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Holiday Home Safety Tips

The holidays are just around the corner! With all that the next few weeks will bring, the experts here at Norcia would like to discuss some of the most important safety tips to keep in mind this season. With cooking at home, indoor activities, vacations and decorations there are a few safety tips you should keep in mind to help you, your family and your home stay safe. And, in the event something does happen at your home, be sure to enlist the help of a trusted Wisconsin public adjuster to help with all of your insurance needs. But first, be sure to take these essential holiday precautions:

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Tree Safety

For one, it is important to place your Christmas tree away from fireplaces and heaters, and keep a fire extinguisher nearby. Live trees are highly flammable, especially a dried-out tree. Check the water level every other day to ensure proper hydration. Starting with a green tree is one way to keep it from drying out so quickly.

Lights

  • When stringing lights and decorations above your normal reach, make sure you use a proper ladder with someone supporting the base. 
  • Replace any lights with frayed wires, broken sockets and loose connections.
  • Don’t mount lights in a way that might damage the cords, and avoid using nails or tacks. Use hooks or insulated staples instead. And, don’t plug in too many lights to the same electrical outlet.
  • Turn off all lights before you go to bed and before leaving the house to avoid a short that could start an electrical fire.

Heating

A major aspect of the annual maintenance of your home heating system is to check the safety limits and burners for proper operation.

Chimney Inspection

Another area of the home that requires inspection are your wood-burning fireplace chimneys. They should be checked and cleaned of soot buildup to ensure proper air flow.

Home Security

Unfortunately, this is a common time of year for break-ins. Take the time to prepare for winter security and avoid the mess of a break-in, especially if you plan to go on vacation. If you do have a break-in, it is important to contact the authorities right away. Our public adjusters can help with the next steps.

Are you interested in learning more about how our public adjuster serving Wisconsin can help you in the event of a fire or other damages? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

How Having Professionals by Your Side Can Help Solve Insurance Claims Disputes

When it comes to insurance claims disputes, one of the most common questions we get is about how to know what is covered and what is not. With winter storms approaching and months spent indoors on the horizon, there can be a variety of issues that arise in the coming months. If you find yourself filing an insurance claim this fall or winter, be sure to have the professionals working by your side and on your behalf. Here at Norcia Insurance Consultants, we are the experts in insurance claims disputes for Green Bay and can help with any problems that come from filing an insurance claim. We can file a dispute or claim for you and even handle the paperwork and speak directly with your insurance company. 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. Want to learn more about how we can help with all of your insurance claims disputes? Read on!

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So, what should you do in the case of insurance claims 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 mandate that 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 and a company must acknowledge and process a claim promptly. Insurance companies cannot ask you for unnecessary forms in order to delay the process and a company must have a good reason to deny a claim and many more. Not sure if your insurance company is violating any of these? The experts at Norcia can help solve insurance claims disputes like these and 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 have the professionals 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 receive.

Need help with any insurance claims disputes involving your Green Bay home or business? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.

Getting Answers to Your Insurance Claims Questions

Most homeowners aren’t experts at dealing with insurance companies, initiating a claim or negotiating insurance claims. Typical homeowners only ever have to make one or two major insurance claims if any. As the trusted insurance adjusters for Wisconsin, we are here to answer all of your insurance claims questions. WI residents have entrusted their insurance claims disputes and details with us for years and we are here to help you with this complicated process. Here are a few issues that often require an insurance claim as well as a few tips to help answer common insurance claims questions:

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Burst Pipes

Discovering a burst pipe in your home can be a scary experience. Your insurance company should understand that you need to move fast when handling a burst pipe insurance claim. After you’ve spoken with your insurance company, a water damage remediation company should arrive on-site quickly to tackle the problem.

A burst pipe can quickly cause thousands of dollars in water damage. Making matters worse, some insurance companies will refuse to cover certain burst pipe damages. If you need help figuring out coverage for your exact situation with water damage from a leak, broken pipe, or a pipe that burst, a licensed public insurance adjusters like those at Norcia Insurance Consultants can evaluate your policy and claim to provide industry expertise for your unique insurance claim.

Roof Damage

Roof damage insurance claims can be tricky. Some roof damage is always covered by a home insurance policy, while other roof damage is not. Most home insurance policies cover unexpected roof damage like hail damage, fallen debris and the like. If your roof was damaged in a storm, then your home insurance should cover the cost of repairing your roof to its pre-loss condition.

In many cases, the insurance company will dispute certain aspects of your insurance claim. In this case, should hire a public adjuster to answer any of your insurance claims questions and handle your insurance claim to ensure you receive the maximum amount you are entitled to in order to fix your roof.

Fire

After a damaging fire, you’ll want to make a list of everything you lost in the fire. Insurance policies require policyholders to file their insurance claims and ‘proof of loss’ reports as soon as possible, so call your insurance agent immediately to get the process started. Dealing with the insurance company is a very convoluted process, especially when it comes to fire damage so it is important you have someone fighting on your behalf and answering any and all of your insurance claims questions. An insurance claims adjuster here at Norcia can help you every step of the way.

Whatever damage occurs to your home, it is important to remember that only a licensed public adjuster can negotiate with the insurance company on your behalf, fighting for every penny owed to you under the terms of your contract. For more answers to your insurance claims questions in WI, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Summer Safety Tips from Your Trusted Insurance Adjuster

Last week’s massive heat wave that baked the Midwest reminded many of us of the dangers high temperatures can bring. While the weather has cooled down here at bit, the summer heat is most definitely not over. So, as the trusted public adjusters for Minnesota, we’ve put together some important summer safety tips to keep in mind for the remainder of the season. 

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First of all, is your air conditioning safe to use? We all use air conditioners to help keep temperatures tolerable indoors. 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, the electrical elements are safe to use and that your filters are replaced often.

And remember, a lot more appliances are plugged in at a time during a heat wave. 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.

Careless grilling can cause burns or fires. Before you start cooking outside, remember never step away from the grill while it’s on, to check your gas grill for hose leaks, blockages and holes and if using a charcoal grill, wait for the coals to cool completely before disposing it.

If a fire does occur and cause damage to your home or property, be sure to contact the fire department right away. And, when you need help filing your insurance claim, seek assistance from our experienced public adjusters.

This time of year, summer rains can also be a problem; causing flooded 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 and that you have proper flood insurance.

And, in the unfortunate event that something does occur, call a public adjuster for assistance. Our public adjusters 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.

These are just some of the things to keep in mind to keep your home safe this summer. Ready to learn more about how our public adjusters in Minnesota can help you in the event of damages this summer? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Do You Know What Your Homeowner’s Insurance Does & Does Not Cover? Ask the Experts

In the event of a fire or natural disaster this summer, do you know what your insurance will cover? As professional insurance consultants for Green Bay, we are here to help you answer that very question! We get a lot of questions about insurance claims but one of the most common call we get is people calling in asking for help making sense of their insurance coverage. It can be confusing trying to determine what is and is not included in an insurance plan. That’s what we are here for! We would like to clear up a few things for you know and help you in any way we can. So, when you need help from professional, experienced insurance consultants, do not hesitate to give us a call.

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First of all, it is important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. You may need to purchase separate insurance policies to help protect your home and belongings against those types of natural disasters. You may also need to purchase additional coverages for greater protection. While a typical policy comes with certain coverages, it is usually customized to meet each individual homeowner’s unique needs. There are a few basics covered by most insurance plans including windstorms, hail, fires, lightning strikes and more. Insurance plans are not one size fits all so your plan may only include some of these or even additional events. Our insurance consultants can help you determine what is covered and what is not. A public insurance adjuster like us can come to your home, talk to your insurance company for you, explain to you what is unfolding, clarify all aspects of the paperwork and go over contracts that you might otherwise have a hard time understanding.

And, some homeowners insurance policies also include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence.

Need helping making sense of your insurance plan? When you educate yourself and have the experts by your side, your chances of receiving what you are entitled to 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.