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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.

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.

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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.

Insurance Claims Tips from Seasoned Insurance Claims Adjusters

So you’ve experienced a problem that warrants an insurance claim. When should you tell your insurance company? Should you tell your insurance company? How do you know everything you’re entitled to? These are just a few of the questions many homeowners have when the worst happens and it’s time to file a claim. As seasoned, trusted insurance adjusters for Green Bay and the surrounding areas, we would like to answer these questions and more to help you know what to do in the event it’s time to file a claim. And, if you still have additional questions about your claim, please don’t hesitate to give our insurance adjusters a call for help, guidance and information about the process. We can even offer you a free consultation.

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First, when to file a claim. Typically, it’s in your best interest to make a claim as soon as possible. The sooner you make a claim, the sooner you can start the repair, remediation, and recovery process. However, if you would like guidance from the very beginning, contact our insurance adjusters and we can file a claim for you.

Also, insurance companies expect you to mitigate losses using resources available to you. If your home has recently experienced flooding, fire, or roof damage from a storm, then you have a responsibility to limit this damage wherever possible. You may not be an insurance expert or understand much of your insurance policy, but we can help you understand these conditions and what is expected.

How do you know if you should file a claim at all? First, establish an inventory of all of the items and property that have been lost, damaged, or stolen. Make detailed notes about how, where, and why the damage occurred. Then, estimate how much it will cost to repair or replace any of your damaged or stolen property. If you’re unsure how much it will cost to repair the damage, contact our insurance adjusters and we can help you to assess the damages.

How do you know what you’re entitled to? This is information that you should be able to find out from your insurance company. However, unfair claims settlement practice can keep you from this information. This is the improper avoidance or reduction of a claim by an insurance company. There are many methods or tactics that insurance companies might use to unfairly handle the settlement of claims. To avoid this and to have someone fighting by your side and not the insurance company, you should enlist the help of a third party like one of our insurance adjusters here at Norcia Insurance Consultants. We can be there every step of the way. We can fill out and file all of your paperwork, and we can even speak to your insurance company on your behalf.

To learn more about our trusted, professional insurance adjusters in Harrisburg and to set up a free consultation, call Norcia Insurance Consultants at 1-866-512-LOSS (5677).

Winter Home Safety Tips

With winter in full swing, the experts here at Norcia would like to discuss some of the most important safety tips for the season. With cooking at home, indoor 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 this winter. And, in the event something does happen at your home, our Wisconsin public adjusters are here to help with all of your insurance needs. But first, be sure to take these essential cold weather precautions:insurance adjuster minnesota norcia insurance consultants

Test Smoke and Carbon Monoxide Detectors

With cold weather also comes the constant running of your heating system and the use of other heating sources. It is so important to check your smoke and carbon monoxide detectors this time of year. Also make a habit of changing their batteries. Some people use daylight saving time as a reminder to check their smoke or carbon monoxide detectors and change their batteries. Home fire alarms should last about 10 years, but it is important to check on them consistently to ensure they’re working as they should to avoid a potentially dangerous situation.

Heating Inspection

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

Dryer Vent Cleaning

This is a big one for winter. Clothes dryer vents should be checked for a buildup of lint. If drying times are getting longer, it means the vent may be getting restricted and not allowing the proper airflow through the appliance. Dryer fires occur in the thousands every year, so it is important you do what you can to keep your home’s dryers running safely. If a fire does occur and causes 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.

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

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.

These are just some of the most important safety tips to follow this winter. Are you interested in learning more about how our public adjusters in 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.