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

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.

What is a public adjuster?

Keep in mind that insurance companies all have professionals who work for them, so as to help them accomplish their best interests, which is to pay out the least amount of money possible. It’s only reasonable that you as a client of those insurance companies should also have a professional working on your behalf, to help you achieve your best interests when you’ve suffered wind damage roof.

In the case of wind damage roof or any other type of damage to your home, that means you need the maximum settlement, so you can adequately cover the cost of any repairs. A public insurance adjuster only represents consumers, and does not work with the insurance companies, so their sole focus is on helping you obtain the money you’re entitled to.

As an example, when you’ve sustained wind damage roof, there will be some obvious damage such as missing shingles. But wind damage roof can also cause harm to the underlayment, and to the roof structure as well. Wind damage roof can loosen any of the original materials used in roof construction, although this might not be visible to the naked eye. Only a professional might recognize the true extent of wind damage roof, which is why a public adjuster may recommend a professional inspection.

Why use a public adjuster to submit your claim?

There are actually several reasons you should retain the services of a public adjuster when submitting a claim for wind damage roof to an insurance company. First of all, a public adjuster will help you to understand the intricacies of your policy, and can help you be aware of all the ‘fine print’ clauses which you may have been unaware of.

You’ll also find that using a public adjuster will expedite your claim, because all the proper information will be supplied the first time, so there won’t be any snags or obstacles in processing your claim. A public adjuster will be knowledgeable enough that they can gather all the required paperwork and documentation to support your wind damage roof claim, so it can all be submitted in a timely fashion, thereby shortening the time before you are compensated.

Your rights as a policy holder will be protected by a public adjuster, so the insurance company won’t take advantage of you. The adjuster will act as your personal advocate, having no ties to the insurance companies whatsoever. On your behalf, the adjuster will manage all communications between yourself and the insurance company, and will negotiate to ensure you receive the maximum amount of your entitlement.

A survey was recently conducted by the Office of Program and Policy Analysis and Government Accountability (OPAGGA), which revealed some startling results regarding claim payouts. When a public adjuster represented a client, the payouts were a whopping 747% higher than the insurance companies were initially willing to pay out. This fact alone should point up the importance of having a public adjuster to represent you in any negotiations with your insurance company.

If you’d like to learn how we can save you money, contact us today!

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 a Public Adjuster Can Help You.

A fallen tree next to a house

It’s a process that anyone who’s dealt with an insurance company can relate to. A disaster strikes, you file a claim, and they pay…maybe.  Listen we have helped thousands of customers settle their claims and we have seen quite a bit.

From our home base in Cumberland, NJ to Egg Harbor Township, to Philadelphia, we are exposed to all types of weather patterns and experienced with a wide variety of resulting claims.

The problem we see is when insurance companies don’t pay or underpay. Maybe your claim spends months or even years in limbo. Maybe the amount you get back doesn’t cover the cost of repairs to your home.

And in situations like these, having a public adjuster on your side can help. A public adjuster is a licensed professional who works on behalf of insurance policyholders during negotiations with the insurer.

Here are three ways that hiring Interstate Public Adjusters can help you.

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Protecting Yourself Against Holiday Theft & Property Insurance Theft Claims

theft claims

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.

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What is a Public Adjuster & How Can They Help Me?

Public Adjuster in PA, NJ & FLIf 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.

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Using a Public Adjuster to Avoid Insurance Claim Denial

Public Adjuster Claims AssistanceIt’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.

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The Benefits of Hiring a Licensed Public Adjuster

Licensed Public Insurance Adjuster BenefitsWhen you’ve suffered property damage, you’re not required to simply assume that the insurance company is providing you with adequate compensation for the loss. You’re well within your rights to hire a licensed public adjuster. In fact, when all is said and done, you’ll be glad you did.

One of the biggest challenges most owners face when looking at their destroyed property is being so overwhelmed by the destruction, they’re unable to fully process the magnitude of the loss.

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Flooding in Louisiana

Flooding in Louisiana August 2016In the summer of 2005, the world watched in shock and horror as Hurricane Katrina flooded the city of New Orleans.

Eleven years later, and the people of Louisiana are dealing with more flooding, a disaster which the Red Cross says is the worst since Superstorm Sandy in 2012.

The Red Cross expects the relief effort to take several months, with flood damage affecting tens of thousands of homes and businesses.

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Filing a Falling Object Damage Insurance Claim

Storm DamageNo matter how well you take care of your home, accidents can still happen.

You might have a fire. Your basement might flood. And sometimes, something might just fall out of the sky. It might be something as exotic as a meteor or a jet engine, or as everyday as a tree limb.

But no matter what happens, it’s important to know what falling object damage means in terms of your homeowner’s insurance.

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A Super El Niño May Be Coming. Is Your Insurance Company Really In Your Corner?

storm insuranceDo you remember the first time you heard the phrase “El Niño”? For most of us, it was during the 1997-98 winter season, when the granddaddy of all El Niños caused catastrophic flooding and mudslides along the California coast.

You may have learned about El Niño and the damage it caused that season by watching the news, or by talking to friends or colleagues. You probably learned that roughly 2,100 people were killed worldwide as a result of the storming, which led to at least $33 billion in property damage. We also learned that the weather event known as El Niño has actually been occurring every few years since 1986.

We learned all these things because unusual and tragic occurrences of any sort tend to become big news. And the El Niño of 1997-98 was most definitely an unusual and tragic occurrence. For many homeowners without flood damage and storm damage insurance, it was also an unbelievably costly event.

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