Thank You and Happy Holidays from Norcia Insurance Consultants

With the end of 2017 almost here, we want to take a moment to thank all our wonderful clients for their support. For more than 20 years, we have been serving Minnesota and western Wisconsin as public insurance adjusters. We are thankful for another year in business, and it is because of the support and patronage from so many of you!

As this year winds down, we just want to thank each and every one of you for choosing Norcia Insurance Consultants when you needed assistance with an insurance claim. We hope you will trust us with all your future insurance claims needs!

We wish each of you a merry Christmas and a happy and prosperous new year!

Merry Christmas & Happy New Year

Avoid an Insurance Claim this Season: Holiday Home Safety Tips

For many families, the holidays mean Christmas lights, bringing a tree indoors, sitting around their wood-burning fireplace, baking homemade cookies and wrapping presents. But hopefully, your holidays don’t include insurance claims! As many of us know, many hazards can arise this time of year and the last thing you want for Christmas is the need to file an insurance claim. At Norcia Insurance Consultants, we are the experts in insurance claims for Green Bay and the surrounding areas and would like to offer some tips on how to make sure your holidays are as safe as possible.

The Lights

Before stringing up the lights, carefully inspect them each year and discard any with frayed cords, cracked lamp holders, or loose connections. When replacing bulbs, unplug the light string and be sure to match voltage and wattage to the original bulb. And, always unplug or turn off holiday lights whenever you leave the house and before going to bed. You can even use an outdoor timer to turn lights on and off but make sure it is certified by CSA International.

And, never connect more than one extension cord together; instead use a single cord that is long enough to reach the outlet without stretching, but not so long that it can easily become tangled. By avoiding electrical hazards like these you can also decrease the chance for insurance claims this year.

The Tree

Make sure your tree is fresh and not dry. Purchase a freshly cut tree, as they are more resistant to ignition. Keep tree watered and away from any open flames like candles or fireplace.

Smoke Alarm

The Alarm

Test your smoke alarms monthly to make sure they work, and be sure to install smoke and carbon monoxide (CO) alarms on every level of your home and especially near sleeping areas.

Tending the Fire

At least once a year, preferably either right before or right after winter, have your chimney professionally inspected and cleaned. In your fireplace, make sure the only thing you are burning is wood. Do not burn wrapping paper, lumber scraps, construction scraps, painted wood or other pieces of treated wood. Make sure you only burn wood that is dry and cured. This means the logs need to have been split, stacked and dried for at least 8 to 12 months.

And these are just a few of the ways you can help protect your home from then need for insurance claims this holiday season. For more information about insurance claims in Green Bay, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Common Summer Hazards: Public Adjusters Provide the Assist

The summer is not yet over and there are still many hazards around the home that could pose a threat to you and your family. Your home is supposed to be a place to feel safe and secure. However, there are a few seasonal dangers that can catch you off guard and cause damage to your home. As a public adjuster for the Twin Cities, we are all too familiar with these types of hazards and would like to provide a rundown of what they are and help offer awareness. But, in the unfortunate event that something does occur, call a public adjuster for assistance. We can help take away a lot of the stress you are experiencing. If one of these events were to befall your home, and you need to make a claim with your insurance company, we can help you deal with the legwork associated with filing such a claim. Take a look at these hazards below and try to avoid letting them become a problem in your home.

public adjuster

Overworked Electrical Systems

This time of year a lot more appliances are plugged in at a time. During the dog days of summer, additional strain from AC units can potentially cause outages, blackouts and even shorts. More appliances combined with soaring temperatures increases the chance for a short circuit, thus creating the danger of a house fire.

Outdated Air Conditioners

We all use air conditioners in the summer. However, many units are either dirty or not up to date. This can not only cause poor air quality but high energy costs and fire hazards as well. Make sure your AC is cleaned or serviced at least once a year and that your filters are replaced often.

Relaxed Home Security

When you’re spending more time outdoors, windows and doors can be left open. When you open your home to the fresh air you also need to make sure you’re not opening it up to unwanted guests. Property crimes increase during the summer months so make sure you are keeping your household secure.

Flooding

This time of year, summer rains can flood basements and homes and even damage appliances. Floods can cause a lot of damage so keep your eye on the weather and make sure your home, including the roof and basement is prepared for heavy rains.

Don’t allow any of these summer hazards to put a damper on your plans. And, if you do find yourself in the undesirable position of having to deal with your insurance company alone, hire our public adjuster in the Twin Cities area. Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Severe Weather Prep & When to Call an Insurance Adjuster

In Wisconsin and Minnesota, severe weather makes its appearance often. And, as an insurance adjuster for Wisconsin and the surrounding areas, we have seen our fair share of damage to homes and property. Much of this damage comes from severe weather, like storms and tornadoes. So, we’d like to provide you with ways in which to prepare for an event such as this, including when it’s time to call an insurance adjuster for help.

insurance adjuster

When the worst happens and your home sustains damage from a storm, fire or another unexpected event, it is an incredibly stressful time. You might think that you can handle the insurance claims process on your own. However, you should keep in mind that your insurance company is always going to be looking out for its own interests first. But, before you contact an insurance adjuster, here is what you can do to keep you, your family and your property safe:

Have a Plan

Make sure everyone in your family knows where to meet in the event you are separated and what to do in case of severe weather. You should also have a safe area of your home in case of a tornado. This room should be underground if possible and windowless. If this is not available, try to get to a bathroom and into a shower stall or bathtub. Stay there until an all clear sign or until someone comes to get you.

Keep Emergency Supplies

Included in your emergency kit should be a flash light, batteries, a battery-operated radio, gallons of water, canned food and a first aid kid including band-aids, gauze, hand sanitizer, thermometer and medical tape. Also have a list of emergency contacts and medical insurance cards.

Keep an Eye on the Weather

Always make sure your car has plenty of gas in the event your area is ordered to evacuate. Also, sign up for text message alerts.

When to Call Your Insurance Adjuster

Once it is safe and everyone in your household has been accounted for, take a walk around to your home to see what damage has been done. Take any notes or photos if possible. Call your insurance adjuster to help with your insurance claim once all emergencies are taken care of.

Call on Norcia and their team of insurance adjusters to help you with every aspect of your insurance claim. We can handle the paperwork, documentation and fight to get you the amount you are entitled to for your damages.

Call on us at the first sign of damage to your home. It would also be a good idea to get a hold of us at the moment you start seeing red flags from your insurance company.

Do you want more information on how to hire an insurance adjuster in the Twin cities? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.

Insurance Disputes and How to Get the Help You Need

Having homeowners insurance is meant to relieve financial stress after damage to your home, right? But often, a claim settlement is denied or falls short of your expectations. And, either of these events can leave you very frustrated. Not only are you worried about the health and well-being of your loved ones and emergency repairs, but dealing with your insurance company can add to the stress leading to feelings of being overwhelmed. Dealing with your insurance company is no easy task. When you need help with insurance disputes in the Twin Cities, it is essential you enlist the experts for assistance. Insurance disputes about the nature of your claim can arise for many reasons; whether they be the fine print buried in your policy or debates over the actual cost of fixing your home.

insurance disputesSo, when you believe you may be getting a poor deal, the experts at Norcia Insurance Consultants can help you understand your policy, speak directly with your insurance company and help settle any insurance disputes.

What are insurance disputes? An insurance dispute is a disagreement that arises about the amount due, the amount a company is willing to pay on a claim, or the nonpayment of a claim.

What to do in the case of insurance disputes. First, know your rights. The professionals at Norcia know all of the laws that dictate what insurance companies can and cannot do when it comes to bill collecting, settling claims and similar matters. Each state is a little different, but most states include the following regulations:

  • An insurance company cannot misrepresent your policy
  • They cannot use the appeal process to force their policyholders to settle for less than they are due
  • A company must acknowledge and process a claim promptly
  • Insurance companies cannot ask you for unnecessary forms in order to delay the process
  • A company must have a good reason to deny a claim
  • And many more

When you call Norcia Insurance Consultants, we can be your valuable resource in resolving any insurance disputes amicably. We work for you, not the insurance companies, and always have your best interest at heart.

When you educate yourself and have the experts by your side, your chances of resolving your insurance disputes are raised. Our job is to get you the full amount of insurance money you are entitled to. We will evaluate the damage, take pictures and video, analyze your insurance policy and to figure out how much money you should get.

Give us a call today and we can get to work for you! Ready to receive help with your insurance disputes in the Twin Cities? Call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to Schedule a Free Consultation.