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How Do You Know When You Need Public Insurance Claim Assistance?

When the worst happens, it can be an incredibly stressful time. There are a lot of things to think about; from ensuring the well-being of loved ones to dealing with needed emergency repairs. And, dealing with your insurance company is the last thing you want to have to worry about, especially if you are inexperienced with insurance claims and how they work.

public insurance claim assistance

A public insurance adjuster from Norcia can help you with your insurance claim so that you can rest easy. But, how do you when to call us for help? We offer expert public insurance claim assistance in Minnesota and have years of experience helping homeowners like you get the insurance help they need. One may think they can handle the insurance claim process on their own and that all they need to do is call the insurance company, submit paperwork and then wait and receive a check for the full amount. However, keep in mind that insurance companies are always looking out for their own interest above all else. And often, the amount you are entitled to and the amount they think they owe you are two very different numbers.

With Severe Weather Awareness Week approaching this April 17 through 21st, we would like to provide you with the cues and warning signs that it’s time to reach out for public insurance claim assistance:

First, call a public insurance adjuster at Norcia Insurance Consultants at the first sign of damage. Whether it’s a storm, tornado or similar situation, having an adjuster on your side right off the bat means you start on a level playing field with your insurance company. Your public insurance adjuster will know the certain conditions of your insurance policy that must be met and strictly adhered to before and during the claims process. So, don’t hesitate to call for all-important public insurance claim assistance!

Next, call one of our public insurance adjusters at the first red flag that you get from your insurance company. One red flag is if they reassign your claim to another one of their adjusters. That can sometimes signal that your repair estimate is going to be revised several times before it is paid out. Public insurance claim assistance can help you avoid these types of delays.

Remember, you can save yourself time and hassle when you call Norcia Insurance Consultants for public insurance claim assistance.

So when you need reliable and professional public insurance claim assistance in Minnesota, call Norcia Insurance Consultants at 1-866-512-LOSS (5677) or you can contact us to Request a Free Consultation.

Have a Safer, Insured 2017

This time of year, many people are trying to keep up with their New Year’s Resolutions. Why not make one that counts; to be prepared in the event that damage occurs to your home or other tragedy occurs. It’s easy to keep this resolution, simply contact our insurance consultants in Wisconsin today and they can help prepare you for the many possibilities that may arise when the worst happens. From being prepared in the event of a winter storm, to loss consultation, you can trust Norcia Insurance Consultants. We offer the insurance claim help you need, speaking to your insurance company on your behalf and working to help get the full amount you are entitled to. Start preparing today. Here are a few things to keep in mind when it comes to possibility of dealing with an insurance claim:

Emotional implications. In addition to the financial and physical issues that may arise, there will no doubt be emotional aspects to deal with as well. However, when you hire a professional insurance consultant, we can handle all of the legwork that comes with filing a claim. By dotting your I’s and crossing your T’s for you, it can give you the ability to deal with other aspects of a tragedy like being there for your family.

insurance consultants

Stress. As a homeowner, you might expect the insurance company to pay out a fair and reasonable amount of money in the event of a tragedy. However, you may ultimately find out you will only receive a fraction of what was expected. This can not only come as a shock, but result in a stressful experience. This is why we highly recommend speaking to one of our professional insurance consultants when filing an insurance claim. We work for you, not the insurance companies, helping you get what you deserve.

 

Time. The insurance claim process can go on for several months or even a year! Having insurance consultants on your side can help alleviate this heavy burden on day-to-day life. Let us analyze your insurance policy, assess the damage to your home, complete and submit your insurance claim, so that you can get back to your busy schedule.

This year, promise yourself that if damage to your home or tragedy should arise, to be prepared and trust the experts at Norcia Insurance Consultants. Insurance consultants in Wisconsin are just a phone call away. We will outline all we can do for you, and you’ll get to see firsthand that insurance consultants can take a whole lot of stress off of your plate.

Call Norcia Insurance Consultants at 866-512-LOSS (5677), or contact us and set up a Free Consultation.

Public Insurance Adjusters Provide the Assist

Winter means cranking up the fireplace for so many Minnesotans! Nothing provides an earthier or more meaningful way to keep warm than the sentimental wood-burning chimney effort! The odor, the crackle, the trance-inducing fire, all of it adds up to you and yours frequently sitting around the fireplace to enjoy family time.

The fireplace is not all roses, sunshine and warmth. Often that and the overall chimney network can be hazards if not properly cared for and maintained from the cold to warm to cold parts of the year in an annual cycle. As public insurance adjusters in the Twin Cities, so many of your acquaintances, colleagues, family and friends have been assisted in the event of their home being victim to damage in the form of beyond desired chimney fire.

Being that the fireplace is something that is annually shut down only to be reawakened at a later date, you need to, once a year, right before or right after winter, have that chimney professionally inspected and cleaned. When a standard house-warming fire burns in your fireplace, creosote begins to form. It accumulates and builds up with each subsequent fire. This black and sticky flammable substance should be cleaned regularly to prevent it from igniting and causing a fire at a place with your chimney that you do not want it to be.

Make sure that the wood you are burning is dried and cured (Your logs need to be split, dried for 8 to 12 months). Stack these logs so that it has a cover on top of it, leaving openings on their sides to accomplish proper air flow. Do not utilize lumber scraps, construction scraps, painted wood or other pieces of treated wood. These types of wood could release harmful chemicals into your home, and it could affect the indoor air quality at your house. You can use starter logs to start the fire if you need to, but just be sure to use only one of them at a time since they burn very hot.

Always utilize the damper when your fireplace is not in use. This will help keep the warm air currently occupying your home from getting out. When actively burning a fire in the fireplace, make sure you keep the doors of the fireplace open to allow the heat of the fire to get into the room.

These helpful tips can eliminate a worst case scenario from unfolding within your home. No disaster equals not having to call on your insurance company. If you do find yourself in the undesirable position of having to deal with your insurance company alone, hire some public insurance adjusters 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.

Insurance Claims Management Specialists Save You Some Trouble

Once your home has been the victim of damage as a result of fire, flood or some other type of catastrophe, the sensation of being pulled in many different directions can be overwhelming. With so much to take care of in the aftermath of such—not to mention the stress—the waters often become muddied as far as what steps you should be taking. As insurance claims management specialists to Minnesota home owners, we would like to offer a few suggestions on what steps you should take.

The Documentation

Document every single possible issue that can be deemed a “loss”. Take a mountain of photographs and notes. Go room by room inside of the house, side by side on your home’s exterior. Take close-ups, zoom in. In cases of loss with regard to natural disaster in pursuit of recompense from your insurance company, it is far better to have way too much in the way of documentation than little at all.

The Fire Department

If you have even an ounce of concern over the safety of your property, call your local fire department. They will help you verify whether or not your home’s utilities are safe for use. They will also turn off your utilities if they are deemed unworthy of normal application.

The Home

If your home has taken on severe damage, board up your windows and doors. This will aid in the effort to prevent it from taking on even more damage, in addition to protecting the assets within. If you bring in a contractor to do such work, keep the receipt. You never know and keeping an accurate log of all transactions related to the disaster your home has endured will go a long way in aiding the insurance claims management process.

The Insurance Company

Get a hold of your insurance company as soon as is possible for you. You will want to provide them with every possible detail on the event that caused the damage, the damage sustained and all losses that have occurred. Ask your insurance company for a copy of the ACORD claim form so you that you can prove that an insurance claim was indeed filed. Do not hesitate to also get a hold of your mortgage company to inform them of the goings-on and inform them of any damage or loss.

For more information on insurance consultants in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Safety Messages about Smoke Alarms for Fire Prevention Week

The content for this blog is taken from the National Fire Protection Association. October 9-15 is Fire Prevention Week with a focus on replacing smoke alarms every 10 years.

Smoke alarms are a key part of a home fire escape plan. When there is a fire, smoke spreads fast. Working smoke alarms give you early warning so you can get outside quickly.

Smoke Alarm

Safety Tips

  • A closed door may slow the spread of smoke, heat and fire. Install smoke alarms in every sleeping room and outside each separate sleeping area. Install alarms on every level of the home. Install alarms in the basement.
  • Large homes may need extra smoke alarms.
  • It is best to use interconnected smoke alarms. When one smoke alarm sounds they all sound.
  • Test all smoke alarms at least once a month. Press the test button to be sure the alarm is working.
  • There are two kinds of alarms. Ionization smoke alarms are quicker to warn about flaming fires. Photoelectric alarms are quicker to warn about smoldering fires. It is best to use both types of alarms in the home.
  • A smoke alarm should be on the ceiling or high on a wall. Keep smoke alarms away from the kitchen to reduce false alarms. They should be at least 10 feet (3 meters) from the stove.
  • People who are hard-of-hearing or deaf can use special alarms. These alarms have strobe lights and bed shakers.
  • Replace all smoke alarms when they are 10 years old.
  • Smoke alarms are an important part of a home fire escape plan.

Plan your Escape

  • Your ability to get out of your house during a fire depends on advance warning from smoke alarms and advance planning.
  • Get everyone in your household together and make a home escape plan. Walk through your home and look for two ways out of every room.
  • Make sure escape routes are clear of debris and doors and windows open easily. Windows with security bars or grills should have an emergency release device.
  • Plan an outside meeting place where everyone will meet once they have escaped. A good meeting place is something permanent, like a tree, light pole or mailbox, a safe distance in front of the home.
  • If there are infants, older adults, family members with mobility limitations or children who do not wake to the sound of the smoke alarm, make sure that someone is assigned to assist them in the event of an emergency.
  • If the smoke alarm sounds, get outside and stay outside. Respond quickly – get up and go, remember to know two ways out of every room, get yourself outside quickly, and go to your outside meeting place with your family.
  • Learn more about home escape planning.

Children and Smoke Alarms

NFPA is aware of research indicating that sleeping children don’t always awake when a smoke alarm activates. While this research is worrisome, we shouldn’t allow them to obscure the fact that smoke alarms are highly effective at reducing fire deaths and injuries.

NFPA reaffirms the value of the smoke alarms already available to protect people from home fire deaths and voice its concern about the number of U.S. households without these early warning devices. While 96 percent of American homes have at least one smoke alarm, no smoke alarms were present or none operated in two out of five (41%) of the reported home fires between 2003-2006. Almost two-thirds of home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms.

NFPA emphasizes the need to continue planning and practicing home fire escape plans and to make sure everyone in a home can be awakened by the sound of the smoke alarm. NFPA suggests practicing the escape plan during which the smoke alarm is activated so all family members know its sound.

Every home fire escape plan is different, and every family should know who will – and who won’t – awaken at the sound of the smoke alarm. If someone doesn’t wake up when the alarm sounds during a drill, the family should design an escape plan that assigns a grown-up who is easily awakened by the alarm to wake the sleepers, perhaps by yelling “FIRE,” pounding on the wall or door, or blowing a whistle.

Norcia wants everyone to be safe in their homes, specifically from the threat of a fire. If you would like more information about smoke alarms and how to keep your home and family safe, please visit the public education section of NFPA’s website. If you experience a damaging fire in your home, Contact Us for assistance with insurance claims and working through the property damage.