COS stands for Certificate of Satisfaction in restoration project management. Here’s how it affects your insurance claim, your contractor’s payment, and your ability to reopen a claim.
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Loss of use coverage pays for temporary housing when your home is uninhabitable after a covered loss. Here’s how it works and how to use it effectively.
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Minnesota homeowners filing water damage claims face specific coverage gaps, adjuster timelines, and documentation requirements. This guide covers what you need to know.
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Edina homeowners navigating property damage claims often ask whether a public adjuster is worth it. Here’s what you need to know before you hire one.
Read MoreMost Minnesota homeowners don’t have water backup coverage — and most find out the hard way when a sump pump fails during spring thaw. Here’s exactly what the endorsement covers, what it costs, and whether you need it.
Read MoreNot every restoration contractor in Minnesota is qualified to handle your claim correctly. Here’s exactly what to verify before signing — certifications, red flags, and the questions that separate good contractors from expensive mistakes.
Read MoreMold inspection in Minnesota costs $300–$900. But the MDH says testing before treatment is often unnecessary. Here’s when an inspection is worth it, when it isn’t, and what to ask for instead.
Read MoreA burst pipe in a Minnesota home can discharge hundreds of gallons before you reach the shutoff. Here’s the exact minute-by-minute sequence to stop the damage, stay safe, and protect your insurance claim.
Read MoreFiling a water damage claim in Minnesota correctly from day one determines how much you get paid and how fast. Here’s the exact sequence — what to document, what to say, and the mistakes that get claims denied.
Read MoreSmoke damage cleanup in Minneapolis costs $500–$15,000+ depending on fire type and scope. Protein fires and synthetic smoke are the hardest — and the ones most homeowners underestimate. Here’s the full guide.
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