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Winter Hazards: Home Insurance Claims Help for Seasonal Damage

Winter is a season of beauty, with its pristine snowscapes and cozy indoor gatherings. However, it can also bring a host of challenges and hazards for homeowners. From frozen pipes and ice dams to snowstorms and more, the winter season can wreak havoc on your home. At Norcia Insurance Consultants, we are proud to offer home insurance claims help to Minneapolis residents.

We have compiled information about various winter-related hazards to provide guidance on how to navigate home insurance claims for seasonal damage. By understanding these risks and your insurance coverage, you can ensure a smoother winter season for your home.

snowy road with cars parked alongside, all covered in snow

1. Frozen Pipes: A Common Winter Nightmare

One of the most common issues homeowners face during winter is frozen pipes. When temperatures drop, water in pipes can freeze, causing them to burst and potentially flood your home. To prevent this, consider insulating your pipes and allowing a slow drip of water in extremely cold weather. If you still encounter frozen pipes, promptly shut off the water supply and contact a plumber. When filing a home insurance claim, document the damage thoroughly and provide evidence of your preventative measures.

2. Ice Dams: Roof Damage from Winter’s Wrath

Ice dams are another winter hazard that can cause significant damage to your roof. These occur when snow and ice build up on your roof and prevent melting snow from draining properly. This can lead to leaks and structural damage. To mitigate ice dams, make sure your attic is well-insulated and ventilated. If you notice signs of ice damming, such as icicles, address the issue promptly to prevent further damage. When filing a home insurance claim, provide before-and-after photos of the damage and any repair receipts.

3. Snowstorms and Falling Trees

Winter snowstorms can bring the added risk of falling trees or branches. Heavy snow and ice can cause weakened trees to break, damaging your home or property. Pruning trees and removing dead branches before winter can reduce the risk. In the event of damage, take photos of the fallen tree or branches, assess the structural damage, and contact your insurance company to initiate a claim.

Stay Prepared and Informed

As the winter season approaches, staying prepared and informed about potential hazards is crucial for every homeowner. By taking preventative measures, understanding your insurance policy and documenting damage meticulously, you can navigate home insurance claims successfully during the winter months. Remember, if you need help with the home insurance claims process, our public adjusters are here to help.

If you need home insurance claims help in Minneapolis or the surrounding Twin Cities area this winter, we are here to help. Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

Common Winter Insurance Claims & How to Prevent Them

Whether this winter brings sub-zero temperatures, multiple feet of snow or all of the above, winter-induced home damage can sometimes be unavoidable. But sufficient insurance coverage may cover even the most bitter disaster. It is important to get what you are owed in the event of a winter disaster and the professionals at Norcia Insurance Consultants are here to help. We are the trusted name in insurance claims for MN and can work on your behalf to help get what you are entitled to. Here are a few of the most common types of winter-related home damage plus how you can prevent them. 

insurance claims MN

Ice Dams

Last month we covered ice dams and how to prevent them. They are a major problem in the winter and can lead to mold and leakage. An “ice dam” forms on a roof when snow melts and refreezes near the gutters or roof edges. When the ice begins to melt again, the water can seep under roof shingles. the subsequent icicles hanging from your roof might be enchanting, but a heavy icicle could rip off a gutter.

Have a professional inspect your roof to see if solutions like heat cables and rubberized shingles can keep ice dams from forming in the first place. You should also keep all gutters clear of debris so melted snow can drain properly.

Fallen Branches

It may not be the first you think of when it comes to winter hazards, but tree branches cause a major threat especially following an ice or snowstorm. If an icy branch does fall, your insurance policy’s dwelling coverage should cover necessary repairs to the home, while your other structures coverage will pay for things like a damaged fence or shed.

Burst Pipes

A more obvious winter home disaster, frozen pipes can burst and cause accidental water damage, which can be expensive to repair. Make sure you do what you can to prevent any frozen pipes, but if water damage does occur, homeowners need to take action to mitigate further damage, like turning off the water valve.

Fires

Fireplaces, space heaters and other forms of electricity make house fires one of the most common causes of winter insurance claims. Be sure to do everything you can to prevent fires this winter. And if a fire does occur, make sure you get the help you need. 

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

Tips for Filing an Insurance Claim During the Holiday Season

The holidays are coming. In fact, Thanksgiving is just one month away. While you may be prepared for fun and festivities, you may not be prepared for the worst. With many people traveling, shopping and decorating over the holiday season, there is a higher risk of home burglaries, property loss and damage than the rest of the year. During this busy season, insurance companies have more to contend with, which makes filing a claim all the more difficult. To successfully file a claim in the event of a holiday emergency, our experts in insurance claims management for MN have put together these simple tips.

wood stove with fire burning inside and logs underneath

1. Contact the authorities first. Whether you experience storm damage or need to make a crime-related claim, always make sure everyone is safe first and contact the police, ambulance or fire department if necessary. They also begin the investigative process necessary to prove your claim with the insurance company.

2. Once you’ve ensured everyone’s safety, it’s time to call the experts at Norcia Insurance Consultants. We will be able to walk you through every step in the insurance claim process. Even if you are unsure whether the damage warrants an insurance claim, we can get you the help you need to get 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.

3. Always keep track of everything pertaining to your insurance claim. This is where good insurance claims management comes in. It is important to keep a record of all interactions with local authorities, insurance agents and repair companies. This can help you make a better case when filing and protect you against unfair claims handling practices by your insurance company. Insurance companies are the busiest around this time of the year, making them more likely to make mistakes and cut corners on your claim. Our experts at Norcia can handle all of this for you.

4. Always seek assistance from an insurance claims management professional. Filing an insurance claim during the holidays has several challenges. Insurance companies are likely to decline more cases to ease their workload, but this can negatively affect policyholders. For the best protection of your rights, schedule an insurance dispute consultation.

Don’t 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.

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

Insurance Claims Disputes & Questions

This summer’s weather has been unpredictable to say the least with high temperatures, flooding and other not-so-mild weather activity. And, this fall and winter are shaping up to be much of the same.  Weather events 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 questions about your insurance claim and property. And, when insurance claims disputes arise in MN, we are the experts to call. When it comes to weather, insurance, and the home, there can be a lot of unanswered questions especially in the event of a denied claim. That’s where we come in. Our insurance claims experts will work for you and not the insurance company, working to get you what you are entitled to. 

insurance claims disputes MN

In our work over the years, we have heard from many people who have questions and are in need of help with their insurance claims. We are here to provide assistance. We’ve put together answers to some of the most common insurance claims questions for your reference. And remember, if you find yourself with insurance claims disputes, don’t hesitate to call the professionals at Norcia Insurance Consultants. 

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

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.

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.

My home was damaged in a flood, is that covered?

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.

Why is the settlement lower than expected? 

Ask for clarification. If it cites an exclusion or other specific language in your policy, ask it to point out the section. Or, call the professionals at Norcia and we can help settle any insurance claims disputes.

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

Insurance Claims Disputes & Storm Damage

The weather is warming and summer is just weeks away. And with warming temperatures also come damaging storms. While most homeowners have insurance that will cover any severe weather damages, insurance claims disputes can still arise. Insurance companies can and do occasionally deny legitimate claims. That’s where we come in. The experts at Norcia Insurance Consultants can help you resolve such insurance claims disputes and work to get you what you deserve. We have years of experience helping Wisconsin homeowners with insurance claims disputes and can help you when you need it most.

insurance claims disputes Wisconsin

First of all, when a storm damages your home, don’t contact your insurance company to file insurance claims directly. Give us a call from the very beginning. 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. This can help keep insurance claims disputes from ever even coming up.

We will be able to walk you through every step in the insurance claim process. Even if you are unsure whether the damage warrants an insurance claim, we can get you the 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.

If you’ve already filed your claim and received a response you do not agree with from your insurance company, we can help you review your original claim to search for ways to improve it before opening a dispute. The claim you originally filed, if filed without our help, could contain mistakes or lack information that may have changed the insurance company’s answer.

Many insurance companies, rather than standing by their policyholders, try to dispute claims or vastly underestimate property losses. As a claimant, you should dispute an insurance claim if you believe you deserve a different response from the claims adjuster. The timing of when to launch your dispute can be imperative to the future of your claim. At Norcia Insurance Consultants, our insurance claims disputes experts can help with the paperwork, timing and everything in between.

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

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