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.

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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 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.

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.

You Know You Need Insurance Claims Management When…

When you need to file an insurance claim, it is important to get the help you need to file it correctly and get the payout you are entitled to. After all, it can be a stressful time and it can be easy to overlook things when trying to handle it yourself. A public insurance adjuster from Norcia can help you with your insurance claim so that you can rest easy. But, how do you when to call for help? We are the experts in insurance claims management for the Green Bay area and have years of experience helping homeowners like you get the insurance help they need.

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One may think they can handle the insurance claim process on their own and that all they need to do is call the insurance company, submit paperwork and then wait and receive a check for the full amount. But, there is a lot more to it. Here are a few signs you may need insurance claims management from the professionals:

You know you need insurance claims management when…

  • You see the first signs of damage to your home. Whether your home is affected by storm, tornado or similar situation, having an adjuster on your side right off the bat means you start on a level playing field with your insurance company. When you get the help of insurance claims management, our professional insurance claim adjuster will know the certain conditions of your insurance policy that must be met and strictly adhered to before and during the claims process. This will ensure you’re on top of the damage, what coverage you have and what you’re entitled to.
  • You notice a red flag from your insurance company. What’s a red flag? One red flag is if they reassign your claim to another one of their adjusters. That can sometimes signal that your repair estimate is going to be revised several times before it is paid out. Insurance claims management can help you avoid these types of delays.
  • Also, keep in mind that insurance companies are always looking out for their own interest above all else. And often, the amount you are entitled to and the amount they think they owe you are two very different numbers. To avoid this, you are in definite need of insurance claims management.

Whatever the reason you need insurance claims management, be sure you get help from the very best; Norcia Insurance Consultants. When you need dependable and professional insurance claims management in the Green Bay area, call Norcia Insurance Consultants at 1-866-512-LOSS (5677) or you can contact us to Request a Free Consultation.

Insurance Claims Management Specialists Save You Some Trouble

Once your home has been the victim of damage as a result of fire, flood or some other type of catastrophe, the sensation of being pulled in many different directions can be overwhelming. With so much to take care of in the aftermath of such—not to mention the stress—the waters often become muddied as far as what steps you should be taking. As insurance claims management specialists to Minnesota home owners, we would like to offer a few suggestions on what steps you should take.

The Documentation

Document every single possible issue that can be deemed a “loss.” Take a mountain of photographs and notes. Go room by room inside of the house, side by side on your home’s exterior. Take close-ups, zoom in. In cases of loss with regard to natural disaster in pursuit of recompense from your insurance company, it is far better to have way too much in the way of documentation than little at all.

The Fire Department

If you have even an ounce of concern over the safety of your property, call your local fire department. They will help you verify whether or not your home’s utilities are safe for use. They will also turn off your utilities if they are deemed unworthy of normal application.

The Home

If your home has taken on severe damage, board up your windows and doors. This will aid in the effort to prevent it from taking on even more damage, in addition to protecting the assets within. If you bring in a contractor to do such work, keep the receipt. You never know and keeping an accurate log of all transactions related to the disaster your home has endured will go a long way in aiding the insurance claims management process.

The Insurance Company

Get a hold of your insurance company as soon as is possible for you. You will want to provide them with every possible detail on the event that caused the damage, the damage sustained and all losses that have occurred. Ask your insurance company for a copy of the ACORD claim form so you that you can prove that an insurance claim was indeed filed. Do not hesitate to also get a hold of your mortgage company to inform them of the goings-on and inform them of any damage or loss.

For more information on insurance consultants in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Preparing for a Blizzard or Winter Storm

With winter right around the corner, people are starting to get ready for the frigid temperatures, blustery winds and freezing precipitation. Here in Minnesota, we get plenty of snow and bad weather every winter, so it is important for you and your family to be prepared in case there is a power outage or in case your home sustains any damage as a result of bad weather. If your home gets damaged and you need help with insurance claims management in the Twin Cities, you can call us for help.

In the meantime, here are a few things you should be aware of when making your preparations.

First things first: know the difference between a winter storm outlook, advisory, watch and warning.

Outlook: There is a possibility of winter storm conditions within the next two to five days.

Advisory: Winter weather is expected to cause inconveniences when traveling and maybe become hazardous. Use caution and these situations should not be life-threatening.

Watch: Winter storm conditions might occur within the next 36 to 48 hours. People are warned to stay updated on weather conditions and to get ready for the possibility of a storm.

Warning: Severe and life-threatening weather condition have either already started or will start within the next 24 hours. Those who live in an area with one of these warnings should immediately start getting ready for the upcoming storm.

Before the winter weather starts to hit your area, make sure you have a fully stocked emergency kit in your home. It should include items like bottled water, batteries, a battery-powered radio, a flashlight or two, candles and matches, nonperishable food, sand or kitty litter, extra blankets and jackets and extra bottles of necessary medication. You should also have a first aid kit handy in case someone gets injured.

Make sure every member of your family knows what to do if there is a bad winter storm, especially if everyone is not together in the same house. Be sure everyone knows how to get in touch with one another and how to get back together after the emergency is over.

Finally, keep an eye on the weather. Avoid travelling, unless it is an emergency, if the weather is forecasted to get bad.

After the storm, take a close look at your home and property and take pictures of any damage. Then contact us to learn about our insurance claims management service and how we can help you.

If you would like more information on insurance claims management in the Twin Cities and how we can help you, call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.

Beware of Fake Insurance Adjusters

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.