Handling the Stress of Insurance Claims Disputes

Homeowners insurance is supposed to be there to alleviate financial stress when damage occurs to your home. But if a claim settlement offer falls short of expectations or if your claim is denied altogether, it can leave you more frustrated and stressed out than ever. Now is the time for insurance claims disputes. Disputes between customers and insurance companies over claim payments occur for many reasons, from fine print buried in a policy to debate over the cost to fix a house. But one thing is for sure; never face insurance claims disputes on your own. Always enlist the help of an expert to help you through the process step by step.insurance claims disputes

At Norcia Insurance Consultants, our experts specialize in insurance claims disputes for the Twin Cities and can help guide you through the entire process. We can even speak with your insurance company on your behalf, file important paperwork and more. If you think you’re getting a raw deal, you don’t have to accept it or face your insurance company alone. Here are a few tips to help you make your case. And then your ready, contact the experts in insurance claims disputes, Norcia Insurance Consultants and we can help you through it.

Review your claim. Not sure why the settlement was lower than expected? Ask for clarification. If it cites an exclusion or other specific language in your policy, ask it to point out the section.

Know your policy. Knowing what you’re entitled to under your policy can help your argument.

Document in writing everything your insurer or claims adjuster tells you. Keep a log of dates, whom you spoke to and what was said.

Ask for an at-home visit. If there are insurance claims disputes over the extent of damage to your home, ask your adjuster to inspect your house again.

And, these are just a few of the steps you can take to help alleviate the stressful situation that is the insurance claims dispute. Another essential step is finding someone to fight by your side. When you need to file an insurance claim or insurance claims disputes, 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 and insurance claims disputes so that you can rest easy.

Do you need help with insurance claims disputes in the Twin Cities? For more information on insurance claims help, 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.

insurance claims management

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.

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.

First Steps After a Damaging Storm or Natural Disaster

Spring is on its way and with warmer weather comes harsh, damaging storms. When a storm hits and causes damage to your home, it can be a stressful and upsetting time and you may not know what to do or where to begin. At Norcia, we offer insurance claims help for Minnesota and are to offer assistance whenever you need us. That’s why we’d like to go through the first steps to follow when the disaster is gone and it’s ready to pick up the pieces.

public adjuster green bay norcia insurance consultants

1. How to Know if You Should File a Claim

Not sure if you have a claim? File one anyway. Experts like those at Norcia can get you the insurance claims you need to get you started. Even if a claim is fairly minor, like a broken window, for instance and won’t exceed your annual deductible, you should still report that damage. Why? If there’s another storm this year, then together your claims from both storms might top your deductible and then you could be reimbursed.

2. Contact Your Insurance Company

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.

3. Document Damage

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 or none at all.

4. Log Transactions

For example, if your home has taken on severe damage, it is a good idea to 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. 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.

5. Get the Insurance Claims Help You Need

For all of these steps, it helps to have insurance claims help. We will be in your corner, not the insurance company’s. Our job is to look out for you to make sure that you get fair and reasonable compensation from your insurance company when you file a claim.

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