Guardian Claim Consultants | Minnesota Public Insurance Adjuster

Precision

Accurate Assessment and Documentation

We have specialized knowledge and expertise in assessing property damage and estimating the true value of losses. We will thoroughly inspect your property, identify all damages, and document them properly. This includes taking photographs, collecting evidence, and preparing a detailed inventory of all items affected.

By providing an accurate and comprehensive assessment, we help ensure that no damages are overlooked, and the claim reflects the true extent of your loss.

Convenience

Managing the Entire Claims Process

Handling an insurance claim can be overwhelming, especially during a time when you are dealing with the stress of property damage or loss. We help to can alleviate this burden by managing the entire claims process. We handle all the paperwork, documentation, and communication with the insurance company. This includes filing the claim, responding to inquiries, and ensuring that deadlines are met.

By taking care of the administrative aspects, we allow you to focus on other important matters, such as repairs, recovery, and rebuilding.

Advocacy

Negotiating for a Fair Settlement

Dealing with insurance companies can be complex and challenging, particularly when it comes to negotiating a fair settlement. We have experience in working with insurance companies and understanding their processes. We represent you and your interests and engage in negotiations with the insurer on your behalf. We present the documented evidence, advocate for your rights, and strive to maximize the settlement amount.

Who Is Guardian Claim Consultants?

We're a licensed MN Public Insurance Adjuster that works for your best interest.

My name is Forrest Brothen, and I have overcome a challenging experience that has motivated me to make a positive impact in the lives of others. In December of 2007, my family's home unfortunately burned to the ground. Although I faced several difficulties with my insurance claim, this setback inspired me to gain knowledge and understanding of the public insurance adjusting process.

Since then, I have transformed this personal adversity into an opportunity to assist others in their time of need. With the opening of Guardian Claims Consultants, I have made a commitment to ensure that no one else faces a similar situation without the support they deserve. I am here to provide valuable guidance and help protect your family and home.

If you have any questions about how public insurance adjusters operate or if you would like to explore additional ways to safeguard your loved ones, please don't hesitate to reach out. Contact me, Forrest Brothen, and I will be delighted to discuss how I can assist you with your specific circumstances.

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"Forrest Brothen and the Guardian Management Team... I wanted to thank you for all your help in getting our siding replacement approved and installed. I can’t tell you how nice it was having someone looking out for our best interest and you were always up front about everything and that I do appreciate. Our property probably wasn’t the biggest job for you but you still took care of everything and I didn’t have to worry about a thing, except what color to choose and Even then your expertise came in handy. I would recommend to anyone who has a loss of any kind, to always get the help or advice from an expert and for me that was Forest Brothen and his guardian management team. Thanks again." Mike and Jeanne Volkers - Andover, MN

"Our experience with Guardian Disaster Management has been one of total satisfaction. They had the knowledge and expertise to ensure our claim was paid out at a fair market value after our insurance company tried to undervalue our claim by sending out "their preferred contractor" to back up their low prices. They were on top of the situation and took charge from the moment we signed the contract. They timely returned every phone call we made to them and they were on time for every appointment. They were extremely sensitive, polite, efficient, and obtained excellent results. Thank you Guardian!" Steve Borg - Capital Resource Group, LLC

"Its incredible the number of people that will approach you, all strangers, during the time you spend standing in cold wet shoes on a sidewalk covered in ash, each pretending to be your new best friend. It’s at this moment of confusion and distress that I pray each of you turns to Forrest Brothen for the guidance, clarity and support that this gentleman has to offer. Forrest came to me with great confidence and professionalism as well as superior knowledge of the mess we were now try to deal with. He was able to pick apart the mumble jumble of our policy and redefine it in a language that was clear and understandable to me. It was at this point Forrest took over all communication with the insurance company and there agent, a task which was becoming over whelming and loathsome for me. Not a move my insurance company was happy to see! Shortly thereafter, he put an end to the disturbing calls and notes from the insurance company and as well as negotiated the maximum payout our policy allowed, a figure the insurance company’s adjuster made very clear was not in our future. At first I did not understand the importance of a public adjuster, actually I did not know these professionals even existed, but the deeper we got into the case the more I realized – We do not go to court without our attorney, we do not remedy our illnesses with out our doctor, and we certainly will not represent ourselves in a claim without our Public Adjuster, Forrest Brothen." Christine A Pomerleau, Property Manager

Client Results

Welcome to our Customer Results section, where we proudly showcase the tangible impact our service has had on our valued clients. Here, we present a compelling table of actual insurance claim results that exemplify the power of our expertise and commitment to ensuring our clients receive the maximum compensation they deserve.

Client	Offered	Final Settlement	% Increase
Dan C.	$99,333	$203,224	105%
Paul K.	$2,861	$11,307	295%
Paul K.	$2,861	$11,307	295%
Phyllis P.	Denied	$86,711	N/A
Jeff B.	$37,487	$54,467	46%
Erin O.	$2,392	$10,743	350%
Tony D.	$24,323	$48,722	101%
Roland H.	Denied	$9,569	N/A
Clinton S.	$49,163	$162,677	231%
Victor C.	$9,666	$19,089	98%
Rich F.	$122,502	$193,624	59%
Bonnie B.	$1,878	$10,355	451%
Ed B.	$76,002	$190,336	151%
Josh S.	$117,725	$156,445	33%
Joe P.	Denied	$79,570	N/A
Jim J.	$22,224	$58,378	163%
Bill C.	$268	$34,382	12,729%
Donna H.	$9,837	$18,636	90%
Debbie O.	$600	$54,561	8,994%
Kathy M.	$37,396	$88,889	138%
Don F.	$721,906	$1,463,834	99%
Kathy F.	$232,654	$320,265	38%
Robin C.	$11,166	$20,372	83%
Kent D.	$11,151	$33,974	205%

FAQ and Helpful Tips

When disaster strikes, negotiating your property loss can be overwhelming. Your insurance company may seem friendly, but their goal is to pay you as little as they can. Insurance companies know all the tricks to keep your payout low. There’s a good chance you stand to lose big without serious help in your corner. Before you sign a settlement, ask a professional for help. Guardian Claim Consultants adjusters are licensed professionals who work exclusively for YOU, the policyholder, to get you more money for your damages.

What types of claims do you handle?

Fire
Flood
Wind
Hail
Tornado
Explosion
Broken Pipes
Water Damage
Theft
Vandilism
Smoke
Storm Damage
Collapse
Mold damage

What services do you provide to assist with my claim?

Accurately assess the extent of your damages and losses.
Clarify and unravel the complexities of your insurance policy.
Meticulously substantiate your claim with comprehensive documentation.
Skillfully present our discoveries and negotiate a settlement that maximizes the payout permitted by your policy.
Aid in coordinating temporary repairs and living accommodations for your convenience.
Safeguard the property against further harm and deterioration.
Inventory and separate damaged and undamaged contents.
Prepare records and documentation to facilitate the recovery of living expenses.
We will guide you through the completion of all necessary forms and make sure all deadlines are met.
Provide assistance in any other facet of the claims process as required.

I suffered a loss, what should I do?

Call your insurance company promptly and notify them of your claim.
If possible, stop any further damage from occurring to your property.
Take photographs or video of the damage to document and prove your loss.
Create a detailed inventory of all the contents damaged or destroyed.
Save all receipts and document all intangible expenses as a result of the loss (your clean-up efforts, temporary repairs and board-up, for example).
Take detailed notes of all your conversations with your Insurance agent.
Document everything!
Review this document: Top 10 tips for maximizing property insurance claims after a storm or natural disaster. Download

My insurance company gave me a settlement rather quickly, should I accept it?

Following a disaster, the insurance company may propose a prompt settlement, but caution is advised. This amount may not adequately reimburse you and could fall significantly short of what you rightfully deserve.

What does a public insurance adjuster do?

A public insurance adjuster works solely for you, not the insurance company, and serves as your expert in managing loss adjustments. Their role involves aiding you in the preparation, submission, and adjustment of insurance claims following a covered loss. They perform inventories, facilitate appraisals, and handle the aspects of the policy that directly affect you. This often entails various steps that you may have limited knowledge of, yet can substantially impact the final settlement amount.

Why should I hire a public insurance adjuster?

While insurance companies prioritize their profits, it's important to note that the adjusters they employ often face heavy workloads and insufficient compensation. Due to time constraints, many company adjusters may not thoroughly assess everything you are rightfully entitled to. Furthermore, adjusters directly employed by insurance companies may have incentives tied to their earnings, raises, potential promotions, and pressure from supervisors to minimize expenses whenever possible. In contrast, a public insurance adjuster will diligently collaborate with you to meticulously prepare and present your claim to the insurance company, always prioritizing your best interests over those of the insurance company.

Doesn't my insurance company provide me with an experienced and licensed adjuster?

While one might assume otherwise, it's essential not to rely solely on this assumption. Especially in today's climate, where numerous storms have increased the demand for adjusters, there's a possibility that your assigned adjuster may have limited prior experience in handling insurance claims. Surprisingly, insurance company adjusters are not required to undergo comprehensive education or licensing procedures. They can transition from unrelated professions, like shoe salesmen, to insurance adjusters in a short span of time. The current high demand for adjusters means that sometimes any available person is assigned to the role. To ensure your peace of mind, consider inquiring about your adjuster's experience, training, and licensing. (Note: No offense intended towards shoe salesmen; my preference lies in having a qualified professional handle my claim!)

What is a public adjusters fee for their services?

The public insurance adjuster's fee is a percentage of the insurance company's settlement with you. By seeking to maximize your settlement, your public insurance adjuster's service can save you the cost of their fees.

What recommendations do you have to protect me and my property?

Do not rush into any decisions – Be Patient
Do not allow contractors to work for proceeds, stay in control of your claim and your money
It is illegal for contractors to "bury" or "cover" your deductible as a sales incentive
Be cautious of insurance companies preferred vendors... They perform the work as instructed by the insurance company and not always in your best interest

What areas do you serve?

The surrounding communities of Minneapolis and St. Paul, including Rochester, Mankato, St. Cloud, Alexandria, the Brainerd Lakes Area, Moorhead, Fargo and Grand Forks.

Empowering Insurance Equality