Consumer Tips

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Auto‍ ‍|‍ ‍Homeowner‍ ‍|‍ ‍Weather‍ ‍| Misc.

*The information presented is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice.

Auto

    • Insurance pricing is based on long-established actuarial principles, state regulations, risk factors, and real-world costs.  

    • Insurers use a number of rating factors including location and credit-based insurance scores to accurately predict risk.   

      • Local risk factors include traffic density, road conditions, or diver behavior.   

        • Also sees higher rates in areas of vehicle theft or vandalism.   

        • Some areas see higher rates that are prone to severe storms.   

        • Utilize zip codes to apply a fair risk-based pricing model.   

      • Credit-based scores predict claims.   

    • Maintain a good driving record and credit score. Avoiding crashes and traffic violations is one of the biggest factors influencing your premium. 

    • Shop around. Every company prices their products differently. Coverages differ between companies, and even within companies. 

    • Look for discounts. Many insurers offer discounts for things like low mileage, taking defensive driving courses, ensuring multiple vehicles, or having safety features on your car. 

    • Increase your deductible. A deductible is the amount you pay out of pocket before your insurance kicks in. This lowers your premium but increases the amount you will pay out of pocket if you have a claim. 

    • Consider bundling your home and auto insurance with one company. 

    • Pay your annual premium all at once. Many insurers charge a fee for dividing your premium into monthly payments. 

    • Consider a “pay-per-mile” insurance policy. If you work remotely or don’t drive often. You are charged a flat daily rate with a per-mile surcharge (typically a few cents per mile). 

    • Premiums rise because claims costs rise. The more insurers pay out in claims, the higher premiums must go.    

    • Insurance is a lagging indicator in the economy. The industry is still trying to catch up from enormous price increases due to inflation over the past several years.  

    • Vehicle repair costs have skyrocketed. Newer vehicles with advanced technology, lightweight materials, and expensive safety features cost significantly more to repair. 

    • Climate change. More severe storms mean more auto insurance claims. 

    • Lawsuit costs. Excessive or frivolous legal claims are often pursued by law firms seeking large settlements, even in cases where liability is unclear or exaggerated. 

    • Yes!  

      • As drivers get older, their rates may decrease.   

      • If driving infractions have fallen off your driving record, your rates may decrease.   

      • Driving safely for three years after an accident or other infraction may also help.  

      • Moving to a new location may cause auto insurance premiums to go up or down.  

      • Buying a new car may cause auto insurance premiums to increase or decrease.  

      • Participating in an insurer's app-based program to track driving habits may cause auto insurance premiums to increase or decrease.  

      • Drivers with poor credit (below 580) may pay about 69% more for car insurance than those with exceptional credit scores (800 or above).  

      • Don’t forget the rebates many policyholders received during covid… 

    • Vehicle repair costs have increased in recent years due to parts and labor.  

      • Parts  

        • Rising Costs of Parts. The cost of car parts, especially those with advanced technology or made from lighter materials, has been on the rise.  

        • Supply chain disruptions. Global supply chain issues can limit the availability and drive up the price of car parts.  

        • Advanced features. Modern vehicles often have complex features like automatic braking systems or lane departure warnings, requiring specialized and expensive replacement parts.  

        • Repair Techniques. Modern repair techniques often involve sophisticated tools and procedures. These can be more expensive than traditional methods.  

        • Safety Regulations. Stricter safety regulations can sometimes require the replacement of entire parts instead of repairs, further increasing costs.  

      • Labor  

        • Labor Costs. The cost of skilled labor for auto body repairs has increased.  

        • Technician Training. Mechanics working on modern cars with advanced features often require specialized training.  

        • Technician Shortage. There's also a shortage of qualified technicians in the auto repair industry, which can drive up wages. 

    • Break-ins surge as thieves target vehicles with bags, electronics, or gear visible inside. Prevention tips:  

      • Always lock your vehicle and take your keys.  

        • Many thefts happen when drivers leave their cars running or unlocked, even for a quick errand.  

      • Park in well-lit areas, and keep valuables out of sight — or better yet, out of the car.  

      • Install a visible deterrent like a steering wheel lock, or enable features such as vehicle tracking, alarm systems, or immobilizers if your car is equipped with them.   

      • Never leave your keys or key fob inside the vehicle, even in your garage.   

      • Don’t leave garage door openers in your car.  

        • A visible garage remote can give thieves easy access to your home, especially if your address is on documents inside the vehicle. 

    • Crashes are often caused by distracted or impaired driving, speeding, following too closely, fatigue, or not wearing a seat belt. Prevention tips:  

      • Get a pre-trip tune-up: check tires, fluids, brakes, and lights.   

      • Don’t drive drowsy: take turns or take breaks.  

      • Never get behind the wheel after drinking. Designate a sober driver or call for a safe ride home.  

      • Plan for weather, construction zones, and detours. Allow extra travel time to reach your destination. 

  • National highway data show that 24% of all weather-related vehicle crashes occur on snowy, slushy, or icy pavement, and Minnesota safety officials say that “while summer months are the deadliest on Minnesota roads for fatal crashes, wintertime leads to the most crashes.” These crashes drive up the number of auto insurance claims filed during the winter months.

    Before you go:

    • Give your car a winter checkup. Make sure your battery, tires, wipers, lights, and fluids are winter-ready, clear all snow and ice from the vehicle (including the roof), keep the gas tank at least half full, and check weather and road conditions so you can slow down or change plans instead of risking a crash and a claim.

    • Pack your trunk for emergencies. A snow shovel and a bag of salt (or kitty litter) will help you dig your wheels out of a ditch and give them traction on snow or ice; a blanket will keep you warm and bottles of water will keep you hydrated in case you get stuck.

  • According to National Highway Traffic Safety Administration (NHTSA),  “failure to keep in proper lane or running off the road” and “driving too fast for conditions” are the two of the most frequent poor driver behaviors. Challenging winter driving conditions compounds these behaviors. Here are five winter driving tips that will reduce the risk of being in a crash:

    • Slow down and back off.  Accelerating, turning, and stopping all take much longer on snow and ice so drive to conditions, leave 10 seconds or more between you and the car ahead, and turn off cruise control so you stay in full control of the vehicle.

    • Allow extra time. Trips can take longer when you encounter storm conditions or icy roads. Check the forecast and road conditions at 511mn.org , leave early so you’re not rushing, and change your plans if travel is not advised. Better to arrive late than risk a crash and an avoidable claim.

    • Make sure you can see and be seen. Clear all snow and ice from windows, mirrors, headlights, and brake lights before you drive, and use your headlights in snow, sleet, or low light so other drivers can see you sooner and have more time to react. Good visibility reduces the chance of sudden braking, skids, and multi-vehicle crashes.

    • Know what to do if you start to skid. Stay calm, ease off the accelerator, and gently steer in the direction you want the front of the vehicle to go. Never slam on the brakes, which can make the skid worse. If you have anti-lock brakes, press the brake pedal firmly and steadily; if not, pump the brakes gently to regain control.

    • Avoid distractions. Put your phone away, set your GPS and music before you start driving, and keep both hands on the wheel so you’re fully focused on changing winter road conditions.

    • Never drive impaired. Alcohol, drugs (including some prescription or over-the-counter medicines), and even extreme fatigue all slow reaction time and impair judgment, especially dangerous on winter roads. Plan a sober ride, designate a driver, or stay put; it’s always safer and far less costly than a DWI or life-altering crash.

    • Check for injuries and call 911 if anyone is hurt or if vehicles can’t be safely moved.

    • If possible, move your car out of traffic, turn on hazard lights, and stay in your vehicle with your seatbelt on or move to a safe place away from passing vehicles.

    • Exchange information with the other driver, take photos of the scene and damage, get witness names if you can.

    • Contact your insurance company or agent as soon as possible to start the claims process.

*The information presented is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice.

Home

    • Start by talking with an insurance agent and reviewing your coverage and consider raising your deductible.  

      • Take time to shop around.  While most insurance companies are experiencing the same losses and financial challenges, it pays to compare policy options and prices from different companies.  

      • Consider “bundling” your home and auto policies with the same insurer.  Many companies offer a discount if you buy both polices from them.  

      • Improve home security.  Many companies offer discounts for home security systems, doorbell cameras, or other ways to make your home safer.  

      • If you feel confused, contact the Insurance HelpLine.  The help line is a free service sponsored by IFM that offers non-biased answers to insurance questions. Dedicated, knowledgeable experts field questions on many types of insurance. 

    • Taking time to understand what coverage you do and do not have in your policy will benefit you down the road.  

      • Ask about gaps in your coverage and how to fill them.  

      • Ask about what other coverages may be available, including higher limits or “endorsements” to your policy that might cover specific items.  

      • Inform your agent about any significant changes to your property or its value so the policy limits can be adjusted.  

      • Discuss whether a higher or lower deductible may be right for you.  

        • A higher deductible will likely lower your homeowner’s insurance premium, though you will pay more out of pocket if you need to file a claim.  

      • Ask your agent about available discounts such as those for installing a security system, bundling your home and auto policies, or maintaining a claims-free record over time. 

    • Homeowner’s policy will include one of two types of coverage, or a combination of both. These determine how the insurance company calculates your payout when you file a claim: 

      • Actual Cash Value (ACV) 

        • Pays for depreciated value of your home or belongings at the time of the loss. Factors in age, wear and tear, and obsolescence, meaning you may not get enough to replace damaged items with brand-new ones. ACV means lower premiums, but you’ll receive less money for a claim. 

          • Example: Your 10-year-old roof gets damaged in a storm. A new roof costs $15,000, but due to depreciation, the insurer values your current roof at $6,000. 

          • CV policy payout = $6,000 minus deductible. 

          • You will need to pay the additional $9,000 out-of-pocket to replace the roof. 

      • Replacement Cost Coverage (RCC) 

        • Pays full cost to repair or replace your home or belongings without depreciation. RCC ensures you can buy new items or rebuild your home at today’s prices. RCC means higher premiums, but better financial protection. 

          • Example: Your 10-year-old roof is damaged. A new roof costs $15,000, and under RCC, the insurer pays the full amount (minus deductible). 

          • RCC policy payout = $15,000 minus deductible 

    • Your home – Pays for damage to the home’s structure caused by covered perils, such as fire, wind, hail, and lightning.

    • Other structures – Covers detached structures like garages, sheds, and fences.

    • Personal property – Protects personal belongings, such as furniture, electronics, and clothing, against theft or damage from covered perils.

    • Liability – Provides protection if someone is injured on your property and you are found responsible.

    • Additional Living Expenses (ALE)/Loss of Use – Pays for temporary living costs if your home becomes uninhabitable due to a covered event.

    • Flood Damage – Homeowners insurance does not cover flooding; separate flood insurance through the National Flood Insurance Program (NFIP) is required. Visit FloodSmart.gov for more information.

    • Sewer Backup – Damage from sewer or sump pump backup is not covered unless a specific endorsement is added.

    • High-Value Items – Standard policies may have limits on jewelry, art, and collectibles, requiring additional riders for full coverage.

    • Neglect & Maintenance Issues – Damage caused by wear and tear, mold, or pest infestations is typically excluded.

    • Business-Related Losses – If you operate a home business, standard policies may not cover business equipment or liability.

    • Earthquakes & Land Movement – Damage from earthquakes, sinkholes, or landslides requires separate coverage.

  • Proper coverage ensures that you are fully protected against unexpected losses and won't face significant out-of-pocket expenses when filing a claim.

    • Fully Rebuild After a Disaster - If your home is damaged or destroyed by fire, storms, or another covered event, your policy should cover the full cost to rebuild at today’s prices. Underinsuring means you may have to pay out of pocket for repairs after a total loss. For example, if rebuilding costs $350,000 but your policy only covers $250,000, you’ll have to cover the $100,000 gap to return your home to its pre-loss condition. You may have to take out loans or deplete savings to cover the shortfall.

    • Protect Personal Belongings - While your furniture, electronics, clothing, and valuables are typically covered, high-value items like jewelry or collectibles may need additional coverage.

    • Lawsuits and Liability Risks - If someone is injured on your property, you could be sued for medical expenses, lost wages, and legal fees. Standard policies provide $100,000–$300,000 in liability coverage, but lawsuits can cost much more. For example, if a guest slips on your icy driveway and sues for $500,000, but your policy only covers $300,000, you could owe $200,000 out of pocket.

  • An annual review is the best way to ensure your policy reflects current risks and coverage needs.

    • Discuss whether your current coverage is enough to rebuild your home in the event of a loss. Your homeowner’s policy will include one of two types of coverage: Actual Cash Value (ACV) or Replacement Cost Coverage (RCC). These determine how the insurance company calculates a payout when you file a claim. ACV pays for the depreciated value of your home or belongings at the time of the loss, while RCC pays the full amount needed to rebuild from the ground up at today's construction and labor prices.

    • Evaluate your personal property coverage to ensure adequate protection. Personal belongings are typically covered for 50%-70% of dwelling coverage, but high-value items like jewelry, electronics, and collectibles may require additional policy “riders.”

    • Make sure you have enough liability protection, as standard policies may only offer $100,000-$300,000 of coverage. That might sound like a lot but it might not be enough in the event of a lawsuit. For example, if a neighbor sues you for $500,000 after slipping on your icy driveway, your standard homeowner’s policy with $300,000 in liability coverage could leave you responsible for the remaining $200,000, making it wise to boost your limits or add umbrella insurance for extra protection.

    • Identify potential gaps in coverage by reviewing common policy exclusions. For example, standard homeowners’ insurance does not cover floods or sewer backups, meaning separate policies or endorsements may be needed. Given Minnesota’s unpredictable weather, homeowners should check if they need flood insurance through the National Flood Insurance Program (NFIP). Visit FloodSmart.gov for more information.

    • Because claims costs have increased, insurers have had to increase home insurance premiums. Consider shopping around for competitive rates and explore options like higher deductibles or bundling policies while maintaining adequate protection against escalating claims expenses.

  • Knowing what’s covered and what’s not under your homeowners policy prevents surprises if you have to file a claim. An annual conversation with your insurance agent is important, especially with winter storms around the corner. Here are several questions to ask your insurance agent now:

    • Are ice dams and roof leaks covered, or only if there’s interior damage?Policies often cover resulting damage (like water stains, ruined drywall, or flooring) from an ice dam, but not always the cost to prevent or remove the ice dam itself. Ask what’s covered and what’s not.

    • If a tree or heavy snow damages my home or garage, what does my policy pay for? Many policies cover repairs to the structure and sometimes a limited amount to remove fallen trees. Ask about limits for debris removal and whether detached structures (garage, shed, fence) are covered the same way.

    • Are there any winter-related exclusions or maintenance requirements I should know about? Some claims can be denied if the insurer believes damage was caused by neglect (e.g., not maintaining heat, ignoring known leaks). Ask what winter maintenance they expect so you don’t accidentally put coverage at risk.

    • If a pipe bursts, what’s my deductible? Your deductible is the amount you pay out of pocket before insurance kicks in. Ask your agent what dollar amount applies to water damage claims and whether it’s different from your standard deductible. For example, you may have a special wind/hail deductible that is a different amount.

    • Do I have coverage for water backup/sump pump failure? A typical policy does not cover water that backs up through sewers, drains, or a sump pump. Ask if you have this endorsement now, what the coverage limit is, and whether it’s worth increasing that limit.

    • How does loss-of-use/additional living expense work if we have to move out during repairs? Loss-of-use (or Additional Living Expense) helps pay for extra costs like a hotel or short-term rental if a covered loss makes your home unlivable. Ask what triggers this coverage, what the daily or total limits are, and how long benefits can last.

    • Take steps to prevent frozen pipes and safeguard your home during cold spells.  

      • Keep the heat on. Maintain an indoor temperature of at least 55°F, even if you are away from home.  

      • Let faucets drip. Allow cold and hot water to trickle from at least one faucet during extremely cold weather to keep water moving through the pipes.  

      • Open cabinet doors. Open cabinets under sinks in the kitchen and bathroom to let warm air circulate around plumbing, especially if they are located on an exterior wall.  

      • Insulate pipes. Use pipe insulation or heat tape to protect exposed pipes in unheated areas like basements, crawl spaces, attics, and garages.  

    • If you do experience damage caused by freezing pipes, take immediate action.   

      • Turn off the water. If a pipe bursts, turn off the main water supply immediately to minimize damage.  

      • Document the damage. Take photos of any damage before starting cleanup or repairs.  

      • Contact your agent or insurance company as soon as possible to begin the claims process. 

    • Don't rush to sign repair contracts.   

      • Do your homework, deal with reputable contractors and get references.  

      • Check the licensing status of any contractor with the Minnesota Department of Labor and Industry.  

    • Be wary of unlicensed, unauthorized, and potentially fake companies and individuals that try to sell you “package protection coverage” for lost, stolen, or damaged packages.  

      • Unlicensed entities are not legally allowed to sell insurance products and may claim these products are warranties, guarantees, or protection plans.  

      • Often, these illegitimate companies and individuals will take your payment but won’t give you the protection you paid for.  

      • If this happens, your state’s department of insurance (DOI) may not be able to help if the company or person is not licensed by your state’s DOI to sell legitimate insurance.  

    • Unoccupied homes are more vulnerable to break-ins when families are away.  

    • Thieves often target homes that show signs of being empty, such as piled-up mail or dark windows at night. Prevention tips:  

      • Lock all doors and windows and set your home security system when you leave.  

      • Ask a neighbor to keep an eye on things while you are gone. Have the post office hold your mail and stop all deliveries.   

      • Use timers for lights and avoid posting vacation updates online until you return.   

    • Preparing the outside areas of your home can help you limit risk. 

      • Clear your gutters so water is able to flow away from your home.   

      • Check your sump pump on a regular basis and consider a battery-backup system in case the power goes out.   

        • Remember: Homeowners insurance does not cover flooding; separate flood insurance through the National Flood Insurance Program (NFIP) is required. Visit FloodSmart.gov for more information.   

      • Sewer Backup: Damage from sewer or sump pump backup is not covered under a standard policy unless a specific endorsement is added. 

      • Tree Maintenance. Your home should be at least a full-grown tree’s height away from the base of any tree, usually about 40 feet away. 

    • Backyard barbecues and fire pits are summer staples, but they’re also a leading cause of summer house fires and liability claims.  

      • Gas grills account for the majority of incidents, often due to leaks, improper cleaning, or placement too close to structures.  

      • Prevention tips:  

        • Place grills and fire pits at least 10 feet from any structure, including homes, garages, and decks.  

        • Never leave fires unattended, and keep a hose or fire extinguisher nearby.  

        • Ensure coals and embers are fully extinguished before walking away.  

        • Propane tanks for grills should be stored outdoors, in a well-ventilated area, and away from heat and ignition sources. 

    • Warm weather means more time outdoors, and more risk of injury, especially for kids. Many of these accidents occur at home and can lead to expensive liability claims under homeowners insurance. Prevention tips:   

      • Install fencing and self-latching gates around pools.   

      • Use safety nets and padding on trampolines.   

      • Regularly inspect equipment for wear, secure it to the ground, and supervise children during use. 

  • In Minnesota, insurers paid an estimated $589 million in 2024 for “water damage and freezing” claims, many of them involving burst pipes, ice dams, and other winter-related problems. Nationally, frozen and burst pipes account for about 22% of all homeowners insurance losses, according to the Insurance Information Institute.

    • Start by removing leaves and debris from gutters so melting snow can drain instead of backing up and refreezing at the roof edge causing ice dams and ceiling leaks. If you’ve had ice dams before, ask a roofing or insulation contractor about long-term fixes like added insulation.

    • Keep your home at least 65°F, add insulation in attics/basements/crawl spaces, and wrap exposed pipes, especially in garages and along exterior walls.

    • Know where your main water shutoff is so you (or a plumber) can quickly stop the flow if a pipe bursts; water/freezing losses are among the costliest winter homeowners claims.

  • Take steps to keep you and your family safe when temperatures drop and the need to heat Minnesota homes increases.

    • Have your furnace professionally serviced and clear any lint or debris from exterior furnace and dryer vents.

    • Make sure all space heaters are three feet away from anything that can burn and never use them to dry gloves/boots/clothes. Plug heaters directly into the wall – never use extension cords or power strips – and turn off when leaving the room or sleeping.

    • Check and replace batteries in smoke alarms at least twice a year, including now that the heating season has begun.

  • There were 228 home heating fires in Minnesota in 2022, 60% of which started in a fireplace or chimney. A few simple fireplace and chimney precautions can make a big difference in preventing fire damage and danger.

    • Get a yearly chimney inspection and cleaning before winter use to prevent creosote and blockages, and burn only dry, seasoned hardwood (no trash, wrapping paper, or wet/green wood).

    • Keep a three-foot clear zone around the fireplace, use a screen or closed glass doors to stop sparks, and build smaller fires rather than overloading the firebox.

    • Put ashes in a metal, lidded container outside (never in garage or on a deck) since they stay hot 24–72 hours.

  • The National Weather Service says Minnesota homes are at higher risk for carbon monoxide buildup during winter, when the heating system is in use and the home has been sealed and insulated against the cold.

    • Carbon monoxide can accumulate from wood stoves, fireplaces or charcoal grills, furnaces, water heaters, boilers, gas cooking stoves and clothes dryers, gas or kerosene space heaters and automobile exhaust.

    • Install carbon monoxide alarms on every level and near bedrooms and never run vehicles or generators in an attached garage.

*The information presented is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice.

Weather & Natural Disasters

    • What a standard policy covers  

      • Your home – Pays for damage to the home’s structure caused by covered perils, such as fire, wind, hail, and lightning.  

      • Other structures – Covers detached structures like garages, sheds, and fences.  

      • Personal property – Protects personal belongings, such as furniture, electronics, and clothing, against theft or damage from covered perils.  

      • Liability – Provides protection if someone is injured on your property and you are found responsible.  

      • Additional Living Expenses (ALE)/Loss of Use – Pays for temporary living costs if your home becomes uninhabitable due to a covered event.  

    • Flood Damage – Homeowners insurance does not cover flooding; separate flood insurance through the National Flood Insurance Program (NFIP) is required. Visit FloodSmart.gov for more information.  

    • Sewer Backup – Damage from sewer or sump pump backup is not covered unless a specific endorsement is added.  

    • High-Value Items – Standard policies may have limits on jewelry, art, and collectibles, requiring additional riders for full coverage.  

    • Neglect & Maintenance Issues – Damage caused by wear and tear, mold, or pest infestations is typically excluded.  

    • Business-Related Losses – If you operate a home business, standard policies may not cover business equipment or liability. These losses may be covered by a separate policy.  

    • Earthquakes & Land Movement – Damage from earthquakes, sinkholes, or landslides requires separate coverage. 

    • A standard homeowners insurance policy does not cover floods.   

    • Benefits  

      • Financial protection. Flood insurance helps cover repairs, including structural damage, flooring, electrical systems, and personal belongings.  

      • Coverage beyond federal disaster assistance. FEMA and state disaster assistance is often limited and only available if there is a formal disaster declaration. Flood insurance pays for damage regardless of disaster declarations, providing a more reliable safety net.  

      • Affordable compared to out-of-pocket costs. The average NFIP policy in Minnesota costs about $950 per year, but flood repairs can easily exceed $50,000. In addition, homeowners not in high-risk areas may qualify for lower-cost policies that still provide protection.  

      • Protects home equity and property value. Minnesota homes in low-lying or river-adjacent areas face repeated flooding risks, which can decrease property values. Having flood insurance ensures you can repair your home without taking on massive debt, keeping your investment secure.  

      • Protects against the unexpected. Minnesota experiences rapid snowmelt, spring floods, and heavy rains that can lead to flash flooding. Even homes outside designated flood zones can suffer damage, making flood insurance worth considering.  

    • Assess your risk and determine if flood insurance is right for you. Contact a local insurance agent to explore coverage options through the National Flood Insurance Program.  

    • Check if your city or county is in the Community Rating System. If you live in one of the 1,500 participating communities, you can get a flood insurance discount. If not, reach out to city or county officials and encourage them to join.  

    • Get an elevation certificate. Document your home's elevation with an elevation certificate. Comparing your home's elevation to the estimated height of floodwater can reduce your insurance costs.  

    • Keep important documents dry. Store copies of birth certificates, passports and insurance papers in a watertight safety deposit box.   

    • Take a household inventory. Take photos and videos of major household items, like heaters, sofas and TVs. Keep these documents in your watertight safe or save digital copies in a safe place.  

    • Clean your gutters. Toss out leaves and other debris from your gutters and downspouts. This will help keep water from overflowing.  

    • Maintain your sump pump and install a water alarm to protect your basement from damage. 

    • Don’t wait until after a storm to discover your policy lacks necessary coverage. Talk with your insurance agent and learn your options before you face storm damage.  

      • Review your insurance policies as they relate to your home. If you have any questions, reach out directly to your provider.   

      • Standard policies cover sudden/accidental water damage caused by internal sources.   

        • I.e. Burst pipes, appliance malfunctions, or rook leaks caused by rain or melting snow.   

        • A rider, or amendment, might be included or available in the policy for a reasonable price.   

      • Standard policies do not cover damage caused by flooding from external sources.  

        • I.e. overflowing rivers, heavy rain, or water rising from the ground.   

        • A separate insurance policy is required for flood like events.   

        • Consider adding flood insurance to your policy.   

    • Take steps to prepare for any water event regardless of coverage.  

      • Keep your gutters clear, make sure water can flow away from your home, and check your sump pump on a regular basis. Select a sump pump with a backup battery.    

      • Secure outdoor objects like furniture, gutters, and downspouts. Loose items and equipment can be picked up by the wind and cause damage to your home.  

      • Evaluate your property to determine if any areas might be prone to water intake.  

      • Maintain trees on your property by trimming them back 40 feet from your house, as recommended by FEMA.  

    • Safety first 

      • If your home is flooded, make sure you and your family are safe. 

      • If the floodwaters are rising rapidly or pose a threat to your safety, leave your home immediately and go to higher ground. 

      • If it’s safe to do so, turn off the electricity and gas supply to your home to prevent electrical hazards and gas leaks. 

      • Stay away from electrical outlets and downed power lines. 

    • Begin the recovery process 

      • Once the floodwaters have receded and it's safe to re-enter your home, assess the damage. 

      • Documentation and reporting of any damage incurred by water/storm events is crucial for any possible claims or financial assistance.   

        • Before cleanup begins, make sure to take photos or videos of the damage.   

      • Take steps to minimize further damage.   

        • Dry out flooded areas with ventilation from fans or by opening windows.   

        • Pull back carpet and furniture items to prevent mold from developing. 

      • Contact your insurance company as soon as possible to determine if you have coverage and, if so, start the claims process. 

      • For extensive flood damage, consider a professional restoration company to help with the cleanup and drying process. 

      • Minnesota’s division of Homeland Security Emergency Management advises: If your home or business has received significant damages from a major weather or other event - report it to your local county or city emergency management office for assistance as soon as possible. 

      • If the President declares a federal disaster and authorizes Individual Assistance, FEMA's Individuals and Households Program (IHP) can help qualified homeowners and renters affected by the disaster with housing repair and other necessary expenses. www.DisasterAssistance.gov 

    • Following mitigation steps, reach out to your insurer to determine your coverage and begin the claims process if applicable.   

      • If significant damage has occurred, report your damage to local emergency management officials for assistance.   

      • Some significant damage may be applicable for FEMA financial assistance, depending on several factors. 

    • Move outdoor objects to a garage or shed. Patio furniture, grills, garbage cans, and garden tools can be picked up by high winds and cause damage to your home. Anchor heavier items like playsets if possible.  

    • Secure gutters, downspouts, and other items connected to your home. Store potted plants or lightweight decorations indoors.  

    • Clean your gutters so water is able to flow away from your home.  

    • Check your sump pump on a regular basis and consider a battery-backup system in case the power goes out.  

    • If possible, move cars to a garage to avoid damage from hail or objects blown around by strong winds.  

    • Take time to charge all essential devices like phones and radios.  

    • Prepare a list of possessions to help document losses for their insurers. 

    • Contact your insurance agent to review your current policy.  

      • Discuss whether your current coverage is enough to rebuild your home in the event of a loss. 

      • Evaluate your personal property coverage to ensure adequate protection. 

      • Make sure you have enough liability protection 

      • Identify potential gaps in coverage 

      • Consider shopping around for competitive rates 

    • Carefully make temporary repairs to prevent further damage (like installing tarps over leaky roofs) so long as the work can be done without risk to yourself or others.   

    • Contact your insurer or agent as soon as possible after the event.  

    • Document with photos and video, and note the extent of the damage and losses.   

    • Keep receipts of anything spent on storm cleanup, temporary repairs or emergency housing. Many such expenses may be reimbursable under a standard homeowner’s policy.   

    • Don't rush to sign repair contracts. Do your homework, deal with reputable contractors and get references. Check the licensing status of any contractor with the Minnesota Department of Labor and Industry.  

    • If your home is uninhabitable because of storm damage, your homeowners or renters insurance likely provides coverage for additional living expenses such as hotel bills or meals out. Contact your agent or insurer to understand your coverage, and save all related receipts. 

    • June to August are typically the peak months for lightning strikes, making surge protection especially important in summer. Prevention tips:   

      • Use UL-listed surge protector power strips, especially for high-value electronics like TVs, gaming systems, and computers.   

      • Unplug sensitive electronics during thunderstorms. 

    • Heavy rains can overwhelm drainage systems and sump pumps, leading to water damage, especially in basements. Prevention tips:   

      • Clean your gutters so water is able to flow away from your home.   

      • Check your sump pump on a regular basis and consider a battery-backup system in case the power goes out.   

      • Sewer Backup: Damage from sewer or sump pump backup is not covered under a standard policy unless a specific endorsement is added. 

      • Remember: Homeowners insurance does not cover flooding; separate flood insurance through the National Flood Insurance Program (NFIP) is required. Visit FloodSmart.gov for more information.   

    • File your claim  

      • Safety First - Ensure everyone is safe and follow local evacuation orders and any guidance from emergency management officials. Don’t re-enter your property until authorities say it is safe.   

      • Contact your insurance company ASAP - Call your insurer or agent to report the damage, and review your policy’s limits, deductibles, and exclusions. Request your claim number and the name of your assigned claims adjuster. Ask about next steps, temporary housing coverage, and deadlines.   

      • Document damage - Take clear photos and videos of all damaged structures and personal belongings. If safe, try to document the condition of the property before cleaning or repairs begin. Make a list of damaged or destroyed items, including estimated value, brand, model, and purchase date, if known.   

      • Prevent further damage - If the home or cabin is partially damaged, take reasonable steps to secure the property like covering holes or boarding windows. Emergency repairs and protective measures may be covered by your policy, so keep receipts.   

      • Save receipts for expenses - Document all costs related to the loss, including:  

        • Temporary lodging and meals   

        • Transportation   

        • Pet boarding   

    • Replacement purchases for necessities - Contact your insurer to learn which expenses may be covered under your Additional Living Expenses (ALE) policy provision.   

    • Work with the claims adjuster - Be available to meet with the adjuster and provide all requested information. This is a good time to share your documentation and inventory list, keeping a copy for your records. Also ask for a copy of the adjuster's report when it’s ready.  

    • Don’t rush to hire a contractor - After natural disasters, contractors may flood the affected area. While many are reputable, others are not.  

      • Take time to verify credentials, check references, and get multiple estimates before signing a contract.  

      • Be cautious of high-pressure sales tactics or demands for large upfront payments.  

      • Work only with licensed, insured, and locally established professionals to avoid scams or unfinished work.  

  • Do your homework before work begins on your home

    Unfortunately, storm damage often brings storm-scamming contractors who make promises that are too good to be true. They use high-pressure tactics to lock homeowners into predatory contracts before an insurance adjuster even arrives.

    To prevent storm-scamming abuse, the IFM suggests homeowners contact reputable local roofing and siding professionals, rather than depend on advice given by door-to-door or telephone solicitors.

    Often telephone marketers or the people who come to the door aren’t even qualified to be roofers, they are just sales lead generators who get paid selling your personal information to contractors. Many of these contractors themselves don’t even do the actual work.

    Some storm-scamming contractors either rent a license from a local roofing contractor or work without one, subcontracting the work to crews to finish the job.

    Avoiding contractor fraud and recovery headaches

    • Before signing a contract with a contractor ask for:

      • The contractor's license number.

      • How long they've been in business.

      • A Minnesota business address other than a post office box, and a local phone number.

    • The Minnesota Department of Labor and Industry helps “homeowners ensure the construction industry professional they have hired is licensed, and if something goes wrong, investigate complaints.”

    • The Minnesota Attorney General’s office reminds homeowners not to fall for high-pressure tactics. Scammers try to trick you into acting immediately. “Legitimate companies that want your business allow you time to think about the offer, research your options, and shop around. It should raise red flags if a door-to-door salesman pressures you to make an immediate decision or pay cash in advance.”

    • Some of the unscrupulous behavior to look out for, according to IFM, includes a promise to get you more repair work done than appears necessary or an offer to pay your deductible.

    • Avoid contractors who:

      • Arrive in an unmarked vehicle.

      • Ask to sign an estimate or authorization before you have decided to hire them. You may unknowingly be signing a contract.

      • Are willing to do the job at an unusually low price.

      • Offer to pay your deductible or offer discounts or other rewards for hiring them.

      • Require full or substantial payment before work begins.

      • Refuse to provide a written estimate or contract.

    Don't let a fast-talking solicitor at your doorstep turn a weather event into a long-term financial disaster. Do your homework before work begins on your home. 

    • Minnesota Ranks in the Top 5 Nationwide for Hail Risk: The report establishes Minnesota as a primary national hotspot for severe convective storm (SCS) exposure. The state ranks in the top five nationwide for the highest number of homes and associated reconstruction cost value (RCV) at moderate or greater risk of hail damage, placing an immense financial exposure on the local property market.

    • Nearly 1.8 Million Minnesota Homes Vulnerable to Damage: Within the state, approximately 1.8 million residential properties face a moderate or greater threat from damaging hail. The combined estimated cost to rebuild these specific at-risk homes if they were declared a total loss is a staggering $899 billion.

    • Minneapolis Highlighted as a Frequent Storm Target: Exploring metro-level data, the report highlights a heavy Midwest footprint for extreme weather. Minneapolis is explicitly identified as a high-value secondary market sitting dangerously close to major atmospheric weather collision zones, rendering local properties frequent targets for financially destructive spring and summer storms.

    • Severe Convective Storms Are Now a Primary Loss Driver: Historically categorized by the industry as "secondary perils" (high-frequency but low-severity events), severe convective storms—including hail, tornadoes, and straight-line winds—have officially transformed into the primary drivers of annual insured property losses, placing unprecedented strain on the entire insurance and recovery ecosystem.

    • Hail Volatility Now Rivals Category 4 Hurricanes: Nationwide, over 43.5 million properties (roughly 42% of all analyzed homes) fall into moderate or greater hail risk categories, totaling $17.8 trillion in RCV. Cotality’s catastrophe modeling indicates that a single severe hailstorm occurring just once every few decades can generate nearly $30 billion in insured losses—on par with a major landfalling hurricane—while an extreme 500-year tail event could drive up to $58 billion in hail losses alone.

    • Widespread Exposure to High Winds and Tornadoes: Property exposure from convective events extends well beyond hail. Across the country, more than 76 million homes face moderate or greater risk from EF0+ tornadoes (representing over $27 trillion in RCV), and over 64 million homes are exposed to damaging straight-line winds of 65 mph or higher (representing over $23 trillion in RCV).

    • The High Return on Roof Fortification and Mitigation: To avoid being blindsided by extreme tail risks, the report emphasizes a shift from historical hazard averages toward proactive physical mitigation. Building resilience from the ground up by empowering policyholders to upgrade to Class 4 impact-resistant shingles, build to modern wind-resistant codes, and protect windows drastically reduces property vulnerability—with every single dollar invested in resilience saving an estimated six dollars in future recovery costs.

*The information presented is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice.

Miscellaneous 

    • The increasing frequency of natural disasters, coupled with the surging cost of rebuilding, is hurting insurers nationwide.  

      • Increasingly severe weather has led to increased insurance payouts.   

      • To regain losses from payouts, premiums are raised for everyone.   

      • Minnesota companies have lost money six out of the last seven years.   

      • Higher premium rates mean fewer people can afford to buy a home.   

      • Multiple weather-related losses create an inability for carriers to underwrite.