How the Appraisal Clause Works on a South Dakota Policy
What the appraisal clause says, what it covers, when to use it and the mistakes that cost policyholders money.
Articles
Storm Claim Articles for South Dakota Owners
Practical guides on policy language, documentation and claim strategy, written by people who work appraisal panels.
Documenting Hail Damage After a Prairie Storm
A practical checklist for photographing and recording hail damage so the claim, and any appraisal, rests on solid evidence.
Derecho Claims: Straight-Line Wind Versus Tornado Damage
The May 2022 derecho showed how much damage straight-line wind can do. Here is how those claims work and where they go wrong.
A Black Hills Wildfire and Smoke Claim Checklist
Whether a fire reached your property or only its smoke did, this checklist helps you document the claim fully.
Who to Call: Appraiser, Public Adjuster or Attorney?
Each professional solves a different problem. Picking the right one first saves time and fees.
Coinsurance and Farm Building Claims: What Owners Miss
Farm and commercial policies can reduce a payment when buildings are underinsured. Here is how that works and how to check.
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