Farrand Claim Consulting
Public Adjuster Minnesota

STOP! Do not contact your insurance company first!

Farrand Claim Consulting is the public adjuster Minnesota homeowners, business owners, and contractors trust when disaster strikes. We do not work for insurance companies, we work for YOU. Our job is to maximize your claim, protect your rights, and deliver results.

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Regions we serve

Minnesota
Wisconsin
North Dakota
South Dakota
Midwest and beyond!

Founded on trust, experience, and results, we fight for policyholders across Minnesota and the Midwest. If your claim was denied, undervalued, or delayed, we level the playing field and fight for you in recovering what you’re truly owed.

Our team provides expert claim support at every stage of the insurance process:

Public Adjusting

We represent you, not your insurance company. We handle your entire claim, from paperwork to negotiation for a fair payout.

Appraisal Services

When there’s a dispute over the value of your loss, we step in as your appraiser to defend your financial interest.

Claim Reviews & Consulting

Unsure about your settlement? We give you an honest claim review and show you your real options.

Contractor Support

We help contractors back up claims with clear documentation and professional estimating tools.

Whether you’re just getting started or stuck in a stalled claim, we bring clarity, speed, and strong representation.

The Insurance Company Is Not on Your Side

Think your insurance provider is there to help? Think again. Insurance adjusters protect their employer’s bottom line. Their goal is to reduce what they owe you.

Step-by-step overview of how the system works against you

The Claim Game: How You Lose Without a Public Adjuster

You file a claim expecting full coverage.

The insurer sends their adjuster, not yours.

That adjuster asks questions and performs an inspection.

Your answers are twisted to reduce your payout.

They calculate repairs using industry averages, not real costs.

Many people accept low offers, assuming that’s all they can get.

You lose without even realizing it.

Claim Categories We Handle

Fire and Smoke Damage

A fire causes destruction fast. Afterward, insurance companies offer low payouts. We step in to make sure you get the full amount needed to rebuild and recover.
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Snow and Ice Damage

Ice dams, heavy snow, and meltwater all cause winter headaches. We make sure your snow and ice damage claim reflects both the visible and hidden losses.
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Hail and Wind Damage

Severe Midwest storms bring hail and wind damage. We document the impact, estimate the true cost of repair, and fight for every dollar your policy covers.
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Roof and Structure Claims

Roof and structure damage often gets underpaid. We assess the real condition, use expert reports, and negotiate for a fair insurance settlement.
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Water and Mold Damage

Leaks and flooding turn into mold and long-term damage. We evaluate the full scope, link it to covered causes, and stand with you to file a strong claim from the start.
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Vandalism and Theft

Theft and vandalism are personal violations. We work quickly to document your losses, build a clear case, and make sure your insurance company covers the full cost of recovery.
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What Is a Public Adjuster?

A public adjuster is a licensed expert who works for the policyholder, not the insurance company. We:

Evaluate your damages accurately

Create professional documentation

Negotiate directly with your insurance company

Secure a full and fair settlement

With Farrand Claim Consulting, you get trusted support and expert guidance at every stage.

Why Choose Us

Here’s what sets Farrand apart as the top public adjuster Minnesota offers:

Your Partner in Recovery

We work only for policyholders.

We understand insurance company tactics.

We know how to prove the real cost of damage.

We simplify the process for you.

We get results.

If you’re still unsure about why hire a public adjuster, consider this: better documentation and expert negotiation always leads to better results.

Client Testimonials

"Richard, was very professional, caring, and helpful with questions. I would highly recommend him.”"

Kathy Bachelor

Farrand Claim Consulting, Inc. was helpful to us as we navigated our hail damage insurance claim. They advocated for us, were thorough in their repair estimations, and have always answered questions promptly.
We will use them again in the future.

Catheryn Mages

“Richard was dedicated, savvy, and extraordinarily patient in helping me with my claim. Wesucceeded and I am very grateful for his help.”

Siobhan Ditty

I’m very happy with the service provided by Richard Farrand. Although I didn’t know much about roofing, Richard did a fantastic job managing the work and identifying many issues. He took care of everything with the insurance company and handled all the communication with them and the roofing company. Someone referred me and mentioned that working with a public adjuster was the right way to go, and I’m glad I followed that advice. Richard’s expertise made the process smooth, and he even helped organize all the paperwork.

I would rate Farrand Claim Consulting a 9 out of 10. Richard is excellent at his job!

Brian Carver

Very professional. Did all the work. His services took away all the stress and worry. The insurance company was only paying $40,000 for a $90,000 job in the hail storm in S Minneapolis. There was major obvious hail on roofing, siding, gutters, window wraps, fascia metal and other things. We went through an appraisel process and the claim was settled at $87,00. 00 which made it possible to get the work done.

Paul Bollman

"I faced difficulties with the insurance company regarding cost, but Richard sorted everything out. His communication was excellent, and I would rate it a solid 10 out of 10. Richard’s availability and consistent communication stood out the most. Overall, he did the best he could with the situation, and I appreciate his efforts."

Audrey Halverson

I had an amazing experience. I did not have to worry about my claim as soon as Richard took over communication with my insurance company. He handled my claim wonderfully, I was able to get all damaged items repaired on the outside of my home and all I had to do was read the final documents and wait for a check. I would highly recommend his services to anyone who needs assistance in the process of a homeowners insurance claim.

Kim Smekofske

[...] I will never work with an insurance company directly alone without their help ever again. Richard and the staff are consummate professionals, and I would highly recommend them to anybody that has an insurance claim or has to work with an insurance company.

Max Wiese

Our house flooded 3 months after moving in. Farrand Claims Consulting helped us with the entire process. We were really scared not knowing what to except. We are so happy with everything!! Thank you!!!

Jenny Jacobson

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Use our secure online form to begin your appraisal now. Fast, accurate, and easy.

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Local Service Areas

Minneapolis, St. Paul, Rochester, Duluth, Bloomington, Brooklyn Park, Woodbury, Plymouth, Lakeville, Blaine, Maple Grove, St. Cloud, Eagan, Burnsville, Coon Rapids, Lacrosse, Hudson, River Falls, Menomonie, Barron, Shell Lake, Spooner, Hayward, Superior, Chippewa Falls, Turtle Lake

Public Adjuster FAQ – Answers You Can Trust

Have questions about hiring a public adjuster in Minnesota or navigating property insurance claims? This public adjuster FAQ page provides straightforward answers to help you make informed decisions, protect your rights, and secure the settlement you deserve.

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What is a public insurance adjuster?

A public insurance adjuster is a licensed professional who works for YOU, not the insurance company. Public adjusters represent policyholders during property insurance claims, helping interpret policy language, assess losses, and negotiate for a higher settlement. Unlike insurance adjusters, we’re on your side.

How much does it cost to hire a public adjuster?

Most public adjusters work on a contingency fee basis, meaning we only get paid when you receive a payout. Fees typically range from 10% to 20% of your claim, depending on the size and complexity of the case. This aligns our motivation with yours.

Why work with a public adjuster when my insurance company already assigned one?

Because the insurance company’s adjuster protects their bottom line. A public adjuster defends yours. We challenge low offers, explain complex policy terms, and ensure all your damages are properly valued and covered.

How long does the insurance claim process take?

Every claim is different. Some resolve in weeks, others take months. But hiring a public adjuster typically shortens the timeline. We keep documentation in order and drive progress forward.

How does a public adjuster differ from an insurance company adjuster?

Simple: who we work for.

  • Insurance company adjusters protect insurers.
  • Public adjusters, like us at Farrand Claim Consulting, advocate solely for you.
How much does it cost?
  • Where it says: “Fees typically range from 10% to 20% of your claim.”
  • Change to: “Fees for Public Adjusting services are usually around 10% of your claim.”

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