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Unterbergers Case Summary

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This case involves a dispute over the cause and scope of an insurance claim. Plaintiffs Thomas and Doreen Unterbergers (hereinafter “the Unterbergers”) are policyholders whose home sustained wind damage from a July 11, 2016 storm (hereinafter “the Loss”). Defendant RAM Mutual Insurance Company (hereinafter “RAM”) issued the insurance policy (the “Policy”) on the property, and investigated and adjusted the loss. The Unterbergers disagreed with RAM’s determination regarding the cause, the scope of work needed to repair the damage, and the value of the loss. The Unterbergers made a proper written demand for appraisal pursuant to the Policy and Minn. Stat. § 65A.01, subd. 3 (the “Statute”). RAM attempted to limit the scope of

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