Independent Public Adjusters

Independent Public AdjustersIndependent Public AdjustersIndependent Public Adjusters

Independent Public Adjusters

Independent Public AdjustersIndependent Public AdjustersIndependent Public Adjusters

Expert Public Adjusting Services

Expert Public Adjusting ServicesExpert Public Adjusting ServicesExpert Public Adjusting Services

 

Independent Public Adjusters works on your behalf to help ensure you receive the best and most honest recovery possible.

Get a Free Consultation

Expert Public Adjusting Services

Expert Public Adjusting ServicesExpert Public Adjusting ServicesExpert Public Adjusting Services

 

Independent Public Adjusters works on your behalf to help ensure you receive the best and most honest recovery possible.

Get a Free Consultation

Getting Started

 


  • Step 1
    Complementary Consultation & Property Inspection–we will determine your insurance benefits and covered losses.
  • Step 2
    We set up all the paper work and establish the claim on your behalf. Our licensed public adjusters meet with your insurance adjuster to inspect the property, document the loss, & discuss the scope of work.
  • Step 3
    We take care of all the communications and negotiations necessary to reach a fair settlement.
  • Step 4
    We take care of the funds released from your insurance company & process them through your mortgage company.
  • Step 5
    Select the contractor(s) of your choice to bid on the work.

For Your Business

For Your Association

For Your Association

 If your business has suffered a loss from fire, water, or natural disasters, we are here to help you answer some of the pressing questions you are wondering. We want to get your business back up and running to get you back to where you need to be. 

For Your Association

For Your Association

For Your Association

 Town homes, senior living centers, condos, and apartment damages can be more than overwhelming and extremely time consuming. Let our experts take the weight off of your shoulders to make sure you are getting the coverage and settlement that you and your renters deserve. 

For Your Home

For Your Farm

For Your Farm

 Getting your home back to normal after a loss can be beyond stressful. Whether you had a house fire, storm damage, ice damage, or theft, we are here to help you get your home back to normal to make you and your family feel comfortable again. 

For Your Farm

For Your Farm

For Your Farm

 A storm came through and hail pelted your steel roof. Now what? You aren't sure if you have damage or if you're covered. Let our professionals assess the damage for you to ensure you are taken care of. 

About Independent Public Adjusters

Our Expertise

 

First & Last Stop

  • You tell us what happened and we do the rest. We don't pass your paperwork onto third parties. Have peace of mind in knowing that you and your property are being taken care of.
  • 15 years
  • Although our company is 15 years young, our experts have over 48 years of experience in the restoration industry.
  • 20,000 claims
  • Covering Fire, Wind, Hail, Tornado, Freeze/Water Damage, Theft, Vandalism, and other natural disasters.
  • Dedicated Professionals
  • We know the ins and outs of this business. Our professionals are required to take annual courses to keep up with changing laws and regulations.
  • 24 hours
  • Because our intentions are to make this process easiest for you, we work around the clock. Tragedy doesn't always strike during business hours so we're there when you need us. 
  • We are Proud of what We Offer


Our Team

 Independent Public Adjusters, LLC was founded in 2011. Our highly trained experts are prepared to walk you through this process.

Our Adjusters

We have gathered and trained professionals who work together, combining individual expertise with our company standards. We stand together to make sure the job gets done properly for you. Every Adjuster has studied and passed strict state examinations covering insurance law and building construction procedures. This requires annual courses to keep up with current industry changes in laws and regulations. Every claim is different, and we make sure to approach your claim professionally and with thorough scoping techniques to get the job done right. Our team of professionals have the following experience & credentials:

  • Experience with Insurance Recovery and Restoration
  • We have worked with insurance claims in over 15 different states
  • We specialize in Fire, Smoke,Water, Mold, Hail, Wind, Accidental & Vandalism
  • General Contracting—Exterior & Interior Remodeling, New Construction & Additions
  • Structural Damage Appraisal
  • Licensed Independent Adjusting
  • Public Adjusting Services—Licensed, Bonded & Insured

Meet Tim Barthelemy

CEO and FOUNDER

 Tim has been involved in the construction and restoration business for over 48 years. Born and raised in Minnesota, he began his career as a general contractor for 12 years in the state. He also worked in South Carolina as a general contractor for three years and in Florida for two years.  After learning the industry, he began working for multiple insurance companies as an insurance adjuster in numerous states. He has lived in California, Florida, Georgia, and the Carolinas during the hurricane seasons. After 14 years working for the insurance company, he decided it was the property and homeowners (The Insureds) that he wanted to help get a proper settlement with their insurance providers and correct how poorly and unfairly the Insureds were being treated. His integrity had taken over, and he wanted to make sure the people were being taken care of fairly. He began working as a structural damage assessor during the North Ridge, California Earthquake for Pilot and State Farm. He then started working as a public adjuster for both residential and commercial losses. Fifteen years ago, in 2011, he started Independent Public Adjusters, LLC, and has continued to grow ever since. When you love your job, your job doesn't seem like work. Tim loves what he does and plans to continue to grow his business for many years to come. 

“Our goal is for our clients to be paid exactly what they’re owed. Not a penny more, and not a penny less”

Tim Barthelemy, CEO

Frequently Asked Questions

When do I need to hire and Appraiser/go to Appraisal?

 In Minnesota, you may need to hire an appraiser and invoke the appraisal process when your insurance company denies your claim or refuses to pay the full amount of damages you believe should be covered under your policy. The appraisal clause found in most home and commercial property insurance policies allows you and the insurer to each hire an independent, licensed appraiser to evaluate the loss when there’s a dispute about the (amount of the loss, which includes the scope of the damages). This process provides a neutral, legally recognized way to resolve disagreements without going to court, helping ensure you receive a fair and accurate assessment of what your insurer should pay based on the actual damages found by the appraisal panel, consisting of your appraiser, the insurer’s appraiser, and an neutral umpire. 

Why should I hire a Public Adjuster?

 We understand that hiring a Public Adjuster (PA) and filing a claim can be time consuming and confusing. The point of our service is to take away the confusion involving your claim, make sure you are paid exactly what you are owed, and to make your life easier. 

What should I look for when hiring a Public Adjuster?

 When you are looking for someone to speak on your behalf and take care of your claim, you don't want to pick just anyone. You want to make sure you find a credible company with years of experience, knowledge, a good reputation, and employees that have your best interest. Ask for references for people who have had similar claims to see their outcome. 

Is an Insurance Adjuster the same as a Public Adjuster?

 No. An insurance adjuster is a hired adjuster by a particular insurance company. A public adjuster does not work for or get paid by the insurance company. They are hired strictly by the homeowner working on their behalf. 

Is my property covered?

 Our Public Adjusters provide complementary property inspections and consultation, including all coverage issues and questions.  We use your contract (policy) to answer these questions on your behalf. 

Will I get dropped by my Insurance Company?

 State laws & contract terms (your policy) protect you and clearly define circumstances where your insurance company can “cancel” or “drop” a customer. These reasons include unpaid premiums, material misrepresentation in the insurance application process, the risk to insure your property changed substantially since policy was issued, or fraudulent activities. You can NOT be dropped for a weather related claim or act of God. 

Will my rates go up?

 With rare exceptions, your rates will not go up for simply making a claim on your insurance.  Our public adjusters can speak more specifically to your situation. 

What differentiates IPA from other public adjusters?

 IPA is a team. We work together to get the best possible recovery for you. From start to finish we handle your claim thoroughly for you, keeping you up to speed on the status. There is no hand-off method here. We do not subcontract any part of your claim to other firms or companies. Lots of firms will hire estimators but our in-house staff handles all the work. IPA as a company is 15 years old, our adjusters and CEO have well over 48 years of experience in the construction, restoration, and insurance industry. Not only are they experienced, but they love what they do. We can ensure that your claim will be handled professionally and in a timely matter while making sure you are paid exactly what you are owed. 

What is IPA's fee?

 Our fee's can vary depending on the type of property, size, and location. We charge a contingency fee that is based on a per claim basis. We do not get paid until you receive your insurance settlement. 

Do you handle claims in states other than MN?

 Yes. Since day one we have been traveling for customers all around the US. With the extensive background of our CEO working coast to coast, it has given our firm the flexibility to move around. We are licensed in over 15 states and growing. 

What kind of claims do you handle?

 Fire, wind, hail, tornado, freeze/water damage, theft, vandalism, and other natural disasters. 

Why should an association hire a Public Adjuster?

 An association like an apartment community or senior living condominium center is very complex and complicated. There is a lot more involved and a lot more parties involved. From unit owners, management staff, and tenants, it is important to keep everyone in the know. PA's come in to take care of the claim professionally and quickly to make sure that not only the owners and managers are paid properly but also that the tenants are taken care of. 

Client Testimonials That Inspire

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Independent Public Adjusters

9874 Jansen Cir NE, Otsego, MN, USA

320-493-4739

Independent Public Adjusters

9874 Jansen Cir NE, Otsego, MN, USA

320-493-4739

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