When Should I Dispute an Insurance Claim?

The insurance claims process can be difficult for claimants especially when you don’t have insurance claims consultants on your side. It becomes even more difficult in the event of an insurance claims dispute. That’s why, if you find yourself filing an insurance claim this fall or winter, be sure to have the professionals working by your side and on your behalf. Here at Norcia Insurance Consultants, we are the experts in insurance claims disputes for Minnesota and can help with any problems that come from filing an insurance claim. How do you know it’s time to dispute an insurance claim? The experts at Norcia are here to help. 

insurance claims disputes minnesota

Many insurance companies, rather than standing by their policyholders, try to dispute claims or vastly underestimate property losses. As a claimant, you should dispute an insurance claim if you believe you deserve a different response from the claims adjuster. The timing of when to launch your dispute can be imperative to the future of your claim. At Norcia Insurance Consultants, our insurance claims experts can help with the paperwork, timing and everything in between.

Once you receive a response you do not agree with from an insurance company, we will help you review your original claim to search for ways to improve it before opening a dispute. The claim you originally filed, if filed without our help, could contain mistakes or lack information that may have changed the insurance company’s answer.

That’s why you should enlist our help from the very beginning. From evaluating and recording damage, filing your claim and talking to your insurance company on your behalf to filling out and sending paperwork, our public adjusters will do everything we can to help. We will make sure all forms and documentation are filled out properly, and we will make sure to do our best to get you the full insurance payout you deserve.

We know it can be intimidating to go up against a large insurance company during insurance claims disputes. These corporations are usually worth a lot of money, and they want to do everything they can to hold onto as much of that money as possible. So, allow us to help you every step of the way. When you call Norcia Insurance Consultants, we can be your valuable resource in resolving any insurance disputes amicably. We work for you, not the insurance companies, and always have your best interest at heart.

Need help with any insurance claims disputes involving your Minnesota home or business? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.

How to Go From ‘Denied’ to ‘Paid’ on an Insurance Claim

When you’re depending on an insurance claim to pay for damages your home has tragically sustained, the last thing you want to hear from your insurance company is that your claim has been denied. While it is possible that the claim simply isn’t covered by your policy, in our experience, many denied claims should actually be paid. Here at Norcia Insurance Consultants, we are experts in insurance claims here in Minnesota and work to get homeowners what they deserve. That’s why, to help homeowners understand the process, we’ve put together some information that can help move a claim from the ‘denied’ pile to the ‘paid’ pile.

insurance claims minnesota

For one, there are a few reasons a claim can be denied right off the bat. A claim may be denied if damage isn’t document well enough. This includes taking pictures and video of your property damage. You should record all evidence of the damage. It’s essential to record and keep everything. For example, if roof tiles fall off from wind damage, keep them. Just like taking pictures and video of the damage, keeping your actual damaged material provides important evidence and clues as to the cause of the damage.

And, when your insurance representative comes to the scene of the damage, be sure not to speculate or say anything that may hurt your claim. Insurance policies contain many complicated provisions that can provide or take away coverage.

And remember, once your insurance company has denied your claim they consider it a closed case. But you shouldn’t. Before you even begin the insurance claims process you should contact an insurance claim consultant like one at Norcia to help you through the process step by step. We will work for you, not the insurance company, to help you get what you’re entitled to. You won’t even need to 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, document damages, 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.

Give us a call at Norcia and we can help you every step of the way. Are you interested in learning more about help with insurance claims in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.

Filing an Insurance Claim After a Damaging Winter Storm

It is still technically autumn; however, winter weather has been making its appearance all over the country. Will you be prepared for your first winter storm? What if that said winter storm causes damage to your home? Will you know what to do first? When a storm causes damage to your home, it can be a stressful time and you may not know what to do or where to begin. At Norcia, we offer help with insurance claims for Twin Cities area residents, and we are here to offer assistance whenever you need us. First, we would like to go through the very first steps you should take when damage occurs to your home this winter.insurance claims twin cities

When hail or falling tree limbs wreak havoc, your first step is to make sure everyone is safe and your home is safe to be in. Do not go outside if it is still storming out or if it is very slippery and icy, even if you suspect your home or property has been damaged. Wait until the weather clears up and it is safe to venture outdoors. As soon as it’s safe to do so, go outside and slowly walk around the perimeter of your home. Take note of any damage you see, even if it’s only a small amount. Then, you should pick up the phone and call the experts at Norcia Insurance Consultants. Even if you are unsure whether the damage warrants an insurance claim, experts like those at Norcia can get you the insurance claims 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. 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.

And, you won’t even need to 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.

It is also important to document everything. In other words, take lots of pictures of any damage! Take close-ups, zoom in. In cases of loss with regard to natural disaster, it is far better to have way too much in the way of documentation than too little.

These are just some of the things you should keep in mind in the aftermath of a damaging winter storm. So, give us a call at Norcia and we can help you every step of the way.

Are you interested in learning more about help with insurance claims in the Twin Cities? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.

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.