How to Make an Insurance Claim in Minnesota

Making an insurance claim can be a stressful experience, but it doesn’t have to be. If you’ve experienced damage to your property in Minnesota, such as from a storm or accident, it’s important to know how to make an insurance claim to get the compensation you need to repair or replace your belongings. In this article, we’ll go over the steps you should take to make an insurance claim in Minnesota.

Step 1: Contact Your Insurance Company

The first step in making an insurance claim is to contact your insurance company. Be sure to have your policy number and details of the damage or loss ready when you call. The insurance company will then assign you a claims adjuster who will guide you through the process.

Step 2: Document the Damage

Take photos or videos of the damage, as well as any other relevant evidence, such as receipts or invoices for damaged items. Make a list of damaged items and their approximate value. This information will help support your claim.

Step 3: Mitigate Further Damage

Take steps to prevent further damage, such as boarding up broken windows or covering a damaged roof with a tarp. Keep all receipts for materials and labor involved in these temporary repairs, as they may be reimbursable under your insurance policy.

Step 4: Cooperate with the Claims Adjuster

The claims adjuster will schedule a visit to assess the damage to your property. Cooperate with the adjuster and provide any documentation or information they request. The adjuster will determine the extent of the damage and provide an estimate for the cost of repairs or replacement.

Step 5: Receive Payment

Once the claims adjuster has completed their assessment, your insurance company will issue a payment for the cost of repairs or replacement, minus any deductible or depreciation. The payment may be issued in installments, depending on the terms of your policy.

In conclusion, making an insurance claim in Minnesota involves contacting your insurance company, documenting the damage, mitigating further damage, cooperating with the claims adjuster, and receiving payment. By following these steps and understanding your insurance policy, you can make a successful claim and get the compensation you need to recover from property damage or loss.

Our Story

At Intrinsic Insurance, we’re proud to be an independent, full service, Minnesota-based insurance company that’s proudly been serving our community. Our story begins with a simple goal: to provide top-quality insurance coverage and exceptional customer service to individuals and businesses throughout the state. Our founder, David Olson, saw a need for a different kind of insurance company. He believed that insurance should be about more than just selling policies; it should be about building relationships and providing peace of mind to our customers on what matters most. With this vision in mind, David started Intrinsic Insurance, and the company has been growing ever since.
At first, we focused on providing personal insurance, such as auto, home, and life insurance, to individuals and families throughout Minnesota. But as we grew, we saw an opportunity to expand our services to businesses of all sizes. Today, we offer a full range of commercial insurance products, including liability, property, workers’ compensation, and more.
One of the things that sets Intrinsic Insurance apart is our commitment to our customers. We believe that insurance should be easy to understand and easy to use, and we strive to make the process as smooth and stress-free as possible. Our agents take the time to get to know our customers and their unique needs, so we can provide personalized coverage that meets their specific requirements. Over time, we’ve earned a reputation for exceptional customer service and expertise in the insurance industry, real estate, and construction. We’re proud to have a team of experienced agents who are dedicated to providing our customers with the highest level of service and support. Our agents are knowledgeable, friendly, and always available to answer questions or help our customers file a claim.
Intrinsic Insurance is also committed to giving back to the communities we serve. We support a variety of local organizations and initiatives, including schools, nonprofits, and community events. We believe that being a good neighbor and giving back is an essential part of being a successful business. As we look to the future, we’re excited to continue growing and expanding our services to meet the evolving needs of our customers. We’re always exploring new technologies and insurance products to provide the best possible coverage and service. But one thing that will never change is our commitment to our customers and our community.
We’re proud to be a Minnesota-based insurance company, and we’re honored to serve the people and businesses of our great state. Thank you for choosing Intrinsic Insurance as your insurance provider, and we look forward to continuing to serve you for many years to come. Questions? Call David Olson 952.314.9446 or email

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