When insurance companies deny or undervalue your claim, our attorneys fight
to get you the coverage you paid for.
You pay insurance premiums expecting that your insurance company will be there when you need them. Unfortunately, insurance companies sometimes deny legitimate claims, delay payments or offer settlements far below what a claim is worth. When that happens, you need an attorney who knows how to hold insurance companies accountable.
At Birkholz Law, we represent policyholders in disputes with insurance companies throughout Southern Minnesota. We handle claims involving homeowner’s insurance, auto insurance, business insurance, liability insurance and more. Our attorneys understand the tactics insurance companies use to minimize payouts and we know how to fight back.
Insurance disputes often involve complex policy language, coverage questions and bad faith claims. Our attorneys have the experience and knowledge to navigate these issues and pursue the full compensation you are entitled to under your policy.
Homeowner’s insurance disputes arise when claims for property damage, theft, fire, water damage or liability are denied or undervalued. Insurance companies may argue that the damage is not covered, that the policyholder failed to mitigate damages or that the claim amount is inflated. We challenge these denials and fight for fair compensation.
Auto insurance disputes involve claims for vehicle damage, personal injury, uninsured/underinsured motorist coverage and no-fault benefits. Minnesota’s no-fault insurance system adds complexity to auto insurance claims, and our attorneys understand how to navigate these issues effectively.
Business insurance disputes can involve claims under commercial property policies, general liability policies, business interruption coverage, professional liability policies and directors and officers insurance. These disputes often involve significant financial stakes and complex coverage questions.
Bad faith insurance claims arise when an insurance company unreasonably denies or delays a legitimate claim, fails to conduct a proper investigation or engages in other unfair claims practices. Minnesota law provides remedies for policyholders who are victims of insurance bad faith, including the potential for additional damages beyond the policy benefits.
Review the denial letter carefully to understand the stated reason for the denial. Gather all documentation related to your claim, including your policy, correspondence with the insurer and evidence of your loss. Contact an attorney to review your claim and determine whether the denial was proper.
Insurance bad faith occurs when an insurance company fails to act in good faith toward its policyholder. This can include unreasonably denying claims, failing to investigate claims properly, delaying payments without justification or offering unreasonably low settlements. Minnesota law provides remedies for bad faith conduct.
The deadline depends on the type of claim and the terms of your policy. Most insurance policies contain a limitations period for filing suit, typically one to two years from the date of loss. Minnesota’s general statute of limitations for breach of contract is six years. Consult an attorney promptly to ensure you do not miss any deadlines.
Yes. If your insurance company has wrongfully denied your claim, you can file a lawsuit for breach of contract and potentially for bad faith. An attorney can evaluate your claim and advise you on the best course of action.
Contact Birkholz Law to discuss your insurance dispute with an
experienced attorney. We will review your policy and
your claim and fight to get you the coverage you deserve.
Award-winning law firm serving Southern Minnesota for over 50 years. Dedicated to protecting your freedom, rights and family.
121 St. Andrews Court Mankato, MN 56001
209 Armstrong Blvd South St. James, MN 56081
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