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.

Preparing for a Blizzard or Winter Storm

With winter right around the corner, people are starting to get ready for the frigid temperatures, blustery winds and freezing precipitation. Here in Minnesota, we get plenty of snow and bad weather every winter, so it is important for you and your family to be prepared in case there is a power outage or in case your home sustains any damage as a result of bad weather. If your home gets damaged and you need help with insurance claims management in the Twin Cities, you can call us for help.

In the meantime, here are a few things you should be aware of when making your preparations.

First things first: know the difference between a winter storm outlook, advisory, watch and warning.

Outlook: There is a possibility of winter storm conditions within the next two to five days.

Advisory: Winter weather is expected to cause inconveniences when traveling and maybe become hazardous. Use caution and these situations should not be life-threatening.

Watch: Winter storm conditions might occur within the next 36 to 48 hours. People are warned to stay updated on weather conditions and to get ready for the possibility of a storm.

Warning: Severe and life-threatening weather condition have either already started or will start within the next 24 hours. Those who live in an area with one of these warnings should immediately start getting ready for the upcoming storm.

Before the winter weather starts to hit your area, make sure you have a fully stocked emergency kit in your home. It should include items like bottled water, batteries, a battery-powered radio, a flashlight or two, candles and matches, nonperishable food, sand or kitty litter, extra blankets and jackets and extra bottles of necessary medication. You should also have a first aid kit handy in case someone gets injured.

Make sure every member of your family knows what to do if there is a bad winter storm, especially if everyone is not together in the same house. Be sure everyone knows how to get in touch with one another and how to get back together after the emergency is over.

Finally, keep an eye on the weather. Avoid travelling, unless it is an emergency, if the weather is forecasted to get bad.

After the storm, take a close look at your home and property and take pictures of any damage. Then contact us to learn about our insurance claims management service and how we can help you.

If you would like more information on insurance claims management in the Twin Cities and how we can help you, call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.

Beware of Fake Insurance Adjusters

When tragedy strikes, there will unfortunately be someone nearby who wants to take advantage of the situation for unscrupulous purposes. It’s no different with insurance adjusters; while legit, ethical insurance adjusters want to help their clients, there are some out there who will pretend to be an adjuster just to line their own pockets without providing any help. That’s been the case as of late in Florida, Property Casualty 360° reported recently. The publication noted:

Post-catastrophe fraud has been commonplace for quite some time and is not specific to Florida. National events such as the Sept. 11 terrorist attacks, Hurricane Katrina, the Deepwater Horizon oil spill, and the series of tornadoes that ripped through the Midwest last year have offered fertile grounds for opportunistic con artists. Although some of these gross actors have been brought to justice, ongoing efforts between regulatory entities, law officials, industry organizations, and P&C insurers will be necessary to quell similar crimes.

While the bulk of the story takes place in Florida and outside the Norcia Insurance Consultants service area, it does serve as a good reminder of to be cautious about with whom you do business. In times of catastrophe, you want to make sure that parties coming forward to help you are actually going to do just that. However, you need to know how to weed out the fakes from the real insurance adjusters. How do you do that? Here are a few tips of what to look for in an insurance adjuster.

  • Check to see if they’re licensed. This can be done with a simple Internet search or with a phone call to your state’s Department of Insurance. If there’s no record of them, you can probably be sure that they’re not legit.
  • Do an online search of them. If they’re a fake, you’re probably not the first person that they’ve bilked money from. And if they’ve done it before, someone has probably filed a complaint that can be located somewhere online.
  • If it seems too good to be true, it probably is. Don’t believe exaggerated claims or go along with anything illegal or unethical. If this starts to happen, cut all ties with the adjuster and get in touch with someone else.

Insurance Adjusters: What Do We Do, Exactly?

Norcia Insurance Consultants has for over 20 years been in the insurance claims industry. But, what exactly does this mean? If you’re not familiar with insurance adjusters, you might not be sure what are our duties as Minnesota insurance adjusters consist of.

What an insurance adjuster does
The primary role of an insurance adjuster is to help his or her clients after they’ve experienced damage or loss of property, or were somehow injured. The adjuster investigates the claims to ensure the entitled settlement is disbursed to the proper party.

Skills needed to be an insurance adjuster
The most successful insurance adjusters are capable of working with a wide range of people, and need to compile a variety of information, including photographs and statements, and must be able to prepare reports about claims received. Putting together these reports requires talking with experts like accountants, lawyers, physicians and more, who can provide you with the necessary assistance.

Official requirements needed by insurance adjusters
No educational requirements are necessary to become an insurance adjuster, as most companies provide novices with on-the-job training. If you pay close attention to details and quickly pick up on things, you’ll be able to rise more quickly in the ranks. Having experience will help you in moving up to higher positions more quickly.

There will always be a need for insurance adjusters
Insurance claims adjusters like Norcia Insurance Consultants will always be needed, as people will require assistance and support when filing an insurance claim, and the industry is expected to grow dramatically over the next 10 years.