Your Insurance Company Uses Professionals to Protect Their Interests. You Should Too!

Hurricane season is far from over; how are you managing your hurricane claims in New Jersey?

If you’ve spent hours reviewing your insurance after sustaining hurricane damage, you might be a bit bewildered about just what’s covered and what isn’t. Hurricane claims in NJ can be pretty tricky and sometimes confusing, especially if you’re unfamiliar with all the legalese which is used in a typical policy.

Many homeowners suffer wind damage, water damage, and other types of property damage, but still can’t tell exactly what’s covered after reading through their insurance coverage. Don’t feel bad if you fall into this category, because it’s fairly typical of insurance policies to be confusing and unclear about coverage. That’s what makes filing hurricane claims in NJ so important and so frustrating at the same time. Continue reading "Hurricane season is far from over; how are you managing your hurricane claims in New Jersey?"

How a Public Adjuster can help with your property insurance claims in New Jersey

There are many ways that you can suffer property damage, and some of these mishaps can result in damage so serious that it becomes necessary to file property insurance claims in NJ, in Pennsylvania, or in Florida. Hurricane season is one threat which homeowners on the Atlantic Coast must face every year, from June right through to November.

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Hurricane season in Florida is guaranteed. How will you manage your insurance claim?

The NOAA’s Climate Prediction Center is forecasting a busier and more violent hurricane season than usual for Florida in 2020, and so far this year, results have borne out that prediction. The Center is predicting 16 to 19 storms will sweep through the state this year, with somewhere between 6 and 10 of them developing into full-blown hurricanes, with sustained winds exceeding 75 mph. Continue reading "Hurricane season in Florida is guaranteed. How will you manage your insurance claim?"

Water Damage? Flooded basement? Navigating your way through a claim in Pennsylvania

Water damage can happen in your home or business for a variety of reasons, including a plumbing leak or storm. In fact, it is said to be a historic hurricane season that may potentially cause more water damage than usual. Continue reading "Water Damage? Flooded basement? Navigating your way through a claim in Pennsylvania"

The Ways that Public Adjusters can help you manage fire and smoke claims in Pennsylvania

Fire and smoke damage tends to be the most serious kind of damage which can affect your home, and that means you’ll need a quick resolution to the issue. Unfortunately, making smoke claims in Pennsylvania can be a long, drawn-out process, and in the meantime you’ll have to deal with a house whose structure may have been compromised in some way, and may not even provide adequate protection against the weather. Continue reading "The Ways that Public Adjusters can help you manage fire and smoke claims in Pennsylvania"

Historic Hurricane weather coming this season, is your New Jersey property protected?

Some weather experts are predicting that 2020 will be a historic year for hurricane season in New Jersey and elsewhere in the country. Storms have been increasing in number and intensity over the past several years, probably as a result of global warming, which has left ocean waters at higher temperatures than they have been for centuries. Continue reading "Historic Hurricane weather coming this season, is your New Jersey property protected?"

Wind Damage To Your Roof? Use A Public Adjuster

Wind Damage To Your RoofOne of the most common types of damage that occurs to many homes in the New Jersey or Pennsylvania areas is wind damage to the roof and shingles. In order to maintain the structural integrity of your home, this has to be repaired as soon as possible. However, it can often be a hassle trying to make a claim with your insurance company. Receiving the correct amount and in a timely manner becomes quite a challenge. If you’ve ever had to go through this kind of experience, you’ll know just how aggravating it can be. Whenever you’ve suffered wind damage roof or any other kind of damage to your home after a strong storm, the best thing you can do for yourself is to retain the services of a public adjuster.

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Public Adjusters: Get More Money when Filing Claims

Public Adjuster - Interstate Public AdjustersWhen we purchase insurance, it’s with the expectation that it will be there for us if things go wrong, whether we’re dealing with a car accident, a medical emergency or a fire or flood. And when disaster strikes, we expect our insurance to help us weather the storm, so to speak. But our years of working as an Atlantic County public adjuster has taught us that isn’t always the case. In this blog post, we’ll look at how public adjusters can help you get the most money from your insurance claim.

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How to Protect Against Post Storm Scams

flooded house

Years of dealing with Cumberland County storm claims have taught us that the aftermath of a natural disaster is an extremely stressful time.

The last thing people recovering from a flood, hurricane or wildfire need to worry about is whether they’re being preyed upon by scam artists.

Unfortunately, it’s in the wake of these disasters that scam artists tend to thrive, using a combination of chaos, desperation and public goodwill to cheat people out of money.

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What to Do When Your Home Has Suffered Water Damage

a leaking and water damaged ceiling

Even a small amount of water can lead to serious water damage.

A tiny leak in your roof can become a spreading water stain on your ceiling. A dripping pipe under your sink can cause your cabinetry to rot.

And that’s to say nothing of the major catastrophes we see when responding to floods, hurricanes and other Cumberland County water damage claims.

In this blog post, we’ll look at some of the steps you should take when your home sustains water damage.

Talk to your insurance company

Don’t wait to talk to your insurer. It’s important to find out what your policy covers.

Research contractors

You might need professional help when dealing with water damage. An electrician can help in cases where water reached your electrical panel or got into fixtures or appliances.

An HVAC technician can examine your heating and cooling system for damage. It’s a good idea to have them inspect your property if you think water has gotten into your ducts or heat registers.

Finally, you may need to speak with a general contractor who has experience restoring water-damaged homes. Ask for references; not every contractor will have the experience you need when dealing with Cumberland County Water Damage.

Safety issues

Even though the disaster may have passed, you should still exercise caution in the aftermath of a flood or major storm.

Shut off the power to your home if you can, unless doing so will require you to stand in wet areas. If that’s the case, wait until you’ve consulted with an electrician. Wear protective clothing such as rubber boots and gloves upon re-entering your home.

If any of your kitchenware – plates, glasses, flatware – were caught in the flood, make sure you wash them before using them again.

Water removal

If you’re only dealing with a small amount of water, you may be able to carry out your clean-up with a wet vacuum. More serious flooding will likely require you to rent a water pump.

If your basement is flooded, take care not to remove all the water at once, as the sudden loss of pressure can cause the walls to cave in and the floors to buckle. Instead, try to pump out one third of the water a day.

Dry and disinfect

Mold works fast, so you’ll need to work faster to dry out your home. Fans are useful, but if water damage has spread throughout the home you might want to rent a large dehumidifier and run it nonstop to dry things out.

Mold mitigation can turn into a major project, which is why you might end up working with a general contractor. Moisture in your walls might require you to replace drywall and insulation to prevent mold, mildew and rot.

Also, we mentioned kitchen suppliers earlier, but anything that came in contact with flood water should be disinfected. If the flood water contained sewage or other hazardous materials, any porous materials will need to be thrown away.

Thorough drying and disinfecting – done as soon as possible – are essential for curbing mold growth.

Speak with a public adjuster

If you have experienced any sort of water damage, a licensed public adjuster from Interstate Public Adjusters can help you recover the full value of your home and belongings.

No matter the extent of your Cumberland County water damage, we can examine your property and help you value your claim accurately.

Your insurance company hires professional adjusters to protect their interests. In the wake of a catastrophe, you deserve to have someone looking out for you. Contact us today to learn more.