Minneapolis Liquor Store Overcomes Total Loss With $1.2 Million Recovery

Minneapolis Liquor Store Overcomes Total Loss With Expert Insurance Advocacy

In May 2020, Minnehaha Lake Wine & Spirits, a beloved neighborhood liquor store in Minneapolis, suffered a catastrophic fire that completely destroyed the business. The loss was overwhelming; the fire not only destroyed the physical store at 2613 East Lake Street, but also wiped out most business records and inventory documentation.

For owner Steve Krause, the road ahead seemed nearly impossible. With a total loss, complex insurance policies, and very little documentation left, the prospects of rebuilding felt daunting.

The timing makes this outbreak particularly dangerous. While things will ignite this afternoon, the danger zone stretches deep into the night as the system races east at speeds up to 70 mph. Nocturnal tornadoes are the ones that keep us up at night — they strike when people are asleep, invisible in the dark, giving you mere minutes to react.

• Immediate advocacy: They quickly took over the claims process, providing guidance and representation from the very beginning.

• Reconstructing records: Using industry knowledge, Sill helped reconstruct lost records and accurately document both property and contents claims.

• Assertive negotiation: Sill’s adjusters negotiated directly with the insurance company, ensuring that all aspects of the claim—including business interruption—were thoroughly addressed.

• Relieving administrative burden: Their support eased the emotional and daily burden on the Minnehaha Lake team, allowing Steve and his staff to focus on future planning and rebuilding.