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Help With Insurance Claims in Minnesota & Wisconsin Insurance Claims Assistance Minnesota & Wisconsin

How to Go From ‘Denied’ to ‘Paid’ on an Insurance Claim

When you’re depending on an insurance claim to pay for damages your home has tragically sustained, the last thing you want to hear from your insurance company is that your claim has been denied. While it is possible that the claim simply isn’t covered by your policy, in our experience, many denied claims should actually be paid. Here at Norcia Insurance Consultants, we are experts in insurance claims here in Minnesota and work to get homeowners what they deserve. That’s why, to help homeowners understand the process, we’ve put together some information that can help move a claim from the ‘denied’ pile to the ‘paid’ pile.

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For one, there are a few reasons a claim can be denied right off the bat. A claim may be denied if damage isn’t document well enough. This includes taking pictures and video of your property damage. You should record all evidence of the damage. It’s essential to record and keep everything. For example, if roof tiles fall off from wind damage, keep them. Just like taking pictures and video of the damage, keeping your actual damaged material provides important evidence and clues as to the cause of the damage.

And, when your insurance representative comes to the scene of the damage, be sure not to speculate or say anything that may hurt your claim. Insurance policies contain many complicated provisions that can provide or take away coverage.

And remember, once your insurance company has denied your claim they consider it a closed case. But you shouldn’t. Before you even begin the insurance claims process you should contact an insurance claim consultant like one at Norcia to help you through the process step by step. We will work for you, not the insurance company, to help you get what you’re entitled to. You won’t even need to contact your insurance company to file insurance claims directly. With assistance from the experts at Norcia, we can take care of this for you. We can come to your home, document damages, talk to your insurance company for you, explain to you what is unfolding, clarify all aspects of the paperwork and go over contracts to help you understand them.

Give us a call at Norcia and we can help you every step of the way. Are you interested in learning more about help with insurance claims in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.

How Having Professionals by Your Side Can Help Solve Insurance Claims Disputes

When it comes to insurance claims disputes, one of the most common questions we get is about how to know what is covered and what is not. With winter storms approaching and months spent indoors on the horizon, there can be a variety of issues that arise in the coming months. If you find yourself filing an insurance claim this fall or winter, be sure to have the professionals working by your side and on your behalf. Here at Norcia Insurance Consultants, we are the experts in insurance claims disputes for Green Bay and can help with any problems that come from filing an insurance claim. We can file a dispute or claim for you and even handle the paperwork and speak directly with your insurance company. 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. Want to learn more about how we can help with all of your insurance claims disputes? Read on!

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So, what should you do in the case of insurance claims 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 mandate that 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 and a company must acknowledge and process a claim promptly. Insurance companies cannot ask you for unnecessary forms in order to delay the process and a company must have a good reason to deny a claim and many more. Not sure if your insurance company is violating any of these? The experts at Norcia can help solve insurance claims disputes like these and 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 have the professionals 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 receive.

Need help with any insurance claims disputes involving your Green Bay home or business? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.

Getting Answers to Your Insurance Claims Questions

Most homeowners aren’t experts at dealing with insurance companies, initiating a claim or negotiating insurance claims. Typical homeowners only ever have to make one or two major insurance claims if any. As the trusted insurance adjusters for Wisconsin, we are here to answer all of your insurance claims questions. WI residents have entrusted their insurance claims disputes and details with us for years and we are here to help you with this complicated process. Here are a few issues that often require an insurance claim as well as a few tips to help answer common insurance claims questions:

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Burst Pipes

Discovering a burst pipe in your home can be a scary experience. Your insurance company should understand that you need to move fast when handling a burst pipe insurance claim. After you’ve spoken with your insurance company, a water damage remediation company should arrive on-site quickly to tackle the problem.

A burst pipe can quickly cause thousands of dollars in water damage. Making matters worse, some insurance companies will refuse to cover certain burst pipe damages. If you need help figuring out coverage for your exact situation with water damage from a leak, broken pipe, or a pipe that burst, a licensed public insurance adjusters like those at Norcia Insurance Consultants can evaluate your policy and claim to provide industry expertise for your unique insurance claim.

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.

In many cases, the insurance company will dispute certain aspects of your insurance claim. In this case, should hire a public adjuster to answer any of your insurance claims questions and handle your insurance claim to ensure you receive the maximum amount you are entitled to in order to fix your roof.

Fire

After a damaging fire, you’ll want to make a list of everything you lost in the fire. Insurance policies require policyholders to file their insurance claims and ‘proof of loss’ reports as soon as possible, so call your insurance agent immediately to get the process started. Dealing with the insurance company is a very convoluted process, especially when it comes to fire damage so it is important you have someone fighting on your behalf and answering any and all of your insurance claims questions. An insurance claims adjuster here at Norcia can help you every step of the way.

Whatever damage occurs to your home, it is important to remember that only a licensed public adjuster can negotiate with the insurance company on your behalf, fighting for every penny owed to you under the terms of your contract. For more answers to your insurance claims questions in WI, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Spring Storm Insurance Claims Questions Answered

After a winter like we just had in Minnesota, spring could not come soon enough. However, it is important to remember that damage can occur any time of year. Unfortunately, with warmer weather, comes harsh, damaging storms that can wreak havoc on your home and property. When a storm hits and causes damage, it can be a stressful and upsetting time and you may not know what to do or where to begin. That’s why, the experts at Norcia are here to answer all of your insurance claims questions about your Minnesota property. We have received quite a few over the years so we would like to answer some of the most common ones here. And remember, our trained professionals are here to offer assistance whenever you need us.

How do I know if my homeowners insurance covers flood damage?

Unfortunately, chances are, your policy does not cover flood damage. Most policies cover damage from falling water or rain blown by the wind, but not from rising water or flooding. In many cases homeowners must have a separate or additional flood policy that covers rising water or flooding.

What if my home is too damaged to live in after it’s been hit?

If possible, find temporary shelter either with family or friends. Or, rent temporary shelter. If your home is uninhabitable because of physical damage, most homeowners’ policies will pay additional living expenses while your property is being repaired. Our insurance claims experts can help answer insurance claims questions like these by thoroughly combing through your policy and speaking directly with your insurance company to clear anything up. We will speak on your behalf to help you get what you need and what you deserve.Minnesota Insurance Claims Help

My home was damaged by a fallen tree, is that covered?

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.

What is the first thing I should do after my home’s been damaged by a spring storm?

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.

Still have more insurance claims questions? For more answers to your insurance claims questions in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Filing an Insurance Claim After a Damaging Winter Storm

It is still technically autumn; however, winter weather has been making its appearance all over the country. Will you be prepared for your first winter storm? What if that said winter storm causes damage to your home? Will you know what to do first? When a storm causes damage to your home, it can be a stressful time and you may not know what to do or where to begin. At Norcia, we offer help with insurance claims for Twin Cities area residents, and we are here to offer assistance whenever you need us. First, we would like to go through the very first steps you should take when damage occurs to your home this winter.insurance claims twin cities

When hail or 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 is very slippery and icy, even if you suspect your home or property has been damaged. Wait until the weather clears up and it is safe to venture outdoors. As soon as it’s safe to do so, go outside and slowly walk around the perimeter of your home. Take note of any damage you see, even if it’s only a small amount. Then, you should pick up the phone and call the experts at Norcia Insurance Consultants. Even if you are unsure whether the damage warrants an insurance claim, experts like those at Norcia can get you the insurance claims help you need to get you started. Even if a claim is fairly minor, like a cracked or broken window that 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.

And, you won’t even need to contact your insurance company to file insurance claims directly. With assistance from the experts at Norcia, we can take care of this for you. We 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 to help you understand them.

It is also important to document everything. In other words, take lots of pictures of any damage! Take close-ups, zoom in. In cases of loss with regard to natural disaster, it is far better to have way too much in the way of documentation than too little.

These are just some of the things you should keep in mind in the aftermath of a damaging winter storm. So, give us a call at Norcia and we can help you every step of the way.

Are you interested in learning more about help with insurance claims in the Twin Cities? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.