Were you caught off-guard by Wisconsin or Minnesota winter storm damage? If this has never happened to you, consider yourself lucky. It happens to the best of us. Just because it hasn’t happened to you yet doesn’t mean it never will. It’s a good idea for all Wisconsin and Minnesota homeowners and multi-family residence owners to be aware and prepared in the event of winter storm damage. As your team of Minnesota and Wisconsin insurance claim assistance agents, we’re on your side. In this blog, we’re going to cover some basic insurance claim assistant protocol in the event of Wisconsin or Minnesota storm damage.
Contact the Insurance Company
As soon as you notice any type of damage at your Wisconsin or Minnesota home, start contacting people. Your first step is to file a claim with your insurance company: later on you may need insurance claim assistance. But until then, they will send out an adjuster that works for their Wisconsin or Minnesota company to take inventory of the damage and make an assessment.
Review of Claim
After the Wisconsin or Minnesota insurance adjuster writes up an estimate for your damage, the insurance company will review their analysis. Once the company has had time to look at their adjuster’s assessment, they will provide you with a final number for you to review. When dealing with your insurance company, you don’t have to take the first offer they give you. Take some time and think about the figure they present to you. If you need insurance claims assistance, that’s where we step in.
Insurance Claim Assistance
If you feel the number your insurance company has provided is unfair, contact us. As a team of Wisconsin and Minnesota insurance claim assistance agents, we dig deep for you. We will fight for all the money you deserve by reviewing your insurance claim. We can then approach your insurance with facts and fight for all the money you deserve. The insurance claim assistance we provide is some of the best in the state.
When it comes to home insurance claims, there are numerous reasons to file one, as there are a lot of things that can happen and you should be ready for them all.
As a homeowner, you need to have an idea on the most common reasons for filing a home insurance claim so you can be ready should the time come. Having this knowledge allows you to be prepared in cases there are problems that do come about.
Wind can cause serious damage, whether it’s a really strong wind that blows away your roof, or objects in your yard being thrown against your windows and shattering glass. Also causing direct and serious damage to properties is hail. Hail damage can strongly impact roofs, siding and other exterior features. Often, the damage is so extensive that it’s best for insurance to cover the damages.
When it comes to water damage, there are two distinct types, which depend on the water source. There is the water damage caused by natural disasters like very strong storms which can cause flooding, and then there are those damages caused by issues in the home. Whether it’s because of a natural disaster or a broken pipe, water damages can severely impact your home and need to be addressed as soon as possible.
The most costly damage of all, in most cases, is fire damage. Fire can completely destroy your house and take with it everything that was inside. When a fire strikes your Minnesota home and it results in a total loss, you’ll have to start from scratch. In order to recover, you need to have adequate coverage against the damage that was caused. You’ll need to look into what kind of coverage is being offered in order to be safe.
Was your home damaged, and you’re having problems with the insurance company? When you need a Minnesota insurance claims professional on your side, call us today at 866-512-5677 or Request a Free Estimate.
When tragedy strikes, there will unfortunately be someone nearby who wants to take advantage of the situation for unscrupulous purposes. It’s no different with insurance adjusters; while legit, ethical insurance adjusters want to help their clients, there are some out there who will pretend to be an adjuster just to line their own pockets without providing any help. That’s been the case as of late in Florida, Property Casualty 360° reported recently. The publication noted:
Post-catastrophe fraud has been commonplace for quite some time and is not specific to Florida. National events such as the Sept. 11 terrorist attacks, Hurricane Katrina, the Deepwater Horizon oil spill, and the series of tornadoes that ripped through the Midwest last year have offered fertile grounds for opportunistic con artists. Although some of these gross actors have been brought to justice, ongoing efforts between regulatory entities, law officials, industry organizations, and P&C insurers will be necessary to quell similar crimes.
While the bulk of the story takes place in Florida and outside the Norcia Insurance Consultants service area, it does serve as a good reminder of to be cautious about with whom you do business. In times of catastrophe, you want to make sure that parties coming forward to help you are actually going to do just that. However, you need to know how to weed out the fakes from the real insurance adjusters. How do you do that? Here are a few tips of what to look for in an insurance adjuster.
Check to see if they’re licensed. This can be done with a simple Internet search or with a phone call to your state’s Department of Insurance. If there’s no record of them, you can probably be sure that they’re not legit.
Do an online search of them. If they’re a fake, you’re probably not the first person that they’ve bilked money from. And if they’ve done it before, someone has probably filed a complaint that can be located somewhere online.
If it seems too good to be true, it probably is. Don’t believe exaggerated claims or go along with anything illegal or unethical. If this starts to happen, cut all ties with the adjuster and get in touch with someone else.