What is a Minnesota Public Adjuster?
A Minnesota Public Adjuster investigates, evaluates and negotiates the settlement of insurance claims while exclusively representing you, the owner of the insurance policy. The word Adjuster as used in the insurance industry means “one who settles claims”.
Public implies open or available for all to use, as compared to an adjuster employed or hired by the insurance company to exclusively represent their interest.
The purpose of a Public Adjuster is to assist you in achieving full financial recovery after an insured loss.
Investigating a loss involves evaluating the extent of damages and loss to determine the amount of loss. This may include determining the cause of loss. A Minnesota Public Adjuster will estimate the full and correct cost to repair or replace the damaged property. An Adjuster must understand construction and estimating to properly settle a claim.
I can assist you with these types of claims.
Homeowners and Dwelling
- Dwelling or Building
- Other Structures
- Personal Property
- Additional Living Expenses
- Loss of Rent
Commercial and Farm
- Business or Personal Property
- Additional Expenses
- Loss of Income
- Any many other endorsements
- Loss to property you own
MN License #40279355
Daryl C Johnson is a licensed Minnesota Public Adjuster.
A Minnesota Public Adjuster represents only the insured or property owner with insurance claims. A Minnesota Public Adjuster could also be called a “Private Adjuster”. Property insurance claims involve a loss. The amount of loss is estimated by adjusters. A Public Adjuster adjusts the estimate to the amount necessary to restore you to the condition you were in prior to the loss.
Insurance policies are contracts between large corporations and individuals or businesses. The disparity of economic power between an insurer and the insured can lead to abusive business practices. Therefore, governmental entities have enacted and enforced laws to regulate the insurance industry for the protection of consumers and for the preservation of the insurance system as a whole.
One method of protecting consumers is the statutory creation of Minnesota Public Adjusters to level the playing field between large insurance companies and the public.
Most people who visit my site and hire my services are having problems with their insurance company regarding their claim. Maybe the claim has been denied or the insurance company is not correctly estimating the amount of loss and the money necessary to restore the property.
This web site will answer basic questions about insurance claims and how a Minnesota Public Adjuster can help you settle an insurance claim. I can help you. Take the first step to resolving your claim by calling me at 612-369-1449 or sending an email to: firstname.lastname@example.org.
I am a Minnesota Public Adjuster, settling property insurance claims after any insured loss, including but not limited to; fire, hail, water, wind and damage to personal property.
Should you use a Public Adjuster?
Public Adjusters are insurance claim experts. In the event of damage to your property, your best bet is to hire a Public Adjuster to represent you with your insurance claim. Public Adjusters are educated and knowledgeable in insurance policies and estimating the full extent of the loss.
Has an insurance company denied your claim or failed to cover the full cost of repairs? It is your responsibility to prove the cause of loss and the amount of loss. Use a Public Adjuster to represent your interest with all insurance claim settlements.
A Public Adjuster is NOT A CONTRACTOR. A Public Adjuster represents you, the policy holder and YOUR INTEREST. Company adjusters and independent adjusters work for the insurance company, not you. A Contractor and any sales person work for the construction company.
Prior to the loss or damage to property, this property had value. Restoring you, the policy holder to the financial position that existed prior to the loss is a basic principle of insurance.
Insurance claims typically involve a substantial amount of money. Use a Public Adjuster to represent your interest with all insurance claim settlements. Daryl C Johnson is an insurance claim expert. I understand construction, construction estimating, insurance policies and claims.
Who is Daryl C Johnson?
I am a Public Adjuster with extensive construction, building knowledge and experience. I have worked as a carpenter, carpenter foreman and supervised carpenters for both new construction, remodeling and remediation. I have worked on single family homes, multifamily homes and light commercial.
I designed and built over 65 custom residential homes in the State of MN as a licensed residential home builder. I have worked with numerous architects, engineers, building officials, trade contractors, building suppliers, contractors and clients for over 32 years.
As a Public Adjuster I have used my construction and insurance knowledge to successfully settle relatively easy claims and large complex property claims.
This is not an easy business, it requires construction knowledge, estimating skills, insurance claim settlement experience and hard work. Stubborn persistence is required. Finlanders call this “Sisu”. I am a Finn!
Do You Have Questions?
Browse my web site to see if information on this site answers your questions.
YOU ALSO CAN CALL ME.
I AM WILLING TO SPEND SOME TIME ON THE PHONE WITH YOU.
I am available Monday thru Friday from 8:00 am to 8:00 pm. Sat from 9:00 am to noon.
If I do not answer, leave a message and I will call you back within 24 hours.