Navigating Home Insurance Policies and Claims | Tim Johnson, Attorney

Many Minnesota homeowners now have one year, not two, to finish repairs and collect their full insurance payout. Most don’t know it. Kyle sits down with longtime friend Tim Johnson, founding partner at Smith Jadin Johnson, a Minneapolis law firm known for representing homeowners and contractors in insurance disputes. Tim explains why contractors can speak to damage and repair costs but not to what your policy covers. He also walks through the coverage changes he sees most often: shrinking deadlines for recoverable depreciation, appraisal rights now limited to fire and hail in many policies, and matching coverage you may have to ask your agent to add. They also cover what hiring an attorney actually looks like and what it costs, why a specialist beats a generalist, the risks of leaning on AI for legal disputes, and Tim’s top advice for anyone filing a claim: document everything, and be kind to your adjuster. Learn more about Smith Jadin Johnson: https://www.sjjlawfirm.com Minnesota Department of Commerce homeowner resources: https://mn.gov/commerce/insurance/ Tune in to Where We RESIDE across all streaming platforms, and watch on Spotify and YouTube.