The Lighthouse Blog
The Lighthouse Blog
Honest answers to the questions policyholders actually ask. No jargon, no fluff — just what you need to know.
Hail Damage Exclusions in Minnesota: What They Mean and How to Fight Back
Insurance companies are quietly rewriting policies to pay less for hail damage. Here are the exclusions Minnesota homeowners face right now — and how to fight back.
What to Do Immediately After Property Damage
The first 48 hours after a loss matter more than most policyholders realize. Here's the step-by-step guide to protecting your claim from the start.
ACV vs. RCV — And Why It Matters
One policy provision could mean the difference between a full settlement and a check that barely covers half your repair costs. Here's what every Minnesota homeowner should know.
What Is the Appraisal Clause & When Should You Use It?
Most policies include it. Few policyholders know about it. The appraisal clause may be your most powerful tool in a disputed insurance claim.
Fire Claim Basics: What Gets Covered, What Gets Missed
Fire claims are among the most complex in property insurance. Beyond the obvious damage, there's smoke, water, and contents — most adjusters undercount all three.
Do I Really Need a Public Adjuster? An Honest Answer
Not every claim needs a PA. Here's how to think about it — and when hiring a public adjuster actually makes a meaningful difference.