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The Public Adjuster Team Minnesota Trusts
At Farrand Claim Consulting, our success comes from the passionate people behind it. Our public adjuster team in Minnesota brings together decades of experience, client advocacy, and unmatched dedication to every claim. Get to know the experts who work hard to protect what matters most to you.
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Our team
Richard Farrand
CEO / President
Richard grew up in Minnetrista, Minnesota. His father and uncle ran several businesses, including a public insurance firm founded in 1972. Richard learned about business and hard work early. He sold calendars, candles, and flower seeds door to door as a child. These early steps sparked his passion for helping others.
After high school, Richard played football and attended college in Fergus Falls, MN, and Aberdeen, SD. He met his wife Shannon in college. He earned a bachelor's degree in theology and a master’s in transformational leadership from Bethel Seminary in St. Paul.
In 2000, Richard started an e-learning company that became a multi-million-dollar success. He has served as president of three non-profits and led men's transformational trips to Uganda. Eventually, he found his true calling—helping people win fair insurance claims.
Today, Richard leads Farrand Claim Consulting with honesty, vision, and a client-first mindset. He and Shannon live in Andover, MN, and enjoy time with their four adult daughters.
"When you file a claim, your insurer sends their adjuster, not yours. Most people stay quiet and hope for fairness. But hope is not a strategy. You deserve everything your policy allows. That’s where we come in."
Shannon Farrand
Owner/Education Ambassador
Shannon brings a lifetime of experience and empathy to Farrand Claim Consulting. Growing up in a military family gave her resilience, empathy, and adaptability.
She spent 25 years as a registered nurse and even served on a Mercy Ships medical mission in Africa. These roles taught her how to listen, support, and solve problems under pressure.
Shannon's journey into public adjusting began after her own home burned down. She struggled with the insurance process and realized how badly people need an advocate during tough times.
Now, she works every day to make sure no one feels alone after a loss.
"When I lost everything, I didn’t know someone like me existed. That pain is what drives me today. No one should go through that without help."
Khadija Gul
Marketing Manager
Khadija leads Farrand’s brand and communication strategy. She holds a bachelor's degree in mass communication and has a strong background in advertising, social media, film, and content creation.
Khadija's creativity is fueled by her love for nostalgic storytelling. She draws inspiration from classic films, music and art. Her strategic mindset, paired with artistic vision, ensures the Farrand brand connects with clarity and heart.
When not working, she enjoys film, family time, travel and most importantly, cats.
Amy Watson
Sales Representative
Amy is the friendly voice you hear when reaching out to Farrand Claim Consulting. She has years of experience working with respected companies and brings a professional, welcoming touch to client relationships.
She believes in treating clients like trusted friends. Whether you are dealing with storm damage or just exploring your options, Amy is ready to guide you with warmth, clarity, and care.
Her goal is to make every client feel supported and understood during the claim process.
Todd Rooker
Interim CFO
Todd grew up on a family farm in Crookston, Minnesota, where he learned the value of hard work and financial resilience. During the Farm Crisis of the mid-1980s, he began working on complex estate planning issues, which shaped his lifelong commitment to asset protection and strategic financial planning. A fourth-generation U.S. Navy veteran, Todd believes that military strategy should guide financial decisions—disciplined, calculated, and built for long-term success.
For more than 25 years, Todd has helped individuals and businesses navigate financial challenges with clarity and confidence. He brings expertise in business acquisition, expansion, finance and sale, tax strategies, real estate and mortgage options, asset protection, debt settlement, bankruptcy, and comprehensive money management. His depth of knowledge allows him to craft strategies that take every angle into account, empowering clients to make decisions from a position of strength.
Beyond consulting, Todd teaches accredited classes across multiple states to attorneys, financial advisors, CPAs, insurance agents, mortgage bankers, and realtors. His courses cover estate planning, asset protection, business succession, financial formulas, real estate transactions, and the tax and credit implications of each. Widely recognized as an expert in credit and credit scoring, Todd has provided consumers with accurate, unbiased information for decades—insight not found elsewhere.
As Interim CFO for Farrand Claim Consulting, Todd offers a comprehensive, big-picture approach to financial decision-making. Whether someone is in a difficult financial situation or looking to ensure they never are, Todd delivers the answers and strategies they need to move forward with confidence.
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Real People. Real Support. Real Results.
Our public adjuster team in Minnesota is here for you. From the moment you reach out, you’re never alone. Every team member at Farrand Claim Consulting is committed to honesty, expertise, and client-first service.
Let us help you recover what you’re rightfully owed.
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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
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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.
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.
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.
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.
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.
Simple: who we work for.
- Insurance company adjusters protect insurers.
- Public adjusters, like us at Farrand Claim Consulting, advocate solely for you.
- 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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Let's Talk
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