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Winter Hazards: Home Insurance Claims Help for Seasonal Damage

Winter is a season of beauty, with its pristine snowscapes and cozy indoor gatherings. However, it can also bring a host of challenges and hazards for homeowners. From frozen pipes and ice dams to snowstorms and more, the winter season can wreak havoc on your home. At Norcia Insurance Consultants, we are proud to offer home insurance claims help to Minneapolis residents.

We have compiled information about various winter-related hazards to provide guidance on how to navigate home insurance claims for seasonal damage. By understanding these risks and your insurance coverage, you can ensure a smoother winter season for your home.

snowy road with cars parked alongside, all covered in snow

1. Frozen Pipes: A Common Winter Nightmare

One of the most common issues homeowners face during winter is frozen pipes. When temperatures drop, water in pipes can freeze, causing them to burst and potentially flood your home. To prevent this, consider insulating your pipes and allowing a slow drip of water in extremely cold weather. If you still encounter frozen pipes, promptly shut off the water supply and contact a plumber. When filing a home insurance claim, document the damage thoroughly and provide evidence of your preventative measures.

2. Ice Dams: Roof Damage from Winter’s Wrath

Ice dams are another winter hazard that can cause significant damage to your roof. These occur when snow and ice build up on your roof and prevent melting snow from draining properly. This can lead to leaks and structural damage. To mitigate ice dams, make sure your attic is well-insulated and ventilated. If you notice signs of ice damming, such as icicles, address the issue promptly to prevent further damage. When filing a home insurance claim, provide before-and-after photos of the damage and any repair receipts.

3. Snowstorms and Falling Trees

Winter snowstorms can bring the added risk of falling trees or branches. Heavy snow and ice can cause weakened trees to break, damaging your home or property. Pruning trees and removing dead branches before winter can reduce the risk. In the event of damage, take photos of the fallen tree or branches, assess the structural damage, and contact your insurance company to initiate a claim.

Stay Prepared and Informed

As the winter season approaches, staying prepared and informed about potential hazards is crucial for every homeowner. By taking preventative measures, understanding your insurance policy and documenting damage meticulously, you can navigate home insurance claims successfully during the winter months. Remember, if you need help with the home insurance claims process, our public adjusters are here to help.

If you need home insurance claims help in Minneapolis or the surrounding Twin Cities area this winter, we are here to help. Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

What Does a Public Adjuster Do?

Are you facing the process of filing an insurance claim? Many homeowners feel unprepared for the process of filling out an insurance claim and working with their insurance company to get the settlement they deserve. However, a public adjuster in the Twin Cities area is available to help you through the process! At Norcia Insurance Consultants, we have decades of experience helping homeowners like you through their insurance claims.

Still not sure if you want a public adjuster to help with your claim? Learn more about what we actually do – each step of the way.

public adjuster in Twin Cities helping couple with claims process

Claims Process

When you find damage to your home due to an unexpected disaster, the first step is starting the claim process. Your insurance company will send an adjuster out to take inventory of the damage and estimate the cost of repairs. However, if you choose to hire a public adjuster, your public adjuster will also evaluate the damage and determine their own estimate.

The advantage of a public adjuster is that they work for you, not the insurance company. The adjuster provided by your insurance works for them and will do what is in your insurance company’s best interest.

A public adjuster will then take their estimates and evidence to your insurance company to handle negotiations for you. Their goal is to get you the maximum payout allowed by your policy.


Once the damage has been assessed and the estimates have been calculated, public adjusters will go to your insurance company to negotiate your settlement. They have experience working with insurance companies and are trained in how to present their evidence most effectively. Their experience allows them to communicate more effectively with your insurance company, helping to ensure a better settlement for you.

Handling Disputes

In the event that your insurance company disputes your claim or offers an unfair settlement, your public adjuster is there to help. They can handle the dispute and re-negotiate with your insurance company to get a settlement that everyone can agree on.

Ready to Hire a Public Adjuster?

Public adjusters do all of that and more. They can also answer your questions and help you fill out any paperwork to ensure there are no mistakes. Your public adjuster is there for you to make the process as smooth as possible.

Have you decided to hire a public adjuster in the Twin Cities area to help with your insurance claim? Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

Pros and Cons of Hiring a Public Insurance Adjuster

If you are facing the hurdles created by the average insurance claim, you may be looking for help. A public insurance adjuster in St. Paul can help you through the process of filing your insurance claim and negotiating with your insurance company. However, like everything, hiring a public insurance adjuster also comes with its own pros and cons. If you are considering hiring a public insurance adjuster, consider the list below provided by the professionals at Norcia Insurance Consultants to help you weigh your options! For complex insurance claims, hiring a public adjuster may be your best option to ensure that you are receiving the insurance payout you deserve.


1. Help with aggressive negotiation

public insurance adjuster St Paul

Public insurance adjusters provide you with assistance in communicating and negotiating with your insurance company. Adjusters provided by your insurance company work for your insurance company, not you – meaning they will try to give you the smallest payout allowed by your policy. However, hiring a public insurance adjuster means that you have someone in your corner who understands the fine print of your policy and wants to help you get the payout you deserve.

2. Their portion is small

While public insurance adjusters do take a percent, their portion of the payout is slim compared to the difference between the smallest payout and the one that they can help you receive.

3. Cooperation between all parties

As public insurance adjusters are trained and specialized in insurance disputes, all parties often agree to share information with them without issue. Insurance companies may have disputes with sharing case-specific information with external parties not trained in insurance disputes, but tend to cooperate with insurance adjusters.


1. No guarantee they will succeed

More often than not, a public insurance adjuster will be able to positively impact the outcome of your insurance claim. However, every claim is different, meaning that the approach that works with one may not work the same for another. There is always a small risk that hiring a public adjuster will not have any impact on your claim.

2. You often have to pay them regardless of outcome

Unlike lawyers who may agree to only take a cut if they win, public insurance adjusters typically require payment whether they were successful in getting you a better payout or not. However, their job goes beyond just getting you a better payout and includes consultations and assistance with paperwork and each step of the process.

3. Getting everything in writing takes time

As hiring a public insurance adjuster isn’t regulated by state governments or laws, each professional relationship is dictated by the applicable individual contract. Due to that, it is important to have your whole agreement, all terms and conditions discussed, in writing. However, getting any agreement written and signed by both parties can take some time as terms are decided and settled on.

Have you decided to hire a public insurance adjuster in St. Paul to help with your insurance claim? Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

Fire Prevention Week 2022

Each year since 1922 during the week of October 9, the NFPA sponsors Fire Prevention Week. Fire Prevention Week is held annually commemorating the Great Chicago Fire and is the longest running public health observance. This week is marked every year by a theme to keep people safe in case of fires. This year’s theme is “Fire won’t wait. Plan your escape.”

For the 100th anniversary of NFPA sponsoring Fire Prevention Week, they wanted to focus on how to keep yourself and others nearby safe in case of a fire. Today’s homes burn faster than ever, so time is of the essence if a fire occurs. In some situations, you may only have two minutes or less to escape safely after the smoke alarm first sounds.

As timing is so important, there is truly no time to waste trying to figure out the best escape route. This Fire Prevention Week, sit down with your family and discuss a fire escape route and plan. Decide which exits make most sense based on where you are in the house and where you will meet up outside to avoid confusion about who escaped.

This is also a good time to discuss responsibilities. Who is in charge of calling emergency personnel? Do you have pets that you need to include in your plan – and can you do so without risking your own safety? Is there someone living in your house that won’t be able to escape without assistance? Who is expected to help them out?

The best escape plans include two possible exits from each room and are easy for everyone to remember. If it helps, draw a map to indicate exits and a permanent landmark for a meeting place close by (but far enough away to be safe).

Once plans are in place – practice, practice, practice. The more you practice, the more comfortable each member of your household will be in case of a true emergency.

Additionally, take the time each month to test your smoke alarms. With how little time there is to escape safely in case of fire, it is imperative that you have as much heads up as possible and your smoke alarms work effectively.

This week, take the time to make sure that you are prepared. The more prepared you are, the better the outcomes will be if an emergency occurs.

If you have recently experienced a fire and need a public adjuster to help you get the best-case scenario from your insurance company, trust Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

Public Insurance Adjuster FAQs

public insurance adjuster WI

If you’ve found your way here, then chances are you are looking for a public insurance adjuster to help you with an insurance claim. However, we want to make sure that you know everything you need to know before you make the decision to give us a call. While we are more than happy to discuss any questions you may have, we wanted to provide answers to some of the most commonly asked questions we hear.

Are you looking for a public insurance adjuster in WI? Give Norcia Insurance Consultants a call today to learn more! In the meantime, here are answers to our most common questions!

What is a Public Insurance Adjuster?

A public insurance adjuster is a person who is licensed by the state to represent you and advocate on your behalf, without being considered a conflict of interest or breaking the law. As they are agents employed by you, public insurance adjusters are allowed to support you throughout the insurance claim process. Insurance companies employ their own adjusters, but they are trained to work for the insurance company, not you.

What can a Public Insurance Adjuster do for me?

Public insurance adjusters work on your behalf to help you receive every cent you deserve from your claim. They can help evaluate damage and rebuilding costs, track insurance payments and amounts due, communicate with insurance companies on your behalf, and assist with filing paperwork so you can rest easy knowing you did everything correctly.

Will I get the same result with my insurance company’s adjuster?

More often than not, no. Your insurance company’s adjuster works for them and not you. They want to make sure that your insurance company receives the best outcome for them, which frequently means giving you a payment lower than what a public insurance adjuster can help you receive. Additionally, your insurance company’s adjuster is not responsible for creating a detailed estimate of your loss, meaning what is included in your claim may actually have errors that lead to a lower payout for you.

Why do I need help with my claim?

A public insurance adjuster can help you understand your insurance policy, so that you know exactly what to include on your itemized statement of loss. Without a full understanding of your coverage, this can be a difficult tax. They can also help ease the burden of time required in the process of filing an insurance claim, both by assisting with some communications and paperwork and by speeding the process along. Public insurance adjusters are also there to answer any questions you have along the way, making the whole process smoother.

You may not need a public insurance adjuster, but they can help you with peace of mind knowing that your claim was filed properly and you have an expert on your side to get you everything you deserve from your claim.

When you need to hire a public insurance adjuster in WI, contact Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!