Before chimneys came along, keeping your home warm meant building a fire pit. You’d have to cut a hole in your roof for the smoke to escape.
Even then, you’d still have to live and work in a fairly smoky environment, while also contending with an open fire in the middle of your home.
Then came the Middle Ages, and with them the chimney, forever changing the way we heat our homes. Yet even after 900 years, we still haven’t perfected the chimney.
Chimney fires cause millions in property damage each year, destroying homes, putting lives at risk and leading to countless Cumberland County, NJ smoke claims for insurance companies.
Yet there are ways you can protect your home and your family and ensure your chimney does its job. Here are a few different ways you can prevent chimney fires and smoke damage.
Continue reading "5 Easy Ways to Prevent Chimney Fires"
It’s a nightmarish thought. The smoke alarm goes off, you see flames in your kitchen, and soon you and your family are fleeing to safety.
The fire department arrives fast enough to save your home, but it’s clear things will never be the same again. While some people choose to move out and move on after a fire, it’s hard to imagine giving up your home.
Still, there’s some work involved in moving back in after a fire, from cleaning up to filing fire claims. Bucks County residents who’ve experienced a fire can begin to recover by following these steps.
Continue reading "Moving Back in After a Fire"
It’s been a long day. You just want to get home and relax.
But when you get to your front door…it’s clear something’s wrong. The door is cracked open. The drawers in your kitchen have been pulled out. And if you listen closely, you can hear a sound coming from the second floor.
Coming home to a burglary can be frightening and dealing with the aftermath of a break-in can feel almost as daunting.
There’s a lot more to it than just calling the police and filing a theft claim. Bucks County homeowners who are faced with a break-in should follow these steps in the aftermath of a burglary.
Continue reading "My House Was Robbed. What Do I Do Now?"
One of our more enduring holiday stories is Dr. Seuss’ How the Grinch Stole Christmas, beloved in part for its simple lesson: The people around us are more important than the things we have.
But for public adjusters and people in the insurance world, there’s a much less pleasant truth to the story: People like to steal stuff around the holidays.
Whether it’s someone breaking into your car while you’re at the mall or burglarizing your home while you’re out visiting relatives, thefts claims in Bucks County and surrounding areas tend to increase around the holidays.
With that in mind, we’ve decided to offer these tips for protecting yourself against holiday thefts.
Continue reading "Protecting Yourself Against Holiday Theft & Property Insurance Theft Claims"
As we write this, Hurricane Irma was on its way to the United States, bringing with it monstrous 200 mph winds.
As a hurricane damage public adjuster who works in Florida, it’s something we’re watching very closely.
Only four other Category 5 hurricanes in history have reached U.S. shores, and only one Atlantic storm – Hurricane Allen in 1980 – had winds that were higher. Irma is so strong, USA Today reported, that it’s showing up on machinery used to measure earthquakes.
Continue reading "How a Public Adjuster in Florida Can Help in the Wake of Hurricane Irma"
There are few incidents in the life of a homeowner or business owner that are more traumatic than theft and vandalism.
Just imagine: You return home after a long and trying day at work–or perhaps you arrive at your business early one morning, ready to start the day–and you notice right away that you’ve been robbed. Maybe your door has been kicked in or broken open. Maybe your plate glass windows have been smashed with bricks.
Whatever the scenario, it’s likely to lead to feelings of fear, anger, and vulnerability. But at the very least, those of you who’ve purchased theft and vandalism coverage from your insurance company will be able to get your damages repaired and your stolen items replaced. Right?
Continue reading "How Can a Public Adjuster Help with Theft & Vandalism?"
If you’re like most people, you may have heard of public adjusters, but might not fully understand what they do.
These professionals advocate on behalf of insurance policy holders during reimbursement negotiations.
Plenty of people are completely unaware of the nuances of their rights in the context of reimbursement for insurance. A public adjuster is here to help ensure policy holders are reimbursed exactly as they should be.
Continue reading "What is a Public Adjuster & How Can They Help Me?"
It’s been a bad year for wildfires in Florida.
As of mid-May, the state had lost 170,000 acres to fires, according to Florida’s agriculture commissioner. There were more than 2,100 reported fires, the result of drought conditions.
If you’ve been the victim of one of these fires, a public adjuster can work with you to help recover some of what you’ve lost.
Read on to see how a fire public adjuster in Florida can help you.
Continue reading "How a Public Adjuster Can Help with Fire Damage in Florida"
Winter brings a lot of possible hazards to your home: icy sidewalks, downed trees and wires, heavy snow piling up on roofs.
And while it’s important to deal with these external threats, don’t forget about one potential wintertime danger living inside your home: damage from burst pipes.
Continue reading "What to Do If Your Pipes Burst"
It’s something we see all too often in our line of work: Someone has had a claim denied by their insurance company, and they come seek out a public adjuster for help.
Unfortunately, there’s not much we can do for people after a claim is rejected. But a licensed public adjuster can play an important role when they become involved early in the process.
Read on to learn how using a public adjuster can help you avoid claim denial.
Continue reading "Using a Public Adjuster to Avoid Insurance Claim Denial"