Bauman Financial & North Central Insurance Agency - Delano Office

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Commerce Home /

Nobody enjoys planning for the worst, but knowing what to do ahead of time can be an important step in being able to take control of a bad situation. Below is some great advice from the MN Commerce Department.
Give me a call today to review your home…….and all of your insurance needs!

In the aftermath of severe storms with hail and destructive winds, Minnesota Commerce Commissioner Mike Rothman urges Minnesotans who experience damage to their homes, businesses or vehicles to contact their insurance companies to start the claims process.

"Insurance is meant to be there at times like this when people are most vulnerable," said Rothman, who serves as the state's insurance regulator.

The Commerce Department website ( features a Disaster Information Center with guidance about how to plan ahead and what to do after a disaster strikes.

Rothman offers the following tips for Minnesotans affected by the storms:

Notify your insurance company or agent as soon as you can to start the claims process. If possible, have your policy information available when you call.

Make temporary inexpensive repairs to prevent further damage. For example, board up broken windows or throw a tarp over a leaky roof. Keep receipts for materials you buy, so you can be reimbursed. Do not make permanent repairs until your insurance company has inspected the damage.

Record the damage. Take photos or video if possible. Make a detailed list of all personal property destroyed, damaged or lost. Share this list with the insurance adjuster. Do not throw out any damaged items until the adjuster has inspected them.

If you need to relocate because of damage to your home, keep receipts for your temporary living expenses. Ask your insurance agent or company if your policy covers living expenses until repairs are made. Many homeowners policies provide for temporary lodging and meal expenses up to a certain percentage of the home's insured value.

Work with the insurance company adjuster. Your insurance company will send an adjuster to inspect the damage. The insurer pays the adjuster, so you should not be asked for any payment.

The adjuster will provide you with a proof-of-loss form. Use this form to file a claim with your insurance company as soon as possible. You will receive your claim payment after you and the insurer agree on the amount of the damages.

You have the right to choose which contractor will repair your home. Once your insurance claim is processed, get estimates from local contractors known to you or recommended by someone you trust. Avoid "storm chaser" contractors from out of town who go door to door. Ask contractors for references and proof of workers compensation insurance. Check their license status and any disciplinary actions at the Minnesota Department of Labor & Industry website.

Insist on detailed, written estimates for repairs. Avoid high-pressure sales tactics. Some scammers will try to trick you into signing a contract by saying it is an estimate. Your signature is not required to receive an estimate.

Prepare a written contract agreement with anyone you hire. It should specify the work to be done, the materials to be used and the price breakdown for both labor and materials. Do not pay the whole repair bill in advance. Pay in full only when the work is completed according to your agreement.

Your homeowners insurance will generally cover removal of a fallen tree only if it caused damage to your house or other insured structure. There may also be a coverage limit for the cost of removal.

Storm damage to your vehicle may be covered by your auto insurance. Whether your vehicle was damaged by hail or a fallen tree, your loss may be covered as long as you selected "Comprehensive" or "Other than Collision" in your auto policy. Check your "Minnesota Insurance Identification Card" or call your agent or insurance company.

Are you feeling cautiously optimistic about the near-term future of the economy? Well the economists at Nationwide can help you understand what is happening.

See the link to the article posted on my website.

Luke Bauman
(763) 972-6198
If something were to happen to you, I'd be one of the few DELIVERING a check to your loved ones. Get your ANONYMOUS Life Insurance quote in less than 60 seconds at today!

....getting ready for the next big move.......

Bauman Financial Group

If you have a minute to spare, please check out our website at

Some of the improvements are:

• Link to which is devoted to retirement planning. Check out thelibrary of short educational videos!

• Link to which has a library of videos and literature covering a broad array of topics like life insurance, disability coverage, long term care, and more.

• See the enhanced menu bar at the top for access to articles, information about Carriers offered through Bauman Financial and more.

• And don’t forget about the handy Term Life Quote tool. Just click on the Banner and get a REALISTIC term life insurance quote anonymously and in less than 60 seconds!

Bauman Financial is an independent broker of life, disability, long term care, annuities, and more. This means we have the freedom to match you with the right company to meet your needs so that you have a plan that will work under all circumstances.

Call today! Bauman Financial Group offers over 18 years of experience and long-standing relationships with some of the best nationally recognized financial companies and the most respected local legal and tax professionals.

Prince's sister says he had no known will

When Something Happens to you, WHAT's NEXT?

Today, I ask for a minute of your time to talk about something that is very important.

I’m not a lawyer and chances are neither are you. But, for those of us who are middle-aged or better, odds are we have been affected by the death of a loved one.

If you do not have a plan to direct your affairs when you leave this life, I have good news and bad news.
The good news is that if you do not have a plan, the State has one ready to go for you.

The bad news is that this process generally involves probate court. Probate court can be a long and drawn out affair. The recent death of Prince, who was a Minnesota resident, highlights the troubles that can happen if we don’t have our affairs in order.

There are two important aspects to a good estate plan:

• Legal documents – find a lawyer you trust and ask them about estate planning. There are two main documents that apply to most of us. They are Wills and Trusts. These documents exist to help the State and your survivors understand your desires when you cannot direct your affairs or speak for yourself because of death or being incapacitated.

• Financial Planning – this is an essential component of any estate plan. Will the funds that are needed at your death be available? Do your accounts and insurance policies have proper ownership and beneficiary designations?

Your legal and financial plans need to be in harmony with each other. They are in fact, two aspects of one plan.

Having been in the financial business for over 18 years, I have had to deal with my share of bad planning or no planning. Dealing with the emotional and spiritual aspects of the death of a loved one does not have to be made worse by leaving them a legal and financial mess to deal with as well.

If you don’t have a plan, or if you think your plan needs to be updated, call me today. I can help you understand what is involved in the process and if needed, connect you with trusted attorneys and accountants that I have been working with for years and have helped many of my clients.

Call today for your free consultation!

Truly Yours
Luke Bauman
(763) 972-6198 The wrangling over Prince's estate began formally Tuesday when one of his siblings filed an emergency motion to have a special administrator appointed to gather and protect his assets.

Prince's sister says he had no known will

Estate planning is for everyone. If you haven't thought about what will happen WHEN something happens to you, call me today! The wrangling over Prince's estate began formally Tuesday when one of his siblings filed an emergency motion to have a special administrator appointed to gather and protect his assets.

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127 Bridge Ave East, Suite 215
Delano, MN

Opening Hours

Monday 09:00 - 19:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 08:30 - 17:00
Friday 08:30 - 17:00
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