From city homes and lake cabins to office towers, clinics and hospitals, apartment communities, school districts, and processing and manufacturing plants, Clarke & Cohen guides Minnesota policyholders through every stage of the claim, beginning to end.

Common Property Claims in Minnesota

Hail leads the list. The Twin Cities metro, including Bloomington, Eden Prairie, and Maple Grove, ranks among the costliest hail regions in the country, with roofs, siding, and windows taking damage that often goes underestimated on first inspection. Winter brings its own catalog of losses: ice dams that force water into ceilings and walls, pipes that freeze and burst during deep cold snaps, and snow loads that stress roofs from St. Cloud to Duluth. Spring thaws push the Red River over its banks near Moorhead and raise water along the Mississippi and Minnesota rivers, while summer adds tornadoes and straight-line winds, like the storm that tore through North Minneapolis in 2011. Up north, lake homes and cabins around Brainerd face wind, tree fall, and fire losses that are complicated by seasonal occupancy. For businesses in Minneapolis, St. Paul, and Rochester, interruption and extra expense claims often carry the largest dollar amounts.

In every case, our consultants represent the policyholder alone, verifying coverage, documenting the loss in full, valuing it accurately, and presenting a claim that supports a complete recovery.