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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:

insurance claims questions wi

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.

Summer Storm Damage & Filing an Insurance Claim

Here in Wisconsin, we are no stranger to storms; especially as of late. Some of our most devastating weather often comes in the spring and summer, when thunderstorms and high winds roll in. High winds, down-pouring rains, and tornado watches aren’t totally uncommon in our parts and they can leave some devastating storm damage in their wake. Luckily, many homeowners insurance policies cover damages from weather like this, so that you can get the repairs you need. But how do you go about filing an insurance claim after a storm and what do you do if caught in insurance disputes? As the trusted professionals here to help with insurance disputes in Wisconsin, we are here to give you a quick rundown of what you should do after a damaging storm.

insurance disputes

When heavy rains, wind or a falling tree limbs wreak havoc, your first step is to make sure everyone is safe and your home is safe to be in. Do not go outside if it is still storming out or if it’s possible tree limbs could still break and fall, even if you suspect your home or property has been damaged. Wait until the weather clears up and it is safe to venture outdoors. As soon as it’s safe to do so, go outside and slowly walk around the perimeter of your home. Take note of any damage you see, even if it’s only a small amount. Then, you should pick up the phone and call the experts at Norcia Insurance Consultants. We will be able to walk you through every step in the process. Even if you are unsure whether the damage warrants an insurance claim, experts like those at Norcia can get you the help you need to get you started. Even if a claim is fairly minor, like a cracked or broken window that won’t exceed your annual deductible, you should still report that damage.

You don’t even need to contact your insurance company to file insurance claims directly. With assistance from the experts at Norcia, we can take care of this for you. We 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 to help you understand them.

Already file an insurance claim and don’t feel you are getting the help or payout you deserve? Norcia Insurance Consultants are also experts in solving insurance disputes to help you get what you’re entitled to.

For more information about filing insurance claims or for help with insurance disputes in Wisconsin, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Common Insurance Claims Terms Defined

When you are faced with the reality that you must file an insurance claim, you may have a lot of questions and concerns. That’s where our insurance adjusters come in. We work on your behalf, every step of the way, to help you not only file an insurance claim but understand the process as well. We will even speak directly with your insurance company on your behalf.

insurance adjusters

As public insurance adjusters for Wisconsin, we may take care of the hard work for you; however, we also understand you like to stay in the loop as well. There can be a lot of jargon being thrown around and we are here to help you understand the sometimes confusing lingo of the insurance world. So we thought we would take the time to define some of the most commonly used terms you may encounter when navigating the insurance claims process. And, when you need help from a trusted, professional insurance claims consultant, don’t hesitate to contact the experts at Norcia Insurance Consultants!

Actual cash value – The value of your property, based on the current cost to replace it minus depreciation. Also see “replacement cost.

Adjuster – There are two different types of insurance adjusters. First, there is an insurance company adjuster, who works for the insurance company. Then there is a public insurance adjuster, who works independently of an insurance company and is usually hired by the claimant.

Claimant – The person making the insurance claim.

Complaint – A written communication primarily expressing a grievance against an insurance company or agent.

Deductible – This is the amount of money the policyholder must pay before the insurance company will pay out.

Loss – The amount an insurance company pays on a claim.

Policy – The contract issued by the insurance company to the insured.

Policy owner – This is the person who owns the policy. Usually it is the person who is paying the premiums and is the only person who is allowed to make changes to the policy.

Property damage (PD) – Physical damage to property.

Replacement cost – Insurance coverage that pays the dollar amount needed to replace the structure or damaged personal property without deducting for depreciation but limited by the policy’s maximum amount.

And, these are just some of the common insurance claims terms that you may come across during the insurance claims process. Luckily, Norcia is here to help! For more information on insurance adjusters in Wisconsin, call Norcia Insurance Consultants at 1-866-512-LOSS (5677) or contact us for a Free Consultation.