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About Us


All adjusters hold valid licenses with the State of Minnesota for both appraising and adjusting. We carry our professional liability insurance through Hall and Company- St. Paul Travelers.

Steve Hoen- Adjusting property and casualty losses since 1970, Initially employed with GAB in Des Moines, IA, later transferred to various offices in Minnesota where he both managed and adjusted for GAB. Steve founded Land of Lakes Claim Service in 1980 and has been to several property and casualty schools while also being an active civic member in his community of Sauk Rapids. He holds a Bachelor of Arts degree in psychology and sociology with a minor in political science after graduating from Mankato State University in 1969. Steve handles the territory east and southeast of St. Cloud and is a past President of the Central Minnesota Claims Association.

Dan Hess, CPCU, AIC- Lives in Avon, MN and handles our "southern" and "west" territories in Central Minnesota. This would include western Hennepin and Wright counties. Dan is a graduate of St. Cloud State University in 1971 with a Bachelor of Science degree in Management-Finance. Dan has his AIC and CPCU designations and is proficient in handling all lines of claims. After graduation Dan worked at Borg-Warner Acceptance Corporation and MOAMCO from 1971-1975. He then started at GAB in 1975 and Land of Lakes Claim Service in September of 1980.

Leo Schmitz- started with Land of Lakes Claim Service in 1990 after graduating from Ridgewater Technical College Claim Adjuster's program in Willmar MN. Leo is well known in central Minnnesota as a well respected responsive multi-lines claimes adjuster and appraiser. He also has extensive CAT experience in both the southeastern portion of the United States and Minnesota. Leo is from Dawson, resides in Foley and handles all of Central Minnesota.

Carol Cave- resides in Brainerd Minnesota and handles our "northern" territory. Carol has 25 years of multi lines claims handling experience. She managed an office in Brainerd for Crawford for 10 years prior to bringing her multi lines clam handling skills to Land of Lakes in 1994.

Chris O'Hagan, CPCU, MBA- Lives in St. Cloud and will be handling claims from Stearns County on down through the west metro corridor. He holds a Bachelor of Arts degree from St. John Fisher College in Rochester NY (1985) along with a Masters in Business Administration from the University of St. Thomas in St. Paul. For the past seventeen years he has excelled as a staff technician and manager in the personal, commercial and self-insured lines of business. Chris knows the Minnesota tort landscape well and these experiences, combined with a CPCU and Masters, provides Chris with an understanding of what is expected of an independent adjuster.

We have two experienced, exceptional secretaries in Connie Olson and Linda Tatro who manage our day-to-day operations in Little Falls. Either Connie or Linda will greet you when you call Land of Lakes Claim Service. They do all of our transcribing and assembling of various reports and do so in a manner that is unparalleled.