How to Interpret Business Interruption Coverage – And What Most Owners Miss When disaster strikes—whether it’s fire, storm, or water damage—your property policy may help rebuild walls and replace equipment. But what about the income your business loses while you’re shut down? That’s where Business Interruption coverage comes in. Unfortunately, many business owners assume this Read more…
Learn MoreAs public insurance adjusters who work directly with HOAs and multi-family communities, one of the most common questions we’re asked is: “What’s the difference between Bare Walls and All-In Insurance coverage—and what does it really mean for our association?” It’s a great question—and one that can make or break your community’s recovery after a major Read more…
Learn MoreHow Contractors Build Trust with Property Managers by Teaming with a Public Adjuster For Contractors: Building Long-Term Relationships Starts With the Right Team If you’re a contractor who works regularly with multi-family properties, you already know that trust is everything—especially when working with property managers. Property managers need more than fast repairs; they need reliable Read more…
Learn MoreMaster Insurance Policy Claims for Multi-Family Communities | Gavnat Public Adjusters At Gavnat Public Insurance Adjusters, we regularly work with multi-family communities—condos, townhomes, and homeowner associations—who find themselves navigating complex insurance claims after unexpected property damage. One of the most common challenges these communities face is understanding how their master insurance policy works, especially when Read more…
Learn MoreTired of Insurance Skipping Over the Real Scope of Work? You’re Not Alone. As a contractor, you know what it takes to put a property back together the right way. Full tear-offs. Code compliance. Matching materials. Making sure the customer gets what they had and that the repairs are done right. But time and time Read more…
Learn MoreWhy Working With a Public Adjuster Saves You Time and Paperwork As a contractor, your time is best spent on the jobsite—not buried in insurance paperwork. But too often, insurance-funded projects come with headaches: confusing scopes, low estimates, delays in approvals, and long back-and-forths with adjusters. That’s where a public adjuster makes all the difference. Read more…
Learn MoreAt the CAI MN Tradeshow and Expo on Friday, February 7th, Gavnat’s COO, Adina Bergstrom, participated in a panel on the State of the HOA Insurance Market, alongside industry experts Eric Skarnes (President – Insurance Warehouse), and Maureen Porter (Founder – Community Association Insurance Consulting). The three panelists led a two-hour panel and active discussion Read more…
Learn MoreNavigating Water Damage During Freeze-Thaw Cycles Understanding Freeze-Thaw Cycles and Their Impact on Water Damage Winter can bring unpredictable weather patterns, especially in regions prone to freeze-thaw cycles. These cycles occur when temperatures fluctuate above and below freezing, causing water to expand and contract. Over time, this natural process can lead to significant structural damage, Read more…
Learn MoreA Home Lost, A Claim Denied When a devastating wildfire swept through Northern California in 2022, one homeowner thought their fire insurance policy would help them rebuild. They had paid premiums for over a decade and expected the claims process to be straightforward. Instead, their fire insurance claims encountered delays, increased scrutiny, and an eventual Read more…
Learn MoreAs of August 1, 2024, a new statute—Minn. Stat. § 65A.3025—will provide Minnesota homeowners with greater clarity regarding HOA loss assessment coverage under condominium and townhouse insurance policies. This legislation, championed by Big I MN alongside the Department of Commerce and the Insurance Federation of Minnesota, standardizes how loss assessment claims are handled across different Read more…
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