Preparing Minneapolis: Does Your Property Have Riot Coverage?

2022-01-03T15:15:18-06:00

Many insurance policies contain exclusions for damages associated with “civil unrest,” “riot or civil commotion,” “vandalism or malicious mischief,” or other terms meant to exclude the type of damages many Minneapolis property owners experienced as a result of rioting shortly after the death of George Floyd.  With, the trial of former Minneapolis Police Office Derek Chauvin’s underway, many local business…

Preparing Minneapolis: Does Your Property Have Riot Coverage?2022-01-03T15:15:18-06:00

Court Orders Insurance Company to Identify Why it Denied a Claim

2022-01-03T15:16:29-06:00

Discovery disputes in litigation are usually the result of unresolved misunderstandings between the parties over the nature of the issues in dispute. Most often, discovery disputes are and should be resolved without court intervention.  Occasionally, there are bonafide discovery disputes that must be presented to the court for resolution. SJJ recently won a Motion to Compel Discovery ordering an insurer…

Court Orders Insurance Company to Identify Why it Denied a Claim2022-01-03T15:16:29-06:00

Is There a Hidden Deadline in Your Homeowners Policy?

2021-01-18T17:15:15-06:00

In prior posts, we have commented on the standard two-year time limit for suit found in many Minnesota homeowners policies that effectively serves to shorten the time in which you may make a claim for insurance proceeds. The two-year time limit for suit is generally enforceable and acts as a contractual statute of limitation. But, there are other deadlines tucked…

Is There a Hidden Deadline in Your Homeowners Policy?2021-01-18T17:15:15-06:00

SJJ Secures Another Victory for Policyholders

2021-01-08T16:20:36-06:00

SJJ attorneys already established a policyholder’s ability to recover interest on an underpaid insurance claim when the policyholder is forced to resolve it through the appraisal process in 2017 before the Minnesota Supreme Court.  Since then, some insurance companies have tried to alter their policies in an attempt to prevent policyholders from receiving interest on these underpaid claims.  

SJJ Secures Another Victory for Policyholders2021-01-08T16:20:36-06:00

SJJ Assists in Major Bad Faith Victory for Policyholders at Minnesota Supreme Court

2020-07-30T21:09:30-05:00

The Minnesota Supreme Court recently reconsidered the application of Minnesota’s “bad faith” insurance statute.  At issue was whether an insurance company has denied a claim in bad faith if it has any conceivable basis to deny the claim at all, or whether a denial must be consistent with what a reasonable insurance company would do with similar facts.  SJJ attorneys…

SJJ Assists in Major Bad Faith Victory for Policyholders at Minnesota Supreme Court2020-07-30T21:09:30-05:00

When do I get an attorney involved in my insurance claim?

2020-03-10T14:40:43-05:00

Most homeowners have little to no experience with property insurance claims. Many of us haven’t experienced accidental damage to or loss of our property because catastrophic events like house fires or wind and hailstorms don’t happen very often. And even when they do, many people avoid making insurance claims out of concerns about how that will affect their insurance premium…

When do I get an attorney involved in my insurance claim?2020-03-10T14:40:43-05:00

Court of appeals upholds material matching exclusion in minnesota policy

2019-11-25T06:00:00-06:00

In an opinion issued today by the Minnesota Court of Appeals, it upheld an insurance company’s exclusion against repairing a policyholder’s hail-damaged property with reasonably matching materials in Pleasure Creek vs. American Family. The Court relied heavily on the recent decision from the Federal 8th Circuit in Noonan v. American Family that upheld a similar exclusion. In relevant part, the…

Court of appeals upholds material matching exclusion in minnesota policy2019-11-25T06:00:00-06:00

What’s the Right Insurance Policy for my Homeowners Association

2019-10-11T05:00:00-05:00

Insurance is generally the largest budgeted expense for most homeowners associations (HOAs). But not every insurance policy is the same. So how do HOAs know whether the insurance policy they’ve purchased meets their needs? These are just some of the things HOAs need to be consider when they’re deciding which insurance policy to purchase. What is the Policy Deductible? Every…

What’s the Right Insurance Policy for my Homeowners Association2019-10-11T05:00:00-05:00

WHY DOES MY INSURANCE ESTIMATE HAVE AN ACV AND RCV NUMBER?

2019-09-23T05:00:00-05:00

After you’ve made a claim, the insurance company’s adjuster will inspect your home for damage and prepare an estimate. When you receive the insurance company’s estimate, you see that it lists two amounts for “RCV” and “ACV.” How much money do you have to make repairs? ACV is an abbreviation for “actual cash value.” ACV is the actual value of…

WHY DOES MY INSURANCE ESTIMATE HAVE AN ACV AND RCV NUMBER?2019-09-23T05:00:00-05:00

Help with Insurance Claims and Maintenance after a Storm

2019-08-28T05:00:00-05:00

It was a beautiful, sunny day, but you noticed that clouds were starting to form. Just a few hours later, the sky was dark and the winds were picking up. Hail fell, heavy winds tore through the neighborhood and your properties were left damaged. Fortunately, they were still standing. As a property manager, you know how quickly a storm can…

Help with Insurance Claims and Maintenance after a Storm2019-08-28T05:00:00-05:00