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Expert Insurance Claims and Restoration Services

Serving Minneapolis & Surrounding Areas

How Property Insurance Claims Work

From First Notice of Loss to Final Payment

Insurance policies are contracts that define what is covered, how losses are valued, and the steps required to make a claim. After a loss, you are responsible for preventing further damage, documenting everything with photos and receipts, and notifying your carrier promptly. An adjuster is assigned to verify the cause, scope, and cost of the damage, and to determine coverage under your policy.

Most home and commercial policies pay either Actual Cash Value (ACV) or Replacement Cost Value (RCV). ACV accounts for depreciation, while RCV reimburses the full cost to repair or replace once work is completed, less your deductible. Understanding endorsements, exclusions, sub-limits, and deadlines—like Proof of Loss and statute limits—helps avoid delays and underpayment.

Clear Steps, Transparent Communication

Epic Restoration mobilizes immediately with emergency mitigation—board-up, water extraction, structural drying, roof tarping, and debris removal—while cataloging all evidence of damage. We perform comprehensive inspections, moisture and smoke mapping, and an itemized estimate using industry-standard pricing to establish an accurate scope of loss.

We coordinate directly with your adjuster, attend onsite inspections, submit detailed documentation, and manage supplements when hidden damage is discovered. Throughout the project we maintain transparent updates, assist with mortgage company endorsements, secure permits, and close out the claim with final invoicing and completion photos.

Expert Advocacy, Documentation, and Repairs

Your advocate at Epic Restoration helps interpret your policy, align the scope of repairs with covered damage, and address code upgrade requirements where Ordinance or Law coverage applies. We guide you on deductible responsibilities, recovering depreciation on RCV policies, and navigating personal property, additional living expense, and business interruption claims.

Our team prepares complete photo logs, measurements, and line-item estimates; compiles contents inventories; and provides expert causation reports that stand up to carrier scrutiny. When discrepancies arise, we present comparative scopes and negotiate fair pricing, ensuring the final settlement reflects the true cost to restore your property.

From mitigation to rebuild, we manage qualified trades, maintain safety and cleanliness, and verify that repairs meet manufacturer specifications and local code. We streamline paperwork, offer direct billing to carriers when permitted, obtain lien releases, and walk you through every milestone until your property is fully restored.

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Local Knowledge and Fast Response

Trusted Support When It Matters Most

Weather in Minneapolis can bring hail, heavy snow, freeze-thaw cycles, and wind events that complicate claims with hidden moisture, ice-dam intrusion, and roof membrane damage. Our team understands these regional loss patterns and documents them accurately so your claim reflects real-world conditions and required repairs.

Building codes and permitting requirements in Minneapolis often impact reconstruction scope, from insulation and ventilation upgrades to electrical and life-safety standards. We factor these code-driven items into estimates and help apply available Ordinance or Law coverage so you are not left with unexpected out-of-pocket costs.

When storms strike Minneapolis, rapid response protects coverage by reducing secondary damage and preserving evidence. We dispatch 24/7, coordinate with local adjusters, and keep you informed with clear timelines and next steps, helping you move from disruption to full restoration as efficiently as possible.

Military and Veteran Discounts Available

Local crew, proven craftsmanship, done right.

Serving all of Minnesota

On-time scheduling and consistent results.

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Clear pricing before the first line is drawn.

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