Do You Know What Your Homeowner’s Insurance Does & Does Not Cover? Ask the Experts

In the event of a fire or natural disaster this summer, do you know what your insurance will cover? As professional insurance consultants for Green Bay, we are here to help you answer that very question! We get a lot of questions about insurance claims but one of the most common call we get is people calling in asking for help making sense of their insurance coverage. It can be confusing trying to determine what is and is not included in an insurance plan. That’s what we are here for! We would like to clear up a few things for you know and help you in any way we can. So, when you need help from professional, experienced insurance consultants, do not hesitate to give us a call.

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First of all, it is 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. 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 windstorms, hail, fires, lightning strikes and more. Insurance plans are not one size fits all so your plan may only include some of these or even additional events. Our insurance consultants can help you determine what is covered and what is not. 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.

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.

Need helping making sense of your insurance plan? When you educate yourself and have the experts by your side, your chances of receiving what you are entitled to are raised. Our job is to get you the full amount of insurance money you are entitled to. We will evaluate the damage, take pictures and video, analyze your insurance policy and to figure out how much money you should get.

Give us a call today and we can get to work for you! Ready to receive help with your insurance disputes in the Twin Cities? Call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to Schedule a Free Consultation.

Have a Safer, Insured 2017

This time of year, many people are trying to keep up with their New Year’s Resolutions. Why not make one that counts; to be prepared in the event that damage occurs to your home or other tragedy occurs. It’s easy to keep this resolution, simply contact our insurance consultants in Wisconsin today and they can help prepare you for the many possibilities that may arise when the worst happens. From being prepared in the event of a winter storm, to loss consultation, you can trust Norcia Insurance Consultants. We offer the insurance claim help you need, speaking to your insurance company on your behalf and working to help get the full amount you are entitled to. Start preparing today. Here are a few things to keep in mind when it comes to possibility of dealing with an insurance claim:

Emotional implications. In addition to the financial and physical issues that may arise, there will no doubt be emotional aspects to deal with as well. However, when you hire a professional insurance consultant, we can handle all of the legwork that comes with filing a claim. By dotting your I’s and crossing your T’s for you, it can give you the ability to deal with other aspects of a tragedy like being there for your family.

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Stress. As a homeowner, you might expect the insurance company to pay out a fair and reasonable amount of money in the event of a tragedy. However, you may ultimately find out you will only receive a fraction of what was expected. This can not only come as a shock, but result in a stressful experience. This is why we highly recommend speaking to one of our professional insurance consultants when filing an insurance claim. We work for you, not the insurance companies, helping you get what you deserve.

Insurance Claims Process

 

Time. The insurance claim process can go on for several months or even a year! Having insurance consultants on your side can help alleviate this heavy burden on day-to-day life. Let us analyze your insurance policy, assess the damage to your home, complete and submit your insurance claim, so that you can get back to your busy schedule.

This year, promise yourself that if damage to your home or tragedy should arise, to be prepared and trust the experts at Norcia Insurance Consultants. Insurance consultants in Wisconsin are just a phone call away. We will outline all we can do for you, and you’ll get to see firsthand that insurance consultants can take a whole lot of stress off of your plate.

Call Norcia Insurance Consultants at 866-512-LOSS (5677), or contact us and set up 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.

Insurance Adjusters: What Do We Do, Exactly?

Norcia Insurance Consultants has for over 20 years been in the insurance claims industry. But, what exactly does this mean? If you’re not familiar with insurance adjusters, you might not be sure what are our duties as Minnesota insurance adjusters consist of.

What an insurance adjuster does
The primary role of an insurance adjuster is to help his or her clients after they’ve experienced damage or loss of property, or were somehow injured. The adjuster investigates the claims to ensure the entitled settlement is disbursed to the proper party.

Skills needed to be an insurance adjuster
The most successful insurance adjusters are capable of working with a wide range of people, and need to compile a variety of information, including photographs and statements, and must be able to prepare reports about claims received. Putting together these reports requires talking with experts like accountants, lawyers, physicians and more, who can provide you with the necessary assistance.

Official requirements needed by insurance adjusters
No educational requirements are necessary to become an insurance adjuster, as most companies provide novices with on-the-job training. If you pay close attention to details and quickly pick up on things, you’ll be able to rise more quickly in the ranks. Having experience will help you in moving up to higher positions more quickly.

There will always be a need for insurance adjusters
Insurance claims adjusters like Norcia Insurance Consultants will always be needed, as people will require assistance and support when filing an insurance claim, and the industry is expected to grow dramatically over the next 10 years.