Holiday Home Safety Tips

The holidays are just around the corner! With all that the next few weeks will bring, the experts here at Norcia would like to discuss some of the most important safety tips to keep in mind this season. With cooking at home, indoor activities, vacations and decorations there are a few safety tips you should keep in mind to help you, your family and your home stay safe. And, in the event something does happen at your home, be sure to enlist the help of a trusted Wisconsin public adjuster to help with all of your insurance needs. But first, be sure to take these essential holiday precautions:

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Tree Safety

For one, it is important to place your Christmas tree away from fireplaces and heaters, and keep a fire extinguisher nearby. Live trees are highly flammable, especially a dried-out tree. Check the water level every other day to ensure proper hydration. Starting with a green tree is one way to keep it from drying out so quickly.

Lights

  • When stringing lights and decorations above your normal reach, make sure you use a proper ladder with someone supporting the base. 
  • Replace any lights with frayed wires, broken sockets and loose connections.
  • Don’t mount lights in a way that might damage the cords, and avoid using nails or tacks. Use hooks or insulated staples instead. And, don’t plug in too many lights to the same electrical outlet.
  • Turn off all lights before you go to bed and before leaving the house to avoid a short that could start an electrical fire.

Heating

A major aspect of the annual maintenance of your home heating system is to check the safety limits and burners for proper operation.

Chimney Inspection

Another area of the home that requires inspection are your wood-burning fireplace chimneys. They should be checked and cleaned of soot buildup to ensure proper air flow.

Home Security

Unfortunately, this is a common time of year for break-ins. Take the time to prepare for winter security and avoid the mess of a break-in, especially if you plan to go on vacation. If you do have a break-in, it is important to contact the authorities right away. Our public adjusters can help with the next steps.

Are you interested in learning more about how our public adjuster serving Wisconsin can help you in the event of a fire or other damages? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Winter Home Safety Tips

With winter in full swing, the experts here at Norcia would like to discuss some of the most important safety tips for the season. With cooking at home, indoor activities and family vacations, there are a few safety tips you should keep in mind to help you, your family and your home stay safe this winter. And, in the event something does happen at your home, our Wisconsin public adjusters are here to help with all of your insurance needs. But first, be sure to take these essential cold weather precautions:insurance adjuster minnesota norcia insurance consultants

Test Smoke and Carbon Monoxide Detectors

With cold weather also comes the constant running of your heating system and the use of other heating sources. It is so important to check your smoke and carbon monoxide detectors this time of year. Also make a habit of changing their batteries. Some people use daylight saving time as a reminder to check their smoke or carbon monoxide detectors and change their batteries. Home fire alarms should last about 10 years, but it is important to check on them consistently to ensure they’re working as they should to avoid a potentially dangerous situation.

Heating Inspection

Another major aspect of the annual maintenance of your home heating system is to check the safety limits and burners for proper operation.

Dryer Vent Cleaning

This is a big one for winter. Clothes dryer vents should be checked for a buildup of lint. If drying times are getting longer, it means the vent may be getting restricted and not allowing the proper airflow through the appliance. Dryer fires occur in the thousands every year, so it is important you do what you can to keep your home’s dryers running safely. If a fire does occur and causes damage to your home or property, be sure to contact the fire department right away. And, when you need help filing your insurance claim, seek assistance from our experienced public adjusters.

Chimney Inspection

Another area of the home that requires inspection are your wood-burning fireplace chimneys. They should be checked and cleaned of soot buildup to ensure proper air flow.

Home Security

Take the time to prepare for winter security and avoid the mess of a break-in, especially if you plan to go on vacation. If you do have a break-in, it is important to contact the authorities right away. Our public adjusters can help with the next steps.

These are just some of the most important safety tips to follow this winter. Are you interested in learning more about how our public adjusters in Wisconsin can help you in the event of a fire or other damages? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Common Summer Hazards: Public Adjusters Provide the Assist

The summer is not yet over and there are still many hazards around the home that could pose a threat to you and your family. Your home is supposed to be a place to feel safe and secure. However, there are a few seasonal dangers that can catch you off guard and cause damage to your home. As a public adjuster for the Twin Cities, we are all too familiar with these types of hazards and would like to provide a rundown of what they are and help offer awareness. But, in the unfortunate event that something does occur, call a public adjuster for assistance. We can help take away a lot of the stress you are experiencing. If one of these events were to befall your home, and you need to make a claim with your insurance company, we can help you deal with the legwork associated with filing such a claim. Take a look at these hazards below and try to avoid letting them become a problem in your home.

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Overworked Electrical Systems

This time of year a lot more appliances are plugged in at a time. During the dog days of summer, additional strain from AC units can potentially cause outages, blackouts and even shorts. More appliances combined with soaring temperatures increases the chance for a short circuit, thus creating the danger of a house fire.

Outdated Air Conditioners

We all use air conditioners in the summer. However, many units are either dirty or not up to date. This can not only cause poor air quality but high energy costs and fire hazards as well. Make sure your AC is cleaned or serviced at least once a year and that your filters are replaced often.

Relaxed Home Security

When you’re spending more time outdoors, windows and doors can be left open. When you open your home to the fresh air you also need to make sure you’re not opening it up to unwanted guests. Property crimes increase during the summer months so make sure you are keeping your household secure.

Flooding

This time of year, summer rains can flood basements and homes and even damage appliances. Floods can cause a lot of damage so keep your eye on the weather and make sure your home, including the roof and basement is prepared for heavy rains.

Don’t allow any of these summer hazards to put a damper on your plans. And, if you do find yourself in the undesirable position of having to deal with your insurance company alone, hire our public adjuster in the Twin Cities area. Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

What to Do after a Severe Storm

Public Adjuster Green Bay WIAfter a storm or another severe weather event, it can be incredibly stressful – especially if your house sustained any damage. You might not be sure what to do first or where to turn. As a public adjuster serving Green Bay and the surrounding areas, we have helped countless homeowners like you file the insurance claims needed to get their houses fixed. Here are a few suggestions on what to do after a bad storm:

  • You need to think about safety first and foremost. If for any reason you cannot stay in your home, you need to immediately find another place to stay. Ask friends and family for help or stay at a nearby hotel. There could be live power lines that are creating a safety risk, or you might be dealing with flooding, which could include raw sewage and other health risks like that.
  • If your house is fine and nothing is flooded, and if it is safe to go outside again, you need to start documenting the damage. Take a notebook and a camera and start taking pictures of damages and making notes about it. In those notes, make sure you keep track of any potential problems: mold developing, crumbling drywall, etc.
  • Contact us so we can send a public adjuster to your house. Your first consultation is totally free and you are under no obligation to hire us for help. But we think once you talk to us and see how we can help, you will want us to stick around. We can handle the insurance claims process from here, and part of our services is taking inventory of the damages as well. Our public adjuster will be the go-between between you and your insurance company, and we can even file paperwork and speak to the insurance company on your behalf.
  • Finally, be patient. Even with our help, the insurance claims process can take a long time: usually several months. However, our public adjuster will do everything he or she can to speed up the process or, at the very least, keep up with the insurance company so you get your insurance pay-out that much sooner.

Are you interested in learning more about how to hire a public adjuster in Green Bay or any of the surrounding areas? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Public Adjusters Will Negotiate the Best Settlement Possible for You

A public adjuster can help you get a fair settlement from an insurance company.  The public adjuster represents you, and his or her job is to help you settle your claim for the maximum amount that your insurance policy entitles you to receive.

The insurance adjuster from the insurance company is representing the insurance carrier, and his or her job is to settle your claim for as little as he or she can get away with.

When you meet with a public adjuster, he or she will first want to review your insurance policy and the circumstances surrounding your claim. By evaluating this information, he or she will know what you are entitled to claim and what kind of value to assign to your loss.

Insurance policies are written in specific legalese, and unless you know what a particular term means from a legal standpoint, you won’t know what your rights and obligations may be. A public adjuster has had training in insurance law and will be able to analyze your policy to determine the extent of your coverage and the maximum amount you would be entitled to claim.

Next he would visit your damaged property site to check the details of your loss. An experienced public adjuster will not only see the obvious, but he or she will have a good idea of what hidden damage may have occurred, and the consequential expenses that are likely to be encountered in the process of repair.

He or she will be able to estimate the total cost of restoring your loss to the pre-event condition, and how much of that cost is actually covered by your policy. If your loss is for your business, your public adjuster will be able to estimate the cost of replacing any business assets, loss of income and other business opportunities that you may be entitled to claim.

He or she will then put all of this information into a format that can be used to properly support your claim. And finally, your public adjuster will negotiate with the insurance carrier on your behalf to achieve the best settlement possible.