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.

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.

First Steps After Water & Flood Damage

With the recent flood warnings here in Minnesota and a rather rainy summer, we would like to discuss what to do in the case you experience flood damage to your home. When rising water reaches your home and causes damage to your basement, flooring, and other property, there is a chance your home insurance policy will deny the claim. As expert insurance adjusters for Minnesota, we would like to give you the information you need to help protect you in the event of flooding or water damage. And, in the event you do experience these damaging effects, don’t hesitate to give us a call so we can help you with all of your insurance needs.

Minnesota & Wisconsin Insurance Claims Help: Natural Disasters, Structural Damage, Civil Unrest

If your home has been damaged by flooding in the past and you do not have flood insurance, we cannot stress enough how important it is to insure your home against flood damage in the future. If you are unsure as to whether you are covered for flood damage, we can help you find out. It is important that you understand very clearly what will happen if you own a home but do not have flood insurance. And, did you know that under most homeowner’s insurance policies, flood damage is not considered a form of water damage? It’s true! The insurance adjusters here at Norcia can help you determine what you are covered for and better understand your policy.

Don’t just assume your insurance company has got your best interest at heart. Insurance companies are in the business of making money. No matter how nice your insurance agent might seem, or how great your insurance company’s advertising presents itself, your insurance company is ultimately trying to maximize its profits. That’s where our insurance adjusters come in. We work for you; not the insurance company. Our insurance adjusters will help you review the damage, your policy and work to get you what you deserve.

If your home has suffered flood damage and you want to know more about your rights and options as a homeowner, so don’t hesitate to call the expert insurance adjusters at Norcia for the help you need.

Filing an insurance claim in the event of water or flood damage doesn’t have to ugly. Advocates for your cause are a mere phone call away. Help is here to assist you through all of the hoops you have to jump through, answering your questions along the way. Talk to the insurance adjusters at Norcia today to learn how we can help you with your claim filing woes.

Are you ready to learn more about our insurance adjusters in Minnesota? Contact us or call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Severe Weather Prep & When to Call an Insurance Adjuster

In Wisconsin and Minnesota, severe weather makes its appearance often. And, as an insurance adjuster for Wisconsin and the surrounding areas, we have seen our fair share of damage to homes and property. Much of this damage comes from severe weather, like storms and tornadoes. So, we’d like to provide you with ways in which to prepare for an event such as this, including when it’s time to call an insurance adjuster for help.

insurance adjuster

When the worst happens and your home sustains damage from a storm, fire or another unexpected event, it is an incredibly stressful time. You might think that you can handle the insurance claims process on your own. However, you should keep in mind that your insurance company is always going to be looking out for its own interests first. But, before you contact an insurance adjuster, here is what you can do to keep you, your family and your property safe:

Have a Plan

Make sure everyone in your family knows where to meet in the event you are separated and what to do in case of severe weather. You should also have a safe area of your home in case of a tornado. This room should be underground if possible and windowless. If this is not available, try to get to a bathroom and into a shower stall or bathtub. Stay there until an all clear sign or until someone comes to get you.

Keep Emergency Supplies

Included in your emergency kit should be a flash light, batteries, a battery-operated radio, gallons of water, canned food and a first aid kid including band-aids, gauze, hand sanitizer, thermometer and medical tape. Also have a list of emergency contacts and medical insurance cards.

Keep an Eye on the Weather

Always make sure your car has plenty of gas in the event your area is ordered to evacuate. Also, sign up for text message alerts.

When to Call Your Insurance Adjuster

Once it is safe and everyone in your household has been accounted for, take a walk around to your home to see what damage has been done. Take any notes or photos if possible. Call your insurance adjuster to help with your insurance claim once all emergencies are taken care of.

Call on Norcia and their team of insurance adjusters to help you with every aspect of your insurance claim. We can handle the paperwork, documentation and fight to get you the amount you are entitled to for your damages.

Call on us at the first sign of damage to your home. It would also be a good idea to get a hold of us at the moment you start seeing red flags from your insurance company.

Do you want more information on how to hire an insurance adjuster in the Twin cities? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.

Public Insurance Adjusters Help the Overwhelmed Homeowner

As a public insurance adjuster serving Wisconsin, we know how much our job means to homeowners. We are advocates for your cause, always working hard to get you the full amount of compensation due from your insurance company following disaster or tragedy. Please check out the following reasons an insurance adjuster can be an asset to you if you need to file a claim with your insurance company.

We can help take away a lot of the stress you are experiencing. If an unfortunate event were to befall your home, and you need to make a claim with your insurance company, a lot of undue pressure is often added to your daily life. An insurance adjuster of our sort handles all of the legwork associated with filing such claims. You are then free to handle any other aspects of the event like dealing with the emotions, being there for your family and taking care of the other, more important things in your life.

A public insurance adjuster is your advocate. We are here to make sure you get the full amount of the insurance compensation that is due to you as per the terms set forth in your insurance policy. The insurance world can be a bit murky. Public insurance adjusters are here for you and yours to unmuddy the waters of the hectic homeowner’s insurance world. We are here to advocate on your behalf so you do not have to stress out or worry about how much money your insurance company is going to pay out.

Finally, a public insurance adjuster is also there to help you understand the subtleties and vagaries of insurance claims like how and when to file, what and when to expect compensation. If you have not dealt with insurance companies in this fashion before, the insurance world can be confusing and a bit overwhelming. A public insurance adjuster like us can come to your home, explain to you what is unfolding, clarifying all aspects of the paperwork and contracts that you might otherwise have a hard time understanding.

A public insurance adjuster is 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.

Do you need a public insurance adjuster in Wisconsin? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us and set up a Free Consultation.