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Outdated Air Conditioners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.

Public Adjusters Will Negotiate the Best Settlement Possible for You

A public adjuster can help you get a fair settlement from an insurance company.  The public adjuster represents you, and his or her job is to help you settle your claim for the maximum amount that your insurance policy entitles you to receive.

The insurance adjuster from the insurance company is representing the insurance carrier, and his or her job is to settle your claim for as little as he or she can get away with.

When you meet with a public adjuster, he or she will first want to review your insurance policy and the circumstances surrounding your claim. By evaluating this information, he or she will know what you are entitled to claim and what kind of value to assign to your loss.

Insurance policies are written in specific legalese, and unless you know what a particular term means from a legal standpoint, you won’t know what your rights and obligations may be. A public adjuster has had training in insurance law and will be able to analyze your policy to determine the extent of your coverage and the maximum amount you would be entitled to claim.

Next he would visit your damaged property site to check the details of your loss. An experienced public adjuster will not only see the obvious, but he or she will have a good idea of what hidden damage may have occurred, and the consequential expenses that are likely to be encountered in the process of repair.

He or she will be able to estimate the total cost of restoring your loss to the pre-event condition, and how much of that cost is actually covered by your policy. If your loss is for your business, your public adjuster will be able to estimate the cost of replacing any business assets, loss of income and other business opportunities that you may be entitled to claim.

He or she will then put all of this information into a format that can be used to properly support your claim. And finally, your public adjuster will negotiate with the insurance carrier on your behalf to achieve the best settlement possible.

Eight Key Things A Public Insurance Adjuster Can Do For You

A Public Adjuster has extensive knowledge of, and expertise, in the handling of claims in the insurance industry. They represent only you and your interests when you have a claim with your insurance company; not those of the insurance company. Here is a list of some of the key things they will do on your behalf:

  • Conduct an initial inspection of your site and make an evaluation of your situation to determine the best course of action.
  • Review your policy and identify exactly what coverage and rights you have.
  • Analyze the damage and loss you have experienced and determine its true value.
  • Determine how much it will really cost to restore you to a pre-loss condition, and how much of that is covered by your policy.
  • Assess the loss of business assets and the loss of business opportunity.
  • Collect and assemble all of the information needed to support your claim.
  • Fill out all of the required forms to properly file your claim and handle all of the details of the claim.
  • Work closely with the insurance company’s adjuster and negotiate as necessary to achieve the best possible settlement for you.

Public Adjusters can represent your best interests during difficult times. Handling an insurance claim can be complex, and small errors in the processing of a claim can have detrimental effects of the ultimate outcome of your settlement. An experienced Public Adjuster can provide the guidance and assistance required to achieve an equitable and timely solution for you.