Claims
Prevention – It is the policyholder’s duty to prevent further damage due to a claim.
Report – Contact your agent to report a claim. In a claims emergency, you can call our after-hours line at (507) 734-3541.
Adjusting – An adjuster will be assigned to your claim and will contact you to set up an appointment. The adjuster will assess the damage, take photos & measurements, and discuss the claim with you.
Adjuster’s Report – The adjuster will take their findings back and work up a report with an estimate of any damages found.
Payment – Depending on the type of policy and the type of loss you’ve experienced, a full or partial payment may be made.
Repair/Replace – You are responsible for hiring a contractor and repairing/replacing your damaged property. Keep all your receipts for claim-related costs. These will need to be sent to the adjuster once the repair/replacement is finished.
Final Payment – Once the repair/replacement is finished and you’ve sent in all the final invoices, the adjuster will calculate a final payment.