CE Class for Insurance Agents & Adjusters

Class Information

Location: Coyote Moon – 480 55th Ave SE, St. Cloud MN 56304

Class Schedule:

7:30  –  8:00 am    Registration & Breakfast – Provided
Instructor: Jim Miller
8:00  – 12:00 pm    Liability Review
12:00 – 12:45 pm   Registration & Lunch – Provided
Instructor: Renee Bryan
12:45 – 4:45 pm     
Are we really Making Money

Liability Review
AM Session – 4 Credits – Jim Miller

Review and discuss how and why liability insurance were developed and its usage in society today.
We will include personal, business and umbrella liability coverages.

Are We Really Making Money?
PM Session- 4 Credits
– Renee Bryan
U.S. Monetary policy and budget concerns have a far-reaching scope in our economy and even of the economies abroad.  This course explores a whole range of federal policies and legislation including the complexities of our banking system, history and current taxation, money laundering, and more to determine, “Are we really making money?”

CE Class Fee:  $50/ Person – All Day (8 Credits) or Half Day (4 Credits)       

VIP Member CE Class Fee:  $45.00 All Day (8 Credits) or $30.00 Half Day (4 Credits)  

For Questions Please Call/Email: Joelle Urke ~ 320.290.7134~  Joelle@royalrenovations.net 

Payment is due with registration to reserve your spot.


Primary Classifications of Water Damage

Just like there are many causes of water damage—a flooded basement or the result of putting out a fire—there are specific water categories and classes. Knowing the source of the damage and when it occurred will help the experts determine what steps need to happen to make sure damage is cleaned up properly, leaving you with fully restored, good-as-new items.


The water damage restoration process is highly regulated. All restoration companies should be following a specific standard to ensure the property is effectively and safely restored, and workers are safe during the restoration process. ANSI/IICRC S500 provides a specific set of practical standards for water damage restoration. It doesn’t teach procedures but provides the foundation for basic principles of proper restoration practices. Water damage is classified by how dirty the water is and the level of difficulty in removing it. There are 3 categories and 4 primary classifications of water damage.


Category 1: Water damage is caused by clean, sanitary water that does not pose substantial harm if occupants are exposed to it. This could be water that overflowed while running a bath, for example. Once the water comes into contact with other surfaces (already dirty flooring), it may no longer be sanitary. Water is extracted, and extra moisture is removed with air movers and dehumidifiers.


Category 2: Water is sometimes called gray water. The water is contaminated by bacteria, mold, and/or chemicals, so it poses a health risk if exposed to it. Examples of Category 2 water damage is dirty water from washing machines or dishwashers, and leaks from water beds or aquariums. Carpet is usually removed and replaced or restored, as it is the perfect breeding ground for mold and bacteria if not treated properly. The carpet should be treated within 2 days, or it can lead to a Category 3 situation.


Category 3: Water damage is often called black water because it contains disease-causing agents. It is unsanitary and contains toxins. Category 3 water damage usually happens when overflow is caused by a sewer backup or rising flood waters. Rising flood waters may contain substances such as animal feces, fertilizers, and decaying debris. In the case of Category 3 water damage, carpet and anything else damaged (like sheetrock) should be thrown away. Chemicals should be applied to kill any remaining bacteria.


Water damage is further classified into how large of an area it affects.


Class 1: A minimal amount of water damage has occurred, and water has only overflowed onto materials/flooring of low porosity.


Class 2: A significant amount of water has overflowed and the materials it has affected are classified as medium to high porosity.


Class 3: A large amount of water has been absorbed by materials of high porosity.


Class 4: Water has overflowed into a building and is trapped. In Class 4 situations, the restoration process is especially difficult and expensive because the areas are highly porous and difficult to reach.


Expert restoration technicians will assess the category and class of water damage before deciding the appropriate measure to get your property back to safe conditions.



Your Rug Isn’t Ruined—Grab the Elbow Grease!

Rugs are expensive! Whether it’s a beautiful hand-woven rug from a small business in town or a rug you shipped from China while on vacation because you just had to have it, you don’t want to throw it away and buy a new one in the face of a damaging disaster. You want to get your old one cleaned to make it look and feel new again! But don’t try to restore the rug on your own. You may end up doing more damage than good. The staff at Royal Renovations are happy to serve as your carpet and rug cleaning experts and consultants.


Does your rug have damage by fire, water, or mold? Royal Renovations can handle it! They take care of the process from start to finish, so you don’t have to worry about sending it to several different businesses. The size of the rug doesn’t matter, either. From area rugs to a rug that sits under your bed, your flooring will be restored to as good as new after your disaster. Royal Renovations works with residential clients and commercial properties, so it doesn’t matter if your rug at home or work needs a little love—they’ve got you covered. Depending on the extent of the damage, sometimes cleaning can be done in your home or office.


The first step is to assess damage in a pre-cleaning inspection and decide what restoration methods to employ. Experts will take a look at the construction of the rug and fringe (including coloring and design), point out any permanent stains, and address new damage and concerns (such as burns, odor, sunlight damage, rips/holes, wear, yellowing, and pet urine damage). Your rug will be cleaned with a commercial vacuum cleaner and pre-spot treated. Would you believe that one rug can hold pounds of soil without even looking dirty? Then, pre-conditioning products are applied, and the rug is pre-groomed. The products are rinsed away during a surface cleaning or full immersion wash depending on the extent of the damage. No residue or extra moisture is left behind. Any spots that remain after this process will be spot treated. Rugs then usually receive fabric protection before they are dried. The rug and fringe are groomed again before a post-cleaning inspection to ensure your rug looks restored to its pre-disaster condition—or better! If rugs were cleaned offsite, they are rolled, wrapped, and secured to protect them from new damage.


Quality control is crucial, and Royal Renovations will treat your home, business, or personal belongings with the utmost care, ensuring your rugs are restored to pre-loss condition.



Where’s My Stuff? Keeping Track of Items During Content Restoration

Business property or personal property damage due to fire damage, water damage, sewer and drain backup, storm damage, or mold damage can be devastating, but forget throwing your items away! Content restoration with the experts at Royal Renovations will bring your items back to life. But where do your items go when they’re being restored? Do you have access to them?


Content restoration refers to the services to manage personal or business property damaged by a disaster. Royal Renovations has a variety of content restoration techniques to renew your items back to their original state. If items cannot be cleaned onsite, a full pack-out will be organized using content tracking software. The items will be brought to the climate-controlled secure facility at Royal Renovations where damaged items will undergo various content recovery techniques. Once items are restored, they will be stored in a warehouse until they are ready to be safely moved back to your home or business. In the meantime, you will have access to your items.


Our inventory systems are used to manage your contents/belongings. You’ll be able to view your contents, request items, and complete the non-salvage part of your claim. Your inventory is captured and digitized the moment it’s created, so tracking the location and status of items is instantaneous. A visible and continuously updated chain of custody is ensured throughout the process. Access to our inventory systems is made easy online or through a mobile application for your phone.


Our integrated programs allow policyholders, contractors, and claims professionals the ability to coordinate work, update scheduling preferences, and connect through various collaboration tools. The experts at Royal Renovations will be able to locate and return items efficiently while you can personally look up and monitor the status of your belongings. Whether it’s your child’s favorite stuffed animal or a family computer full of important documents, your items may be in our care, but you’ll be able to keep a watchful eye on them. You’ll also be able to manage your claims.


For more information on the contents restoration process, call Royal Renovations at 320-743-3440.


You Can’t Fight Fire with Fire!— How to Restore Your Home’s Contents After They’ve Burned

A home fire can be incredibly devastating to a family. Not only are there possible physical injuries involved, the emotional distress can be crushing. The home is a place of safety and comfort, but a fire can take away that sense of security, especially if the fire damages the home and items inside. Fortunately, the experts at Royal Renovations specialize in fire damage content restoration. Not all hope is lost.


Royal Renovations understands how scary and dangerous a fire can be for everyone involved, so they take special care in handling your situation in a caring and compassionate manner. Fires range in size from minor—such as a small electrical fire or cooking fire—to a large fire. Whether smoke or fire damage is minimal or the whole house has been touched and building materials and contents have been burned, Royal Renovations is able to handle every aspect of restoration. Crews are available for 24/7 emergency service.


You might want to start the clean-up process immediately, but it’s important to avoid further damage. Do not try to wipe down or wash fire remnants from damaged areas, as this could negatively impact the fire damage recovery process. You can open the windows in the affected areas if the weather permits. Don’t use appliances until they’re inspected and cleaned. Make sure you refrain from throwing anything away before documenting the damage with photos.

The experts at Royal Renovations are trained in the fire damage remediation process, including odor control, water extraction, structural drying, and complete construction. Upon arriving at the scene, they will assess the damage and control any lingering hazards to prevent any worsening damage to your home. For instance, if a hole burned through your roof and rain is in the forecast, they will address the issue with tarp and sealing services. Then, they will begin the cleanup process by cleaning away smoke, dust, and soot. Your surfaces will no longer look dark, stained, or charred. Water damage restoration will also take place during this stage. Any standing water will be removed, and areas will be dried and sanitized. Lingering odors will be removed, as well as any items that are too badly burned to be restored. Furniture that can be repaired will be fixed or reinstalled, carpets will be installed, and walls will be repainted or wallpapered. Your property will be left looking good as new—and sometimes, even better due to renovation efforts.


There’s no need to consider all your items damaged and gone or start making immediate plans to rebuild and refurnish. Royal Renovations can take care of fire damage and any potential water damage. We hope you never have to deal with the scary experience of a fire in your home, but if you do, Royal Renovations will help you get your home and life back to normal.


Don’t Chalk it up as Garbage, Restore Your Business’ Contents After a Disaster


Business property damage due to a natural disaster can be a devastating blow to your company. Fire damage, water damage, sewer and drain backup, storm damage, mold damage—the professionals at Royal Renovations can handle it all. We know how important your business’ items are to you. Don’t throw them away! Call Royal Renovations to have your contents restored to its pre-damage condition.


So what is content restoration? Simply stated, it refers to the process of recovering items after they are damaged during a disaster. Don’t junk your items just yet; they can still be salvaged! Royal Renovations has a variety of content restoration techniques to renew your items back to their original state. For example, soot and smoke odor can be removed from numerous different objects, such as textiles, documents, and electronics. If specific items need to be cleaned quickly, they can be put on a rush order and restored within 48 hours or less. During the content restoration process, you will have access to your belongings.


The process of property inventorying items after damage from a disaster is a vital part in content restoration. Royal Renovations takes care of your contents with highly organized packouts using content tracking software, complete with photo inventory and a detailed itemization of non-salvageable objects. Damaged items will be transported to Royal Renovations’ climate controlled facility. The items will be safely and securely stored (and easily accessed by you if needed) in the interim while structural damage is being fixed. Once restoration of the business is complete, the items will be moved back in. If the damage is minor enough, property can be cleaned on-site.


Royal Renovations also offers:


  • 24/7 Claims Management
  • Odor Control
  • Content Processing
  • Specialty Item Cleaning
  • Non-salvageable Inventory


If disaster strikes, count on Royal Renovations to fix your business.



CE Class for Insurance Agents and Adjusters – 9/13/18

CE Class Payment
Your Email Address:


CE Class Registration

Please join us on September 13, 2018, at Coyote Moon for our upcoming CE Class on Ethics and Current Trends in Property/Casualty Insurance.


Class Schedule
Instructor: Jim Miller
7:30 – 8:00 am Registration & Breakfast – Provided
8:00 – 12:00 pm Ethics: Accountability
12:00 – 12:30 pm Registration & Lunch – Provided
12:30 – 4:30 pm Trends in Property/Casualty Ins.


Ethics: Accountability
AM Session – 4 Credits
We need to reset our ethics awareness buttons continuously. In today’s
environment, the typical workplace attitude is to avoid being associated with the
ethics violations. Agents, employees, and management are aware that they can
be held personally liable for their actions and therefore accountability avoidance
becomes the norm. “Little white lies” and, “my boss told me to” are an
acceptable excuse. We will discuss three positive, proactive steps to establish
and maintain an ethical workplace.

Trends in Property/Casualty Insurance
PM Session- 4 Credits
We have seen more changes in the home and auto policy than ever before. What has happened to cause these changes and where are we
heading? What lines of insurance do our companies consider profitable now and in the future? What is the impact of storm losses on our property
book of business and what changes are our companies making to return to profitability?
We keep hearing of autonomous vehicles, what impact do we see from those on our book of business?
Are collision avoidance features driving rates up or down?

CE Class Fee: $50/ Person – All Day (8 Credits) or Half Day (4 Credits)

VIP Member CE Class Fee: $45.00 All Day (8 Credits) or $30.00 Half Day (4 Credits)

Early Registration giveaway: Gift Card if you Register & Pay by August 3rd
All CE VIP Members will be automatically entered for a chance to win a Visa Gift Card.


To learn more information about CE VIP or to read testimonials about our previous classes please see our Continuing Education page on our website.

Continuing Education

Royal Renovations has your Back when you have a Sewer and Drain Backup

A sewer or drain backup is one of the most-feared problems of a homeowner. Not only is it gross and smelly, but it can also be a potential health hazard if not handled properly. Whether it’s caused by toilet seepage, pipe blockage, the growth of large roots, sewer main blockage, or sewer overflow from flooding, a backup problem is something you don’t want to handle on your own. Fortunately, the experts at Royal Renovations have your back when it comes to any backups.


Sewage is a dangerous substance that you don’t want entering your home. It contains fungi, bacteria, and viruses that can cause diseases, infect your family, and ruin your furniture and objects in the home. A sewage or drain backup should be taken care of abruptly as there are immediate hazards the presence of sewage in your home can present. Elderly individuals, young children, or even individuals with respiratory problems or compromised immune systems in the home are more susceptible to the potential disease-causing substances in the sewage.

Homeowners should not stay in a home after it has been infected by sewage or drain backup unless the infected room or rooms can be completely sealed off. This prevents cross-contamination and breathing in the air of the infected area. Affected materials, unless they can be washed in hot temperatures for more than 10 minutes, should be thrown away. This includes upholstery, drywall, insulation, and other structural materials, in addition to any furniture or objects in your home that has come in contact with the backup (such as bedding and carpet). The objects shouldn’t simply be dried, cleaned, and kept. The health risk from the contaminants on the objects is too high. Highly-trained individuals should be hired to take care of the sewage backup remediation work followed by a visit from environmental professionals to ensure the area is safe to occupy again.


The experts at Royal Renovations of St. Cloud, MN will take care of you and your home if you have a sewer or drain backup. They treat your home and items with the utmost respect, doing their best to get them back to their pre-backup condition. Quality control is a top priority for Royal Renovations throughout the sewer backup clean-up process.



Clean your Carpets to Their Original Color


Over the past few months you have watched the kids and dog track all of their “summer fun” through the house. All their dirt and popsicle drips have done a number on your carpet. Instead of your carpet being a nice cream color, about now it probably more resembles the color of a dirty Bomb Pop. It’s time to see the original color in your carpets again!


There are many reasons to have your carpet cleaned. Restoring them back to their original color is one reason, but it also removes dust, dirt, allergens, bacteria, hair, and grime from deep in your carpet. Removing these things from your carpet is extremely beneficial to the health of everyone in your home! If someone in your home has allergies, it is important to have your carpet cleaned regularly to relieve their symptoms. All of this stuff stuck in your carpet carries a funky smell with it as well. Instead of blanketing your carpet with a can of Febreze, clean them so they look and smell nice.



Carpet is expensive! Cleaning your carpet helps to keep it in good condition. It will help maintain the investment you made in your carpet and also your home. If you are planning on selling your home, buyers appreciate the look of new carpet, it allows them to picture themselves in the home. Instead of spending a lot of money to replace all of your carpet, have it cleaned and restored to its original condition.



Preserve the life of your carpet, restore it to its original color and condition, remove harmful bacteria to keep your family healthy, and take care of your investment by having your carpet cleaned by Royal Renovations of St. Cloud. Summer fun is coming to an end. Back to school is a time to start healthy and fresh; Get off on the right foot and not a muddy one! Royal Renovations will come in and clean your carpets, but you will have to keep the muddy kids and dogs outside.


Work Smarter and Attend a Continuing Education Course


Industries are constantly changing. Not only are industries constantly changing but so are the standards of expected ethics in the work environment. Continuing education courses are necessary to stay current with the latest developments in the field.

In the state of Minnesota, all insurance producers and adjusters need 24 hours of continuing education and three of those 24 hours need to be a course on Ethics. Minnesota resident and nonresident licenses must complete their CE requirements prior to the last day of their birth month every two years.



Royal Renovations has you covered when it comes to continuing education classes for insurance in Minnesota. Two classes will be held at Coyote Moon on September 13, 2018: one class will be Ethics: Accountability and the other class will be on Trends in Property/Casualty Insurance. Ethics is a hot topic, but being associated with an ethics violation is not a topic you want to be a part of. Additionally, there has been more changes in the home and auto policy than ever before. When entering into this new territory of rapid change, become familiar with the effects now and how it will affect the future.



It’s time to work smarter not harder in the insurance industry. Get on top of the game and fulfill your license requirements by attending a continuing education class provided by Royal Renovations in St. Cloud, Minnesota.