Roeder Smith Jadin, PLLC
Property Insurance | Construction Defect | Community Associations
Serving Our Clients With Integrity, Honesty & Tenacity

Free Initial Consultation

Toll Free: Local:


Free Initial Consultation

Toll Free: 800-342-2710

Local 952-314-5226


Minnesota couple fights insurance claim denial

Insurance is one of the requirements for a safe, secure home. Property and the buildings on it are often the main investment that an owner or family has at their disposal, and proper coverage in case of damage or theft help make sure this investment does not lose value due to accidents or crime.

Policies must be carefully reviewed, either by the owner or a legal representative, to check that relevant claims will be honored by the insurer. Failure to pay out for a legitimate claim can land the insurer -- and the insured -- in an escalating situation of disputes.

A married couple in Minneapolis is locked in a battle to receive a full claim from their insurance company after wind damaged the roof of their house. Although a home inspection signed off on the roof when they bought the house two years earlier, the insurer refused to cover the cost of its replacement.

The company's offer to cover damage from wind-lifted shingles and resultant interior damage fell more than $5,000 short of the cost of a new roof. It claimed that previous repairs led to a preexisting defect of the house. A spokesperson stated that home inspections are not conducted by or on behalf of their company.

The Twin Cities residents filed complaints with the Minnesota Attorney General's office and the Minnesota Department of Commerce. These are essential steps in challenging an insurance company's claims denial, and legal representation can help facilitate these complaints or resultant mediations or court actions.

Source: WCCO, "Mpls. Couple Has Insurance Warning For Homeowners," Liz Collin, accessed Sep. 15, 2017

No Comments

Leave a comment
Comment Information