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.

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.

Insurance Disputes and How to Get the Help You Need

Having homeowners insurance is meant to relieve financial stress after damage to your home, right? But often, a claim settlement is denied or falls short of your expectations. And, either of these events can leave you very frustrated. Not only are you worried about the health and well-being of your loved ones and emergency repairs, but dealing with your insurance company can add to the stress leading to feelings of being overwhelmed. Dealing with your insurance company is no easy task. When you need help with insurance disputes in the Twin Cities, it is essential you enlist the experts for assistance. Insurance disputes about the nature of your claim can arise for many reasons; whether they be the fine print buried in your policy or debates over the actual cost of fixing your home.

insurance disputesSo, when you believe you may be getting a poor deal, the experts at Norcia Insurance Consultants can help you understand your policy, speak directly with your insurance company and help settle any insurance disputes.

What are insurance disputes? An insurance dispute is a disagreement that arises about the amount due, the amount a company is willing to pay on a claim, or the nonpayment of a claim.

What to do in the case of insurance disputes. First, know your rights. The professionals at Norcia know all of the laws that dictate what insurance companies can and cannot do when it comes to bill collecting, settling claims and similar matters. Each state is a little different, but most states include the following regulations:

  • An insurance company cannot misrepresent your policy
  • They cannot use the appeal process to force their policyholders to settle for less than they are due
  • A company must acknowledge and process a claim promptly
  • Insurance companies cannot ask you for unnecessary forms in order to delay the process
  • A company must have a good reason to deny a claim
  • And many more

When you call Norcia Insurance Consultants, we can be your valuable resource in resolving any insurance disputes amicably. We work for you, not the insurance companies, and always have your best interest at heart.

When you educate yourself and have the experts by your side, your chances of resolving your insurance disputes 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.

FAQs: Frequently Asked Questions about Insurance Claims

When faced with a crisis, many have questions about the next steps to take. Your first impulse may be to talk to family and friends, make a variety of phone calls, and seek out the answers. At Norcia Insurance Consultants we are here to help give you peace of mind as well as the answers you need, so you can return to your regular routine as soon as possible. To do that, we have prepared a list of insurance claims questions. Green Bay residents can use these answers to help prepare as much as possible for when the worst happens. And, if you are still unsure of what to do, call the insurance claims experts at Norcia.

insurance claims questions

Q: How do I file my claim?
A: When you incur damage to your property, you’ll want someone on your side that can help you file and manage your claim, as well as communicate with the insurance company on your behalf. That’s where a public adjuster comes in. Though, most insurance claims can be filed by visiting your insurance company’s office, over the phone or online, it can be helpful to receive expert advice before even filing the claim. Call Norcia first and we can answer all of your insurance claims questions and even file your claim for you.

Q: What should I do before anything else?
A: The first thing to do is make sure everyone is safe. After a natural disaster or other similar event, it is important to take care of yourself and your loved ones. If anyone requires medical attention, that is definitely a priority. And, once basic needs are met, you can begin to assess the damage and take detailed photos and notes. This is also a great time to give the experts at Norcia a call.

Q: Will my insurance premium increase if I file a claim?
A: This will depend on the circumstances and your insurance company.

Q: How long will my insurance claim take?
A: This also varies claim-by-claim but an a professional insurance claim expert can help streamline the process. Each claim is different, and the amount of resolution time varies based on the assorted factors of the claim. To help the process go as quickly as possible, be sure to provide your insurance company with all the necessary details and documentation in a timely manner.

The most important thing to remember is that filing an insurance claim doesn’t have to be a scary, long and drawn-out process. We are here to help you through each and every step and to answer any insurance claims questions you might have. Talk to the adjusters at Norcia today and learn how we can help.

Have additional insurance claims questions for your Green Bay household? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.