Getting Answers to Your Insurance Claims Questions

Most homeowners aren’t experts at dealing with insurance companies, initiating a claim or negotiating insurance claims. Typical homeowners only ever have to make one or two major insurance claims if any. As the trusted insurance adjusters for Wisconsin, we are here to answer all of your insurance claims questions. WI residents have entrusted their insurance claims disputes and details with us for years and we are here to help you with this complicated process. Here are a few issues that often require an insurance claim as well as a few tips to help answer common insurance claims questions:

insurance claims questions wi

Burst Pipes

Discovering a burst pipe in your home can be a scary experience. Your insurance company should understand that you need to move fast when handling a burst pipe insurance claim. After you’ve spoken with your insurance company, a water damage remediation company should arrive on-site quickly to tackle the problem.

A burst pipe can quickly cause thousands of dollars in water damage. Making matters worse, some insurance companies will refuse to cover certain burst pipe damages. If you need help figuring out coverage for your exact situation with water damage from a leak, broken pipe, or a pipe that burst, a licensed public insurance adjusters like those at Norcia Insurance Consultants can evaluate your policy and claim to provide industry expertise for your unique insurance claim.

Roof Damage

Roof damage insurance claims can be tricky. Some roof damage is always covered by a home insurance policy, while other roof damage is not. Most home insurance policies cover unexpected roof damage like hail damage, fallen debris and the like. If your roof was damaged in a storm, then your home insurance should cover the cost of repairing your roof to its pre-loss condition.

In many cases, the insurance company will dispute certain aspects of your insurance claim. In this case, should hire a public adjuster to answer any of your insurance claims questions and handle your insurance claim to ensure you receive the maximum amount you are entitled to in order to fix your roof.

Fire

After a damaging fire, you’ll want to make a list of everything you lost in the fire. Insurance policies require policyholders to file their insurance claims and ‘proof of loss’ reports as soon as possible, so call your insurance agent immediately to get the process started. Dealing with the insurance company is a very convoluted process, especially when it comes to fire damage so it is important you have someone fighting on your behalf and answering any and all of your insurance claims questions. An insurance claims adjuster here at Norcia can help you every step of the way.

Whatever damage occurs to your home, it is important to remember that only a licensed public adjuster can negotiate with the insurance company on your behalf, fighting for every penny owed to you under the terms of your contract. For more answers to your insurance claims questions in WI, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Spring Storm Insurance Claims Questions Answered

After a winter like we just had in Minnesota, spring could not come soon enough. However, it is important to remember that damage can occur any time of year. Unfortunately, with warmer weather, comes harsh, damaging storms that can wreak havoc on your home and property. When a storm hits and causes damage, it can be a stressful and upsetting time and you may not know what to do or where to begin. That’s why, the experts at Norcia are here to answer all of your insurance claims questions about your Minnesota property. We have received quite a few over the years so we would like to answer some of the most common ones here. And remember, our trained professionals are here to offer assistance whenever you need us.

How do I know if my homeowners insurance covers flood damage?

Unfortunately, chances are, your policy does not cover flood damage. Most policies cover damage from falling water or rain blown by the wind, but not from rising water or flooding. In many cases homeowners must have a separate or additional flood policy that covers rising water or flooding.

What if my home is too damaged to live in after it’s been hit?

If possible, find temporary shelter either with family or friends. Or, rent temporary shelter. If your home is uninhabitable because of physical damage, most homeowners’ policies will pay additional living expenses while your property is being repaired. Our insurance claims experts can help answer insurance claims questions like these by thoroughly combing through your policy and speaking directly with your insurance company to clear anything up. We will speak on your behalf to help you get what you need and what you deserve.Minnesota Insurance Claims Help

My home was damaged by a fallen tree, is that covered?

Damage to your home from fallen trees is usually covered under most homeowners’ policies. Most companies will pay to have trees removed from the damaged structure however not all companies will do so.

When it comes to your parked vehicle, your comprehensive automobile insurance will cover damage that occurs there.

What is the first thing I should do after my home’s been damaged by a spring storm?

First, make sure everyone is safe. Once you’ve ensured everyone’s safety, contact your insurance agent or your insurance claims adjuster for instructions on what to do until they arrive. You can begin preparing an inventory of personal property damaged and take pictures of any damage to the property. Our insurance claims professionals from Norcia can do all of this for you as well.

Still have more insurance claims questions? For more answers to your insurance claims questions in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

How to Know What Your Home Insurance Covers and Doesn’t Cover

As insurance claims consultants and experts in home insurance, we get many insurance claims questions from Wisconsin area residents. And, one of the most common ones we get is about how to know what is and is not included in an insurance plan. We would like to clear up a few things for you know to help you in the event of an insurance claim. And, if you have any additional insurance claims questions, do not hesitate to give us a call. One of our expert insurance claims consultants are ready and willing to help with all of your insurance claims needs.

insurance claims questions

First of all, it’s important to know that homeowners insurance policies are not one-size-fits-all. While a typical policy comes with certain coverages, it is usually customized to meet each individual homeowner’s unique needs.
There are a few basics covered by most insurance plans including:

  • Fires
  • Lightning strikes
  • Windstorms
  • Hail

But, it’s important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. You may need to purchase separate insurance policies to help protect your home and belongings against those types of natural disasters. You may also need to purchase additional coverages for greater protection.

One of the basic coverages of a homeowners insurance policy is dwelling protection which helps cover the structure of the home in which you live, as well as other structures that are attached to it, such as a garage or a deck. And, some homeowners insurance policies also include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence.

Not sure what is covered on your insurance plan? When a disaster occurs, contacting your insurance company is essential to starting the claims process. But, with insurance claims help from Norcia, we can take care of this for you. A public insurance adjuster like us 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 that you might otherwise have a hard time understanding.

Do you still have some insurance claims questions? For more information on insurance claims help in Wisconsin, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

FAQs: Frequently Asked Questions about Insurance Claims

When faced with a crisis, many have questions about the next steps to take. Your first impulse may be to talk to family and friends, make a variety of phone calls, and seek out the answers. At Norcia Insurance Consultants we are here to help give you peace of mind as well as the answers you need, so you can return to your regular routine as soon as possible. To do that, we have prepared a list of insurance claims questions. Green Bay residents can use these answers to help prepare as much as possible for when the worst happens. And, if you are still unsure of what to do, call the insurance claims experts at Norcia.

insurance claims questions

Q: How do I file my claim?
A: When you incur damage to your property, you’ll want someone on your side that can help you file and manage your claim, as well as communicate with the insurance company on your behalf. That’s where a public adjuster comes in. Though, most insurance claims can be filed by visiting your insurance company’s office, over the phone or online, it can be helpful to receive expert advice before even filing the claim. Call Norcia first and we can answer all of your insurance claims questions and even file your claim for you.

Q: What should I do before anything else?
A: The first thing to do is make sure everyone is safe. After a natural disaster or other similar event, it is important to take care of yourself and your loved ones. If anyone requires medical attention, that is definitely a priority. And, once basic needs are met, you can begin to assess the damage and take detailed photos and notes. This is also a great time to give the experts at Norcia a call.

Q: Will my insurance premium increase if I file a claim?
A: This will depend on the circumstances and your insurance company.

Q: How long will my insurance claim take?
A: This also varies claim-by-claim but an a professional insurance claim expert can help streamline the process. Each claim is different, and the amount of resolution time varies based on the assorted factors of the claim. To help the process go as quickly as possible, be sure to provide your insurance company with all the necessary details and documentation in a timely manner.

The most important thing to remember is that filing an insurance claim doesn’t have to be a scary, long and drawn-out process. We are here to help you through each and every step and to answer any insurance claims questions you might have. Talk to the adjusters at Norcia today and learn how we can help.

Have additional insurance claims questions for your Green Bay household? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Commonly Asked Insurance Claims Questions

When faced with a crisis, all of us have questions about what the next steps are. We often talk to friends, make a variety of phone calls, and search out the answers in order to have peace of mind. The Norcia team wants to help you get answers easily, so you can return to your regular routine as soon as possible. To do that, we have prepared a list of insurance claims questions. Twin Cities residents can use this list to be prepared when the worst happens.

  • What should I do immediately after a disaster happens? Whether it’s a natural disaster or other problem that causes damage to your home or property, the first thing to do is make sure everyone is safe. If anyone needs medical attention, that should definitely be priority. Once everyone’s well-being is established, you should determine if it’s safe to stay in your home or if you need to find another place to stay. Once your basic needs are met, you can begin to assess the damage and take detailed notes and photos of the damage.
  • How do I file a claim? Most insurance claims can be filed by visiting the insurance office, over the phone, via a mobile app provided by the company or through using an online form.
  • Will my insurance premium increase if I file a claim? This will depend on the circumstances and your insurance company.
  • How long will my insurance claim take? Each claim is different, and the amount of resolution time varies based on the assorted factors of the claim. To help the process go as quickly as possible, be sure to provide your insurance company with all the necessary details and documentation in a timely manner.
  • Can my insurance company cancel my policy if I file a claim? Your insurance provider retains the right to cancel your policy at any time. However, this is usually only done when one is a high-risk policyholder.
  • I don’t think my losses will exceed my deductible. Should I still file a claim? While not necessary, if you file a claim you are protected in the event that you discover additional injuries or damages not initially expected. It is nearly always recommended that one file a claim in the event of a disaster or other cause of property damage.

Filing an insurance claim doesn’t have to be a scary, long drawn-out process. There are people to help you through the steps and answer your questions. Don’t lose sleep or let stress rule the day. Talk to the insurance adjusters at Norcia today to learn how we can help with your insurance claims questions.

If you have other insurance claims questions in the Twin Cities, call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.