Home Safety Tips for a Cold Minnesota Winter

It is officially winter, bringing cold weather to Minnesota. And it isn’t just any winter. This winter, cooking at home and indoor activities are at an all-time high. With more time spent at home, there are a few safety tips you should keep in mind to help you, your family and your home stay safe this winter. The expert insurance adjusters for MN, Norcia Insurance Consultants, know just about every possible risk out there and here to discuss some of the most important safety tips for this year’s Minnesota winter.

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Inspection of your heating system. Before your furnace begins working its hardest, it’s important to ensure it doesn’t have any major issues that could create a dangerous situation. Have your heating system professionally inspected in order to check the safety limits and burners for proper operation. An improperly working heating system can create carbon monoxide hazards as well as other dangers.

Chimney inspection. Another area of the home that has to do with heat and also requires inspection are your wood-burning fireplace chimneys. They should be checked and cleaned of soot buildup to ensure proper air flow and safe operation.

Roof inspection. Winter can be hard on roofing, your home’s #1 defense against the elements. So, now is the time to contact your roofing contractor to come out and inspect your roofing and gutters. Overlooked simple repairs, such a missing or displaced shingles, lose or leaky gutters, damaged flashing or caulking, cracked flanges can lead to more costly damage.

Smoke and carbon monoxide detector inspection. With a winter spent mostly indoors and the constant running of your heating system, it is important to check your smoke and carbon monoxide detectors. Also make a habit of changing their batteries. Home fire alarms should last about 10 years, but it is important to check on them consistently to ensure they’re working as they should to avoid a potentially dangerous situation.

Professional dryer vent cleaning. An often neglected task that is very important this time of year. Bulky clothing and blankets can put extra strain on your dryer so clothes dryer vents should be checked for a buildup of lint or blockage. If drying times are getting longer, it means the vent may be getting restricted and not allowing the proper airflow through the appliance. 

Did you know that dryer fires occur in the thousands every year? That is why it is so important to do what you can to keep your home’s dryers running safely. And, it helps to hire a professional dryer vent cleaning company to ensure a thorough job. But, if a fire does occur and causes damage to your home or property, be sure to contact the fire department right away. And, when you need help filing your insurance claim, seek assistance from our experienced public adjusters.

These are just some of the most important safety tips to follow this winter. Are you interested in learning more about how our public adjusters in MN can help you in the event of a fire or other damages this winter? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Homeowners Insurance and Coronavirus: What You Should Know

While the COVID-19 pandemic likely hasn’t changed your coverage much, there are certain things you should be aware of when it comes to your policy. As you do your best to stave off the coronavirus, heeding stay-at-home orders etc., we have come up with some tips on how you can better protect your family with your homeowners insurance. As the expert insurance adjusters for WI and the surrounding area, we are here to help you better understand your policy and get you what you’re entitled to if something were to happen to your home or business. Here are some key items to take into consideration:

COVID-19
  • Homeowners policies do not cover pandemic exposure, but it is important to take a look at your coverage and be aware of what it does cover in the event of an emergency. Now is also a good time to reassess both your personal property and liability coverage, especially if you’re working from home. If your home office requires specialized equipment or set up, you should find out from your insurance company about coverage for these types of situations.
  • It is also recommended to take a moment to check whether or not you have enough coverage for your personal belongings; especially for high-value items like electronics or jewelry, that could require separate add-on coverage. Not sure what your policy covers? The insurance adjusters at Norcia can review your policy and help you better understand it.
  • Make a home inventory. This can help you provide proof to your insurer of what you lost if you ever need to file a claim. Start by taking photographs of your belongings, log the make and model/serial number if applicable. You can also record a video to capture a number of items at once. Then, be sure to keep this records safe yet accessible in the event you need to file a claim.
  • Social distancing measures are driving insurers to keep any in-person interaction to a minimum. So, depending on the company you work with, the claims process may be very different from what you’re used to. If you’ve got insurance adjusters from Norcia working on your behalf, we can speak directly with your insurance company to ensure a claim is moving along as it should.

Need helping making sense of your insurance plan during these uncertain times? When you educate yourself and have expert insurance adjusters by your side, your chances of receiving what you are entitled to are raised.

Give us a call today and we can get to work for you! Do you need help from trusted insurance adjusters in WI? Call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to 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.

Insurance Claims Tips from Seasoned Insurance Claims Adjusters

So you’ve experienced a problem that warrants an insurance claim. When should you tell your insurance company? Should you tell your insurance company? How do you know everything you’re entitled to? These are just a few of the questions many homeowners have when the worst happens and it’s time to file a claim. As seasoned, trusted insurance adjusters for Green Bay and the surrounding areas, we would like to answer these questions and more to help you know what to do in the event it’s time to file a claim. And, if you still have additional questions about your claim, please don’t hesitate to give our insurance adjusters a call for help, guidance and information about the process. We can even offer you a free consultation.

insurance adjusters green bay

First, when to file a claim. Typically, it’s in your best interest to make a claim as soon as possible. The sooner you make a claim, the sooner you can start the repair, remediation, and recovery process. However, if you would like guidance from the very beginning, contact our insurance adjusters and we can file a claim for you.

Also, insurance companies expect you to mitigate losses using resources available to you. If your home has recently experienced flooding, fire, or roof damage from a storm, then you have a responsibility to limit this damage wherever possible. You may not be an insurance expert or understand much of your insurance policy, but we can help you understand these conditions and what is expected.

How do you know if you should file a claim at all? First, establish an inventory of all of the items and property that have been lost, damaged, or stolen. Make detailed notes about how, where, and why the damage occurred. Then, estimate how much it will cost to repair or replace any of your damaged or stolen property. If you’re unsure how much it will cost to repair the damage, contact our insurance adjusters and we can help you to assess the damages.

How do you know what you’re entitled to? This is information that you should be able to find out from your insurance company. However, unfair claims settlement practice can keep you from this information. This is the improper avoidance or reduction of a claim by an insurance company. There are many methods or tactics that insurance companies might use to unfairly handle the settlement of claims. To avoid this and to have someone fighting by your side and not the insurance company, you should enlist the help of a third party like one of our insurance adjusters here at Norcia Insurance Consultants. We can be there every step of the way. We can fill out and file all of your paperwork, and we can even speak to your insurance company on your behalf.

To learn more about our trusted, professional insurance adjusters in Harrisburg and to set up a free consultation, call Norcia Insurance Consultants at 1-866-512-LOSS (5677).

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.