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Common Winter Home Damage & What to Do

There are many damages that can occur to a home in the fall and winter months. In the event of a storm or other damage, first make sure everyone is safe. Once you’ve ensured everyone’s safety, contact your insurance agent or your insurance claims adjuster for instructions on what to do until they arrive. You can begin preparing an inventory of personal property damaged and take pictures of any damage to the property. Our insurance claims professionals from Norcia can do all of this for you as well. We are the trusted insurance consultants for Minnesota and we are here to provide you with a list of possible home damages to be aware of this winter.

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Ice Dams

While once thought of as a problem with the roofing or ventilation, ice dams are actually caused by the presence of warm, moist air in the attic, combined with snow on the roof and the right weather conditions. Ice dams occur when heat gets into the attic and then melts the underside of the snow on the roof. This melted snow then flows down the roof until it reaches a cold spot like the eaves or soffit and forms a frozen dam where additional snowmelt and ice build up. Then, the ice buildup can back up under the shingles, damaging them and allowing water to leak into the ceilings and walls beneath.

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. To get professional repairs you can depend on, JTR Roofing offers top notch roofing and siding repair for area residents.

Tree Limbs

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. 

Damage to your home from fallen trees is usually covered under most homeowners’ policies. Most companies will pay to have trees removed from the damaged structure however not all companies will do so.

When it comes to your parked vehicle, your comprehensive automobile insurance will cover damage that occurs there. 

To learn more about our insurance consultants serving Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Important Summer Safety Tips from an Insurance Adjuster

All over the country, temperatures are rising. With summer just setting in, there are many hot weather hazards ahead of us. So as the trusted insurance adjuster for WI, we thought we would put together a list of some summer safety tips to help local residents stay safe all season long.

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During the hot summer months, multiple appliances can be plugged in at a time. 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. Limit appliance use and make sure your circuit breaker is able to handle the extra strain. 

Speaking of appliances, is your air conditioner 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 not only causes poor air quality but high energy costs and fire hazards as well. While your air conditioning many have already been running for a few weeks now, it’s still important to make sure your AC is cleaned or serviced to ensure safety. With an inspection you can ensure the electrical elements are safe to use and that your filters are replaced often.

This time of year, summer rains can also pose a big problem, causing flooded basements and damaged 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.

Careless grilling or fire burning is something else to be avoided. Before you start cooking or burning wood outside, remember never step away from the fire, to check your gas tank for hose leaks, blockages and holes and if using a charcoal grill, wait for the coals to cool completely before disposing of it.

These are just a few of the important summer safety tips to keep in mind. 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 occur and you need to make a claim with your insurance company, we can help you deal with the legwork associated with filing a claim.

Ready to learn more about how our insurance adjuster in WI can help you in the event of damages this summer? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Home Safety Tips for a Cold Minnesota Winter

It is officially winter, bringing cold weather to Minnesota. And it isn’t just any winter. This winter, cooking at home and indoor activities are at an all-time high. With more time spent at home, there are a few safety tips you should keep in mind to help you, your family and your home stay safe this winter. The expert insurance adjusters for MN, Norcia Insurance Consultants, know just about every possible risk out there and here to discuss some of the most important safety tips for this year’s Minnesota winter.

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Inspection of your heating system. Before your furnace begins working its hardest, it’s important to ensure it doesn’t have any major issues that could create a dangerous situation. Have your heating system professionally inspected in order to check the safety limits and burners for proper operation. An improperly working heating system can create carbon monoxide hazards as well as other dangers.

Chimney inspection. Another area of the home that has to do with heat and also requires inspection are your wood-burning fireplace chimneys. They should be checked and cleaned of soot buildup to ensure proper air flow and safe operation.

Roof inspection. Winter can be hard on roofing, your home’s #1 defense against the elements. So, now is the time to contact your roofing contractor to come out and inspect your roofing and gutters. Overlooked simple repairs, such a missing or displaced shingles, lose or leaky gutters, damaged flashing or caulking, cracked flanges can lead to more costly damage.

Smoke and carbon monoxide detector inspection. With a winter spent mostly indoors and the constant running of your heating system, it is important to check your smoke and carbon monoxide detectors. Also make a habit of changing 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.

Professional dryer vent cleaning. An often neglected task that is very important this time of year. Bulky clothing and blankets can put extra strain on your dryer so clothes dryer vents should be checked for a buildup of lint or blockage. If drying times are getting longer, it means the vent may be getting restricted and not allowing the proper airflow through the appliance. 

Did you know that dryer fires occur in the thousands every year? That is why it is so important to do what you can to keep your home’s dryers running safely. And, it helps to hire a professional dryer vent cleaning company to ensure a thorough job. But, 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.

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 MN can help you in the event of a fire or other damages this winter? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Homeowners Insurance and Coronavirus: What You Should Know

While the COVID-19 pandemic likely hasn’t changed your coverage much, there are certain things you should be aware of when it comes to your policy. As you do your best to stave off the coronavirus, heeding stay-at-home orders etc., we have come up with some tips on how you can better protect your family with your homeowners insurance. As the expert insurance adjusters for WI and the surrounding area, we are here to help you better understand your policy and get you what you’re entitled to if something were to happen to your home or business. Here are some key items to take into consideration:

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  • Homeowners policies do not cover pandemic exposure, but it is important to take a look at your coverage and be aware of what it does cover in the event of an emergency. Now is also a good time to reassess both your personal property and liability coverage, especially if you’re working from home. If your home office requires specialized equipment or set up, you should find out from your insurance company about coverage for these types of situations.
  • It is also recommended to take a moment to check whether or not you have enough coverage for your personal belongings; especially for high-value items like electronics or jewelry, that could require separate add-on coverage. Not sure what your policy covers? The insurance adjusters at Norcia can review your policy and help you better understand it.
  • Make a home inventory. This can help you provide proof to your insurer of what you lost if you ever need to file a claim. Start by taking photographs of your belongings, log the make and model/serial number if applicable. You can also record a video to capture a number of items at once. Then, be sure to keep this records safe yet accessible in the event you need to file a claim.
  • Social distancing measures are driving insurers to keep any in-person interaction to a minimum. So, depending on the company you work with, the claims process may be very different from what you’re used to. If you’ve got insurance adjusters from Norcia working on your behalf, we can speak directly with your insurance company to ensure a claim is moving along as it should.

Need helping making sense of your insurance plan during these uncertain times? When you educate yourself and have expert insurance adjusters by your side, your chances of receiving what you are entitled to are raised.

Give us a call today and we can get to work for you! Do you need help from trusted insurance adjusters in WI? Call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to Schedule a Free Consultation.