address Rising Insurance Premiums
One distressing trend that has become all too familiar for Minnesota residents is the rising cost of homeowner’s insurance. An increase in hail storms and major weather events is surely ...
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Regulating Noise and Nuisance in Community Associations
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“My Insurance Company Mishandled My Property Claim in Minnesota”
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Insurance companies may turn against policyholders
A fire can have a devastating impact on a person’s life. In its aftermath, an individual may be left without a home or business, and the fire may have destroyed many prized possessions stored within the property itself. Those who have fire insurance may be able to get help rebuilding their homes and their lives after such an event. However,…
Hail Storm Hits Southern Suburbs
Severe weather season in the Land of 10,000 Lakes is officially off and running. On June 4, 2019, a severe wind and hailstorm pummeled numerous areas throughout the state. High winds, torrential rain, and hail affected the Twin Cities metro area. Golf ball sized hail was reported in the southern metro, including Burnsville, Eagan, Elko/New Market, Farmington, Lakeville, Monticello, Prior…
Wildfire insurance claims continue to rise
Many people around the country are likely aware of some of the deadly fires that claimed lives and property in California in 2017 and 2018. This has caused insurance costs to soar for some homeowners. Insurance claims related to wildfires that swept through the state in November 2018 are the costliest in state history at more than $12 billion. Prior…
New U.S. Court of Appeals Case Strikes Blow to Matching Claims
In 2014, SJJ won a landmark case before the Minnesota Supreme Court that required American Family Mutual Insurance Company (“American Family”) to pay to repair property damage with reasonably matching building products. That case, Cedar Bluff Townhome Condominium Ass’n, Inc. v. American Family Mut. Ins. Co., 857 N.W.2d 290 (Minn. 2014), has been under constant attack by American Family and…
HOW LONG DO YOU HAVE TO FILE AN INSURANCE CLAIM IN MINNESOTA?
One of the primary timing limitations found in a property insurance policy is the time limit for suit. Most residential property insurance policies in Minnesota have a time limit of only two (2) years from the date of loss. The 2-year time limit is both statutory and contract based. If a claim isn’t settled and a policyholder fails to file…
Signs of Serious Roof Damage
Worried about roof damage after a major storm? Maybe your building got lashed with wind-driven rain for hours on end. Maybe hail tore into the shingles and then it started raining on top of everything else. Maybe it was the wind alone, ripping off shingles and causing damage that gives water a way to get in. The importance of a…