Water Damage Insurance Claims in Minnesota

Water damage is one of the most common — and most frequently underpaid — types of property insurance claims. From roof leaks and pipe breaks to foundation seepage and appliance failures, every scenario requires proper cause identification and accurate documentation. We work with Minnesota homeowners and contractors to prepare and defend water damage claims with the evidence and detail needed for a full, fair payout.

• Roof & Flashing Leaks: We identify entry points and interior moisture damage from wind-driven rain or failed seals.

• Pipe Breaks & Plumbing Failures: Frozen or burst pipes, failed fittings, and drain backups require detailed cause and repair scoping.

• Appliance Leaks: Damage from dishwashers, washing machines, water heaters, and HVAC systems is often gradual — we prove when it’s covered.

• Interior & Structural Damage: Drywall, flooring, cabinets, insulation, and framing issues must be documented in full — not just “dried out.”

Our Water Damage Claim Process

We make sure your water claim includes all eligible damages and repair costs — backed by evidence and aligned with policy language. Here’s how it works:

• 1. Claim Intake: We review your current claim, policy, and adjuster estimates (if any) to spot gaps or missed damage.
• 2. On-Site Inspection: We check all affected areas, moisture levels, and structural materials to ensure nothing is overlooked.
• 3. Estimate Creation: If needed, we prepare a detailed repair scope or Xactimate estimate with code upgrades and local pricing.
• 4. Claim Negotiation or Appraisal: If the claim is underpaid or denied, we help negotiate or initiate the appraisal clause process.
• 5. Final Settlement: We help ensure all damages are paid and that your restoration is fully funded and ready to begin.