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Home Safety Tips for Summer

With the 4th of July being next week, the experts here at Norcia would like to discuss some of the most important safety tips for the holiday and for summer as a whole. With fun summer festivities, outdoor activities and family vacations, 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, our Twin Cities public adjusters are here to help with all of of your insurance needs. But first, be sure to take these essential summer precautions:

public adjusters

Home Security

In warmer months, there tends to be a spike in property crimes. Take the time to prepare for summer security and avoid the mess of a break-in, especially if you plan to go on vacation this summer. 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.

Firework Safety

If you do decide to use fireworks this 4th of July, first make sure they are legal. And remember, even legal fireworks can cause injury if they are not used properly. Here are some important safety tips from the American Pyrotechnic Association:

  • Only use fireworks outdoors away from buildings on a flat, level, hard, fireproof surface that is free from debris.
  • Don’t aim fireworks at another person or yourself.
  • Always have a sober adult in charge and never give fireworks to young children, even sparklers.
  • Light only one firework at a time and never approach or re-ignite a firework that doesn’t light the first time.
  • Always wear safety glasses.
  • Have a working garden hose or bucket of water handy.

Grill Safety

Careless grilling can cause burns or fires. Before you start cooking outside this summer, consider these tips from the National Fire Protection Association:

  • Never step away from the grill while it’s on
  • Check your gas grill for hose leaks, blockages and holes
  • 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.

And, these are just some of the most important safety tips to follow this summer. Are you interested in learning more about how our public adjusters in the Twin Cities can help you in the event of a fire or other damages this summer? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

How to Know What Your Home Insurance Covers and Doesn’t Cover

As insurance claims consultants and experts in home insurance, we get many insurance claims questions from Wisconsin area residents. And, one of the most common ones we get is about how to know what is and is not included in an insurance plan. We would like to clear up a few things for you know to help you in the event of an insurance claim. And, if you have any additional insurance claims questions, do not hesitate to give us a call. One of our expert insurance claims consultants are ready and willing to help with all of your insurance claims needs.

insurance claims questions

First of all, it’s important to know that homeowners insurance policies are not one-size-fits-all. 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:

  • Fires
  • Lightning strikes
  • Windstorms
  • Hail

But, it’s 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.

One of the basic coverages of a homeowners insurance policy is dwelling protection which helps cover the structure of the home in which you live, as well as other structures that are attached to it, such as a garage or a deck. 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.

Not sure what is covered on your insurance plan? When a disaster occurs, contacting your insurance company is essential to starting the claims process. But, with insurance claims help from Norcia, we can take care of this for you. 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.

Do you still have some insurance claims questions? For more information on insurance claims help in Wisconsin, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

First Steps After a Damaging Storm or Natural Disaster

Spring is on its way and with warmer weather comes harsh, damaging storms. When a storm hits and causes damage to your home, it can be a stressful and upsetting time and you may not know what to do or where to begin. At Norcia, we offer insurance claims help for Minnesota and are to offer assistance whenever you need us. That’s why we’d like to go through the first steps to follow when the disaster is gone and it’s ready to pick up the pieces.

public adjuster green bay norcia insurance consultants

1. How to Know if You Should File a Claim

Not sure if you have a claim? File one anyway. Experts like those at Norcia can get you the insurance claims you need to get you started. Even if a claim is fairly minor, like a broken window, for instance and won’t exceed your annual deductible, you should still report that damage. Why? If there’s another storm this year, then together your claims from both storms might top your deductible and then you could be reimbursed.

2. Contact Your Insurance Company

Contacting your insurance company is essential to starting the claims process. But, with insurance claims help from Norcia, we can take care of this for you. 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.

3. Document Damage

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 or none at all.

4. Log Transactions

For example, if your home has taken on severe damage, it is a good idea to 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. 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.

5. Get the Insurance Claims Help You Need

For all of these steps, it helps to have insurance claims help. We will be in your corner, not the insurance company’s. Our job is to look out for you to make sure that you get fair and reasonable compensation from your insurance company when you file a claim.

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

Thank You and Happy Holidays from Norcia Insurance Consultants

With the end of 2017 almost here, we want to take a moment to thank all our wonderful clients for their support. For more than 20 years, we have been serving Minnesota and western Wisconsin as public insurance adjusters. We are thankful for another year in business, and it is because of the support and patronage from so many of you!

As this year winds down, we just want to thank each and every one of you for choosing Norcia Insurance Consultants when you needed assistance with an insurance claim. We hope you will trust us with all your future insurance claims needs!

We wish each of you a merry Christmas and a happy and prosperous new year!

Merry Christmas & Happy New Year

Avoid an Insurance Claim this Season: Holiday Home Safety Tips

For many families, the holidays mean Christmas lights, bringing a tree indoors, sitting around their wood-burning fireplace, baking homemade cookies and wrapping presents. But hopefully, your holidays don’t include insurance claims! As many of us know, many hazards can arise this time of year and the last thing you want for Christmas is the need to file an insurance claim. At Norcia Insurance Consultants, we are the experts in insurance claims for Green Bay and the surrounding areas and would like to offer some tips on how to make sure your holidays are as safe as possible.

The Lights

Before stringing up the lights, carefully inspect them each year and discard any with frayed cords, cracked lamp holders, or loose connections. When replacing bulbs, unplug the light string and be sure to match voltage and wattage to the original bulb. And, always unplug or turn off holiday lights whenever you leave the house and before going to bed. You can even use an outdoor timer to turn lights on and off but make sure it is certified by CSA International.

And, never connect more than one extension cord together; instead use a single cord that is long enough to reach the outlet without stretching, but not so long that it can easily become tangled. By avoiding electrical hazards like these you can also decrease the chance for insurance claims this year.

The Tree

Make sure your tree is fresh and not dry. Purchase a freshly cut tree, as they are more resistant to ignition. Keep tree watered and away from any open flames like candles or fireplace.

Smoke Alarm

The Alarm

Test your smoke alarms monthly to make sure they work, and be sure to install smoke and carbon monoxide (CO) alarms on every level of your home and especially near sleeping areas.

Tending the Fire

At least once a year, preferably either right before or right after winter, have your chimney professionally inspected and cleaned. In your fireplace, make sure the only thing you are burning is wood. Do not burn wrapping paper, lumber scraps, construction scraps, painted wood or other pieces of treated wood. Make sure you only burn wood that is dry and cured. This means the logs need to have been split, stacked and dried for at least 8 to 12 months.

And these are just a few of the ways you can help protect your home from then need for insurance claims this holiday season. For more information about insurance claims in Green Bay, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.