Minnesota Public Adjuster

Your Minnesota Insurance Claim Deserves a Fair Settlement

Miller Public Adjusters is a licensed Minnesota public adjusting firm that works exclusively for policyholders — not insurance companies. Hail, fire, water, wind, and ice dam damage claims handled statewide.

Licensed in Minnesota
No fee unless we recover
Serving MN policyholders

2013 Founded

BBB Accredited & A-rated

MN Licensed

$0 Upfront cost to you

How We Help Minnesota Policyholders

Minnesota Homeowners & Businesses Deserve a Fair Fight

When your insurance company sends their own adjuster, that adjuster's job is to protect the insurer's bottom line. Miller Public Adjusters works only for you — documenting every dollar of damage and negotiating the settlement your policy entitles you to.

Hail and wind damage to roofs, siding, and gutters — the #1 Minnesota insurance claim type
Ice dam damage: a uniquely Minnesota problem, causing major water intrusion each winter
Fire and smoke damage to residential and commercial property
Water damage from frozen/burst pipes, sump failures, and flooding
Tornado and severe thunderstorm damage
Mold resulting from an undocumented or improperly paid water claim
Denied or underpaid insurance claims

Minnesota Cities We Serve

Why Choose Miller Public Adjusters

Minnesota's Policyholder Advocate

We've handled hundreds of claims across Minnesota — from Minneapolis rowhouses to Duluth commercial buildings to rural farmsteads. Here's what makes Miller different.

We Work For You Alone

Unlike the adjuster your insurer sends, we are 100% on your side. Our only obligation is to maximize your recovery under your Minnesota policy.
Thorough Damage Documentation

We inspect every inch of your property — roof, interior, contents — and document damage your insurance company's adjuster may have missed or undervalued.
Expert Policy Analysis

Insurance policies are complex. We read yours in detail and identify every coverage available to you — including coverages you may not know you have.
Direct Negotiation

We handle all communication with your insurance company — so you don't have to deal with adjusters, phone queues, or lowball offers on your own.
No Recovery, No Fee

We operate on a contingency fee basis. If we don't increase your settlement, you owe us nothing. Minnesota state law regulates our fees for your protection.
Minnesota Weather Expertise

Minnesota hail seasons, ice dam dynamics, and extreme winter storm patterns are what we know best. Our adjusters have inspected thousands of MN storm damage claims.

Our Claim Process

How We Handle Your Minnesota Insurance Claim

From first contact to final settlement, here's what working with Miller Public Adjusters looks like.

01
Free Claim Review

We review your claim, policy, and the damage at no charge. We'll tell you honestly whether we can help and what a fair settlement looks like.
02
Thorough Inspection

Our adjusters conduct a detailed on-site inspection — documenting all damage to structure, systems, and contents with photos and scope reports.
03
Policy Review

We analyze your Minnesota homeowners or commercial policy in detail, identifying every applicable coverage and exclusion that affects your claim.
04
Claims Package Preparation

We prepare a comprehensive claim package — scope of damage, cost estimates, and supporting documentation — and present it to your insurer.
05
Negotiation

We negotiate directly with your insurance company on your behalf, countering underpayments and pushing back on unfair denials.
06
Settlement & Close

Once we reach a fair settlement, we guide you through the final steps so you receive your payment and can begin repairs.

A Minnesota public adjuster is a licensed professional who works exclusively for the policyholder — not the insurance company — to document, evaluate, and negotiate property damage claims. We handle the entire claims process on your behalf to maximize your settlement.

Miller Public Adjusters works on a contingency fee — we only get paid when you do. There are no upfront costs. Minnesota state law regulates public adjuster fees to protect policyholders.

Yes, in most cases. Minnesota homeowners policies typically cover water damage resulting from ice dams — but insurance companies often undervalue the true scope of the damage. A public adjuster ensures that all resulting water intrusion, insulation damage, drywall, and finishes are properly documented and compensated.

Absolutely. If your claim was denied or underpaid, we can review your policy, re-document the damage, and reopen or formally appeal the claim. Many denied claims are successfully overturned with proper professional representation.

Yes. We work with Minnesota businesses, landlords, and property managers on commercial property damage claims — including fire, storm, water, and business interruption coverage.