Public Insurance Adjusters Help the Overwhelmed Homeowner

As a public insurance adjuster serving Wisconsin, we know how much our job means to homeowners. We are advocates for your cause, always working hard to get you the full amount of compensation due from your insurance company following disaster or tragedy. Please check out the following reasons an insurance adjuster can be an asset to you if you need to file a claim with your insurance company.

We can help take away a lot of the stress you are experiencing. If an unfortunate event were to befall your home, and you need to make a claim with your insurance company, a lot of undue pressure is often added to your daily life. An insurance adjuster of our sort handles all of the legwork associated with filing such claims. You are then free to handle any other aspects of the event like dealing with the emotions, being there for your family and taking care of the other, more important things in your life.

A public insurance adjuster is your advocate. We are here to make sure you get the full amount of the insurance compensation that is due to you as per the terms set forth in your insurance policy. The insurance world can be a bit murky. Public insurance adjusters are here for you and yours to unmuddy the waters of the hectic homeowner’s insurance world. We are here to advocate on your behalf so you do not have to stress out or worry about how much money your insurance company is going to pay out.

Finally, a public insurance adjuster is also there to help you understand the subtleties and vagaries of insurance claims like how and when to file, what and when to expect compensation. If you have not dealt with insurance companies in this fashion before, the insurance world can be confusing and a bit overwhelming. A public insurance adjuster like us can come to your home, explain to you what is unfolding, clarifying all aspects of the paperwork and contracts that you might otherwise have a hard time understanding.

A public insurance adjuster is in your corner, not the insurance company’s. Our job is to look out for you to make sure that you get fair and reasonable compensation from your insurance company when you file a claim.

Do you need a public insurance adjuster in Wisconsin? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us and set up a Free Consultation.

 

Fireplace Safety Tips

insurance adjuster minnesota norcia insurance consultantsFor many families, winter months mean sitting around their wood-burning fireplace and enjoying the warmth and comfort of a crackling fire while roasting marshmallows and spending quality time with one another. But, as many of us know, a fireplace and chimney can be fire hazards if not properly used and cared for. As an insurance adjuster in Minnesota, we have helped countless homeowners whose houses have sustained damage as a result of a chimney fire, so here are a few tips on how to make sure yours is as safe to use as possible.

  • At least once a year, preferably either right before or right after winter, have your chimney professionally inspected and cleaned. Every time you have a fire in your fireplace, creosote forms. Creosote is a black and sticky flammable substance that needs to be cleaned off on a regular basis to ensure it doesn’t ignite and cause a fire.
  • 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. You should make sure the log pile has a cover on top of it, but leave the sides open to allow for air to properly flow through.
  • In your fireplace, make sure the only thing you are burning is wood. Do not burn 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.
  • When you don’t have a fire going in your fireplace, make sure you close the damper to keep the warm air from getting out. And when you are burning a fire in your fireplace, make sure you keep the glass doors open to allow the heat of the fire to get into the room.
  • Make sure you have a cap on top of your chimney that is in good working order. The cap will help keep animals from nesting in your chimney (which is a fire hazard in and of itself), and they also help reduce downdrafts. A professional chimney sweep can check your cap as a part of your annual inspection and they can install a new one if need be.

For more information on how to hire an insurance adjuster in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

MN Public Insurance Adjusters Need to Be Independent

A recent story from NBC New York caught our eye, as it details how one public insurance adjuster duped homeowners into signing bad contracts with a contractor of the adjuster’s choosing. One quote in particular stuck out:

“We hired a public adjuster which, in my family’s opinion, was the worst mistake ever,” said Chancy Marsh.

Hearing things like that makes our stomach turn, although it’s understandable why Mr. Marsh now feels that way. Read the entire story by clicking here.

When you hire a public insurance adjuster in Minnesota or anywhere else, you expect that this person will work for you in your best interests, since YOU hired them. And they should work for you, not steer you toward a contractor of they’re choosing.

While many Minnesota adjusters do have relationships with contractors, they shouldn’t push you toward the contractor they want. They need to be impartial, and understand you might have a contractor with whom you trust and wish to work. If not, they should be able to recommend different contractors, or encourage you to find your own.

One of the National Association of Public Insurance Adjusters codes of conduct is:

Members shall not acquire any interest in salvaged property or participate in any way, directly or indirectly, in the reconstruction, repair or restoration of damaged property, except with the knowledge, consent and permission of the assured.

In short, no adjuster should push toward a contractor of their choosing. If you find this is happening, look for a new adjuster. This person isn’t working in your best interests. If they are stressing a company over another, don’t be afraid to ask them why they are highly recommending them. Maybe do some research and see if there’s a connection between the contractor and the adjuster.

Looking for a Minnesota public insurance adjuster that works FOR you? Call us now at (866) 512-5677 or Click Here to Request a Free Consultation.

How Public Adjusters Can Help after a Disaster

Natural disasters –those unforeseen, oft described as acts of God, events that have a way of irrevocably changing life, as we know it. It might be a fire that eliminates all the pictures, family mementos or business records, a flood that destroys all it comes in contact with, or a devastating tornado that leaves you trying to determine where to turn and how to proceed. However, with insurance, you can begin to move forward.

Sadly, though, there are times that the insurance you thought would be there to help you in your time of need, doesn’t deliver. Should this occur, you will need to work with a third party insurance adjuster. Third party insurance adjusters are there to help you get the monies you need. They will prepare a comprehensive assessment of all the damage to your home, business and other assets then present your claim to the insurance company. They will work with the insurance company to ensure that you get the full amount needed to make the repairs, pay for any medical assistance, etc. that you have. A third party insurance adjuster will be there with you throughout the entire insurance claims process. They will be able to answer your questions so you can move forward as quickly as possible.

A third party insurance adjuster is also able to study your insurance policy and help determine if the types of coverage you are carrying will be enough to help you get the amount of money you would need in the event of an emergency. Most homeowners are not insurance experts and as a result, they choose a policy that would leave them severely uncovered should they be faced with a natural disaster. Talking to a third party insurance adjuster is a great way to take a proactive approach to a potential problem.

Disaster recovery can be traumatizing. You are reeling from the emotional affects, trying to grasp the financial loss involved and may even be dealing with a physical injury, so finding the energy to handle the other elements is virtually impossible. Enter the insurance adjuster. These people are specifically trained to help you pick up the pieces of what “once was” and help you begin turning it into “what it will be.” They know how to deal with an insurance company that is dragging its feet, so that you can begin moving forward again and they are there to help you each step of the way.

Fire Insurance Claims: 5 Tips for Filing

Fire continues to be a continuing threat to properties, and insurance companies are trying to cut corners on fire insurance claims in order to save money. Since the threat continues to increase, homeowners need to be familiar with how to file a fire insurance claim. There are few experiences more devastating than losing all your belongings and home, so the last thing you need to deal with is your insurance company giving you a hard time about the claim. Here are tips to follow when dealing with fire insurance claims:

  1. Ask for an advance against your ultimate claim
    If dangerous conditions forced you to evacuate, meaning you were unable to grab essentials, don’t panic: call your insurance company and ask that someone bring a check to you, so you’re able to buy necessities. Take care of your needs, but don’t buy frivolous or the most expensive items. The amount you get in advance will be deducted from your final claim.
  2. Make a list of losses; don’t throw anything away
    Begin putting together your list of losses immediately so you can remember what was lost to fire. Don’t throw anything away, as the insurance adjuster will want to see these things to include them in the coverage.
  3. File your claim right away and ask the company for immediate action
    Most policies require homeowners to file their claims ASAP. Call your agent immediately to get the process started. If you don’t, you could find yourself on the bottom of the list and it could be quite some time before an adjuster reaches you. Since you are acting as quickly as possible, your insurance company will need to do the same. If you find they are taking too long to get in touch with you, let them know you will get in touch with the appropriate state officials, and this should prompt them to act.
  4. Secure your property
    Your insurance company will require you to take reasonable care of your property, so you need to do everything you can to secure it from further damage. If there is a total loss, then this is unnecessary, but it only one are of the home was damaged, you’ll need to be proactive in taking actions to prevent against further damage.
  5. Monitor living expenses
    Your policy includes a “loss of use” clause, meaning you will be reimbursed for living expenses while you’re displaced. However, be aware you’re only entitled to the difference between what you spent when you were displaced and what you spent while you lived at home. If you’re staying with loved ones during this time, then your hosts might be reimbursed for these costs, so ask them to itemize additional costs.

If you find you’re having issues with getting your claim, then it’s time to get in touch with a qualified public adjuster like Norcia Insurance Consultants. Call us now at (866) 512-5677.