Minnesota Public Insurance Adjuster Services
When your home, HOA, or business is damaged, the insurance process can feel like a second disaster—tight timelines, confusing coverage language, and carrier estimates that don’t always reflect the full scope. Gavnat Public Insurance Adjusters helps Minnesota policyholders manage the entire claim from start to finish, so you can recover faster and pursue the settlement you’re entitled to under your policy
Serving Communities Across Minnesota
We support claims throughout the Twin Cities and statewide, including:
- Minneapolis, Saint Paul, Edina, Eden Prairie, Minnetonka
- Eagan, Apple Valley, Lakeville, Burnsville, Savage, Prior Lake
- Woodbury, Maplewood, Roseville
- Plymouth, Maple Grove, Blaine, Brooklyn Park
- St. Cloud, Rochester, Duluth, Mankato and beyond
(If you’re outside these areas, contact us—many claims can still be supported depending on the loss.)
Featured Services
View All ServicesFire Damage
Fire claims often involve multiple categories—structure, contents, smoke/soot, odor remediation, and additional living expenses (ALE). We help coordinate documentation and ensure nothing is overlooked.
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Appraisals
When there’s a disagreement over the value of your insurance claim, the appraisal process can provide a structured path forward. Gavnat represents policyholders through the insurance appraisal process—preparing detailed estimates, selecting qualified appraisers, and presenting the documented scope of loss to help resolve valuation disputes efficiently and strategically.
Whether you’re facing a low carrier estimate or stalled negotiations, our team brings clarity, organization, and experienced advocacy to help move your claim toward resolution.
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Water Damage
Water spreads fast—behind walls, under flooring, and into shared building systems. We help verify scope, document conditions, and pursue proper repairs (not just surface-level fixes).
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Hail Damage
Hail can damage more than shingles—soft metals, siding, gutters, and roof components often get missed. We document, scope, and support a full claim narrative so the carrier addresses the complete loss.
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Common Challenges with Minnesota Insurance Claims
Even legitimate claims can stall or underpay when the process is driven by incomplete scope and rushed documentation. In Minnesota, we regularly see:
- Hail and wind damage that’s under-scoped (roofing, siding, gutters, window wrap, soft metals, collateral damage)
- Ice dam and winter-related water losses where causation and timelines become a dispute
- Interior water damage where drying/mitigation happens but the full rebuild scope is minimized
- Matching and uniform appearance issues for siding, roofing, flooring, cabinetry, and paint
- Ordinance & Law and code upgrade gaps that leave you paying out-of-pocket
- Back-and-forth on documentation that delays approvals and settlement progress
Our Minnesota Team
Having an expert on your side changes the entire dynamic of a claim. Policyholders choose Gavnat because we bring structure, documentation, and negotiation experience to a process that often favors the carrier’s workflow—helping you stay organized, informed, and positioned for a fair outcome.
What you can expect:
- Clear, proactive claim management
- Thorough scoping and evidence building
- Strong estimating support
- A team that understands HOA/commercial complexity
- Communication that keeps your claim progressing
Jason Callais
General Manager
Adina Bergstrom
Chief Operations Officer
Anthony Dress
Business Development
Deb Krug
Account Manager
Josh Miller
Business Development
Tim Fisher
Commercial/Industrial Specialist
Chris Skillings
Licensed Public Adjuster
Jack Edgell
Licensed Public Adjuster
Kyle Brown
Licensed Public Adjuster
Mike Pream-Anderson
Licensed Public Adjuster
Nathan Lundeen
Licensed Public Adjuster
Nathan Pierce
Licensed Public Adjuster
Zachary Boyer
Surveyor
Keith Johnson
Senior Claims Coordinator
Kaeley Degn
Administrative Assistant
Recent Results
See All Results
From $43K to $1MM – Recent Results – Hopkins, MN
A commercial warehouse in Hopkins, Minnesota experienced storm damage to a significant portion of their facility. The owners were initially offered a settlement of $43,000. They brought us in and we came to an agreement with the insurance company to pay more than $1,074,000.
233% Settlement Increase – Recent Results – Minnesota
Full Compensation for Kitchen Water Damage
$0 to $58K – Recent Results – Brooklyn Park, MN
A small, family owned furniture store in Brooklyn Park, MN suffered substantial damages to its roof after a hail storm. Upon filing a claim, they were issued a total denial of any payment by their insurance company. After a quick call to our team, we stepped in and took the insurance company head on, resulting in a settlement of over $58,000!
$2.3M Negotiated for Homeowners Association in Minnesota!
When the board at a Roseville, MN Homeowners Association faced the challenge of being dropped by their insurance carrier and dealing with an aging roofing system, they turned to Gavnat Public Insurance Adjusters for help.
During our initial inspection, our adjuster identified significant damage to the roofing system and additional property concerns. Leveraging his expertise and persistence, they negotiated a settlement for full roof replacement along with additional damages — securing $2,264,000 for the association.
Even more impressive, the entire process — from signing the claim to receiving the initial ACV payment — took just 2 months and 18 days, delivering the community a swift and meaningful recovery.
We’re continuing to advocate on their behalf and are currently supplementing for window replacement, which is expected to add another $200,000 to the claim.
At Gavnat, this result reflects what we do best: combining technical expertise, relentless advocacy, and a commitment to protecting policyholders when they need it most.
$8.2M Recovered Without Appraisal!
In a Minneapolis Suburb, a hailstorm impacted 41 multifamily buildings. When the insurance claim was filed, the carrier brought in an engineer who concluded there was no storm-related damage—ultimately leading to a denial of the claim. After reviewing the engineering report and conducting our own thorough investigation, Gavnat challenged the denial. We provided evidence that contradicted the engineer’s findings, and the carrier ultimately agreed, issuing a $2.4 million scope for full roof replacement. During our inspection, we also identified significant damage to the windows—damage that had not been accounted for in the carrier’s initial assessment. Through persistent communication, accurate documentation, and strategic negotiation, we worked with the carrier to secure an additional $5.8 million for window replacement. All of this was accomplished without the need for appraisal, saving the association time and additional legal expense!
From 179K to 28M – Appraisal Success for Condominium Complex!
The insurance carrier initially evaluated the loss at $179,000, including limited consideration for metal components. After conducting a comprehensive assessment with our team of experts, it was clear the full scope of damage was not properly captured, and the carrier declined to approve our findings. We proceeded to appraisal to ensure a fair and accurate resolution.
The appraisal panel ultimately awarded $28,391,109, recognizing the true extent of the loss. The final award included full replacement of the modified bitumen roofing systems, all sheet metal components, HVAC systems, and skylights—delivering a significantly more accurate outcome aligned with the property’s actual damages.
Preserving Historic Architecture – from 21K to 14.9M – St. Paul, MN
Gavnat was engaged to support a historic condo building after a hail storm in August 2023. Built in 1887, this condo building required multiple specialists to evaluate its unique architecture and metals – specifically copper. After an initial insurance estimate of 21K for damages, Gavnat was brought in for our expertise, along with external experts to negotiate this claim up to its policy limits of 14.9M. Through collaboration and expertise, this claim was successfully resolved without appraisal or legal intervention to maximize the endorsements of the policy and keep this historic building’s charm!
From $28K to $2.63M – Recent Results – Minnesota
A contractor brought Gavnat in to help a townhome association in Southern Minnesota whose carrier only approved 28k in siding damage throughout the entire association. Gavnat performed a full scope of the property, documenting damages to the roofing and siding before the adjustment. Gavnat met with the carrier’s adjuster; he agreed that the roofs were damaged but wanted to hire an expert for the siding. Gavnat collaborated with their expert onsite, and agreed with our itel reports. Therefore, 19 of the 20 buildings were approved for full siding replacement. The settlement went from 28k and minor siding repairs on 19 of the 20 buildings to Full Roof replacement on all 20 buildings as well as full siding replacement on 19 of the 20 buildings for $2.63M. The building that did not receive full siding received 2 elevations that were damaged.
Over $10MM More – Recent Results – Wisconsin
A dairy manufacturing plant in western Wisconsin suffered substantial loss due to a large fire and the ensuing disruption to production and lost business. They attempted to handle the claim themselves but found it too challenging to navigate. The insurance company offered a $16,376,112 settlement. Gavnat stepped in to help, provided an appraisal and negotiated a more equitable resolution in excess of $25MM – over $10 million more!
$275,000 More – Recent Results – Minnetonka, MN
A family in Minnetonka, Minnesota experienced a severe fire due to an electrical failure. They brought us in immediately and our team of experts worked with the insurance carrier and managed the claim from day one. The initial settlement offer came in at $305,765. We knew the amount was low and we continued to fight for our client until we reached a fair settlement of $580,384.
Nearly $800K Increase – Recent Results – Blaine, MN
After a tragic residential fire loss in Blaine, Minnesota, the homeowner received an initial settlement of just $127,000. The policyholder brought in our team of licensed experts to evaluate and document both the physical structure and damage to personal contents. Gavnat increased and settled the overall loss at $916,000.
$1.2 Million Bump – Recent Results – Janesville, MN
A business owner in Janesville, Minnesota suffered extensive fire loss and was initially offered $123,675 for damages by the insurance carrier, which included loss of revenue during repairs. The owner brought the Gavnat team in to take control of the situation. We helped the business owner reach a settlement of $1,310,062.
238% Increase – Recent Results – Brooklyn Park, MN
A townhome association in Brooklyn Park, Minnesota was initially offered a $1.3 million settlement after a hailstorm damaged multiple buildings. The association brought us in to negotiate the settlement and we helped bring that number up to more than $4 million—a 238% increase.
Settlement Doubled – Recent Results – Blaine, MN
After a hailstorm damaged a significant portion of a homeowner’s property in Blaine, MN, his insurance company offered a little over $28,000 to cover the damages. Underwhelmed by this offer, a call was made to the team at Gavnat and Associates, and a settlement was recently reached for $60,150, more than double the original offer!
+270% – Recent Results – Inver Grove Heights, MN
After a hailstorm damaged a large portion of the roof of an apartment complex located in Inver Grove Heights, MN, their insurance company offered a settlement of $386,271 to cover the damages. The owner of the complex gave our team a call, and we discovered that the damage was far more extensive than the insurance company claimed it was. We got in contact with the insurance company directly, and we recently reached a settlement for over $1,444,000 — an increase of 270%!
New Roof Covered – Recent Results – Burnsville, MN
When a hailstorm damaged the roof of a small apartment complex in Minnesota, the owners filed a claim with their insurance company, only to be issued a total denial of payment for any of the damages. A quick call to Gavnat and Associates got them a completely new roof and a settlement of over $72,500!
From $0 to $1MM – Recent Results – Woodbury, MN
A townhome association suffered some pretty severe hail and wind damage to a few of their properties after a storm in Woodbury, MN. Upon filing, their insurance company issued a total denial of all losses and refused to pay anything. The owners then called us, and a settlement was recently reached with the insurance company for over $1,143,000!
$100K Increase – Recent Results – Anoka, MN
Last year, an independently owned machine shop/commercial property suffered hail damage after a rather severe storm. The owner filed a claim with his insurance company, and they offered to pay only $17,684 for damages. That’s when he called us. After some negotiations, a settlement for over $122,000 was reached.
Why Use a Public Insurance Adjuster in Minnesota?
What’s New at Gavnat
Stay up to date with Gavnat’s latest news, events, and industry insights. From recent claim wins to community involvement, see how we’re serving property owners and growing nationwide.
