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.

Insurance Adjusters Eliminate Stress and Hassle

Your home may indeed endure some damage in the event of powerful storms or a natural disaster. The stress that comes with this territory does not help matters any. Your concerns vary and increase as the process of getting your damages covered and paid for struggle onward. You worry over the well-being of your family and your house, anxiety mounting as time passes. On top of these things that bother you, what about the emergency repairs needed, adding to the overwhelming pile of issues mounting? You may be in over your head. Your opponent, it seems, in these adventures, is the insurance company you have to deal with. That is where we at Norcia Insurance Consultants can help! Our insurance adjusters can assist Twin Cities homeowners with insurance claims!

Do not pursue your potential fight with your insurance company alone! The process of calling your insurance company, submitting the veritable mountains of paperwork and other bits of documentation only to receive a check that will in all likelihood be substantially less than the amount you are actually entitled to is usually a bit daunting and disappointing in the end.

Your insurance company, obviously, is not acting with you in mind. They want to pay a minimum that covers some of your damages. The amount that you are entitled to does not come to mind for an insurance company, their own interests mattering more than all else when it comes to a payout. 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 fighting to get you the amount you are entitled to for your damages.

Call on the public insurance adjusters at Norcia Insurance Consultants at the first sign of damage to your home. There are those who say don’t delay in hiring a public insurance adjuster because there are certain conditions of your insurance policy that must be met and strictly adhered to before and during the claims process. Good public insurance adjusters know these conditions or policies. With their help the playing field is leveled between you and your insurance company.

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. If your claim is mysteriously switched to a new adjuster, be wary. That often signals that your repair estimate will undergo several revisions throughout the process which could ultimately mean some of your repair claims could be sacrificed.

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

MN Public Insurance Adjusters Need to Be Independent

A recent story from NBC New York caught our eye, as it details how one public insurance adjuster duped homeowners into signing bad contracts with a contractor of the adjuster’s choosing. One quote in particular stuck out:

“We hired a public adjuster which, in my family’s opinion, was the worst mistake ever,” said Chancy Marsh.

Hearing things like that makes our stomach turn, although it’s understandable why Mr. Marsh now feels that way. Read the entire story by clicking here.

When you hire a public insurance adjuster in Minnesota or anywhere else, you expect that this person will work for you in your best interests, since YOU hired them. And they should work for you, not steer you toward a contractor of they’re choosing.

While many Minnesota adjusters do have relationships with contractors, they shouldn’t push you toward the contractor they want. They need to be impartial, and understand you might have a contractor with whom you trust and wish to work. If not, they should be able to recommend different contractors, or encourage you to find your own.

One of the National Association of Public Insurance Adjusters codes of conduct is:

Members shall not acquire any interest in salvaged property or participate in any way, directly or indirectly, in the reconstruction, repair or restoration of damaged property, except with the knowledge, consent and permission of the assured.

In short, no adjuster should push toward a contractor of their choosing. If you find this is happening, look for a new adjuster. This person isn’t working in your best interests. If they are stressing a company over another, don’t be afraid to ask them why they are highly recommending them. Maybe do some research and see if there’s a connection between the contractor and the adjuster.

Looking for a Minnesota public insurance adjuster that works FOR you? Call us now at (866) 512-5677 or Click Here to Request a Free Consultation.

How Public Adjusters Can Help after a Disaster

Natural disasters –those unforeseen, oft described as acts of God, events that have a way of irrevocably changing life, as we know it. It might be a fire that eliminates all the pictures, family mementos or business records, a flood that destroys all it comes in contact with, or a devastating tornado that leaves you trying to determine where to turn and how to proceed. However, with insurance, you can begin to move forward.

Sadly, though, there are times that the insurance you thought would be there to help you in your time of need, doesn’t deliver. Should this occur, you will need to work with a third party insurance adjuster. Third party insurance adjusters are there to help you get the monies you need. They will prepare a comprehensive assessment of all the damage to your home, business and other assets then present your claim to the insurance company. They will work with the insurance company to ensure that you get the full amount needed to make the repairs, pay for any medical assistance, etc. that you have. A third party insurance adjuster will be there with you throughout the entire insurance claims process. They will be able to answer your questions so you can move forward as quickly as possible.

A third party insurance adjuster is also able to study your insurance policy and help determine if the types of coverage you are carrying will be enough to help you get the amount of money you would need in the event of an emergency. Most homeowners are not insurance experts and as a result, they choose a policy that would leave them severely uncovered should they be faced with a natural disaster. Talking to a third party insurance adjuster is a great way to take a proactive approach to a potential problem.

Disaster recovery can be traumatizing. You are reeling from the emotional affects, trying to grasp the financial loss involved and may even be dealing with a physical injury, so finding the energy to handle the other elements is virtually impossible. Enter the insurance adjuster. These people are specifically trained to help you pick up the pieces of what “once was” and help you begin turning it into “what it will be.” They know how to deal with an insurance company that is dragging its feet, so that you can begin moving forward again and they are there to help you each step of the way.

Fire Insurance Claims: 5 Tips for Filing

Fire continues to be a continuing threat to properties, and insurance companies are trying to cut corners on fire insurance claims in order to save money. Since the threat continues to increase, homeowners need to be familiar with how to file a fire insurance claim. There are few experiences more devastating than losing all your belongings and home, so the last thing you need to deal with is your insurance company giving you a hard time about the claim. Here are tips to follow when dealing with fire insurance claims:

  1. Ask for an advance against your ultimate claim
    If dangerous conditions forced you to evacuate, meaning you were unable to grab essentials, don’t panic: call your insurance company and ask that someone bring a check to you, so you’re able to buy necessities. Take care of your needs, but don’t buy frivolous or the most expensive items. The amount you get in advance will be deducted from your final claim.
  2. Make a list of losses; don’t throw anything away
    Begin putting together your list of losses immediately so you can remember what was lost to fire. Don’t throw anything away, as the insurance adjuster will want to see these things to include them in the coverage.
  3. File your claim right away and ask the company for immediate action
    Most policies require homeowners to file their claims ASAP. Call your agent immediately to get the process started. If you don’t, you could find yourself on the bottom of the list and it could be quite some time before an adjuster reaches you. Since you are acting as quickly as possible, your insurance company will need to do the same. If you find they are taking too long to get in touch with you, let them know you will get in touch with the appropriate state officials, and this should prompt them to act.
  4. Secure your property
    Your insurance company will require you to take reasonable care of your property, so you need to do everything you can to secure it from further damage. If there is a total loss, then this is unnecessary, but it only one are of the home was damaged, you’ll need to be proactive in taking actions to prevent against further damage.
  5. Monitor living expenses
    Your policy includes a “loss of use” clause, meaning you will be reimbursed for living expenses while you’re displaced. However, be aware you’re only entitled to the difference between what you spent when you were displaced and what you spent while you lived at home. If you’re staying with loved ones during this time, then your hosts might be reimbursed for these costs, so ask them to itemize additional costs.

If you find you’re having issues with getting your claim, then it’s time to get in touch with a qualified public adjuster like Norcia Insurance Consultants. Call us now at (866) 512-5677.