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"
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 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"
When 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.
Continue reading "The Benefits of Hiring a Licensed Public Adjuster"
In 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.
Continue reading "Flooding in Louisiana"
No 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.
Continue reading "Filing a Falling Object Damage Insurance Claim"
Do 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.
Continue reading "A Super El Niño May Be Coming. Is Your Insurance Company Really In Your Corner?"
There are very few experiences in life more traumatic than standing by helplessly as your home is destroyed by flood damage, fire damage, or some other form of unavoidable catastrophe.
And yet no matter how stressful and frightening it may be to live through a natural disaster, the fact remains that if you’re a homeowner or business owner, you now have the added stress of needing to submit an incredibly detailed claim to your insurance provider.
Indeed, if you have any hope of being reimbursed for the damage caused to your property and its contents, preparing an accurate insurance claim should be one of your very top priorities following a disaster.
There a number of other steps you’ll need to cross off your post-disaster to-do list at the same time, however. Many people who find themselves in such a situation discover early in the process that hiring a public adjuster can be a huge time- and energy-saver. It can also lead to substantial financial savings (more about that later).
Continue reading "What to Do After a Fire, Flood, or Other Natural Disaster"
If you live in the Northeastern part of the United States, you don’t need us to tell you that this has been one of the coldest winters in recent memory. Along with record snowfalls in New England, huge swaths of the country have experienced arctic blasts and bitter polar plunges in temperature. As a result, your home or business may have suffered from frozen pipes that led to a broken pipe leak.
If you weren’t lucky enough to catch your broken pipe in time, your property or your personal belongings may have been seriously harmed by water damage. Unfortunately, the process of having your frozen pipe damage covered by your insurance company can be tricky and frustrating.
How Can a PA and NJ Licensed Public Adjuster Help?
A licensed public adjuster will work as a claims advocate on your behalf. In dealing directly with your insurance company, a public adjuster will make sure you get the settlement you genuinely deserve. If your home or business has experienced water damage as a result of frozen burst pipes, he’ll also make sure you don’t find yourself financially gouged during the dryout and restoration process of your property.
Continue reading "Understanding Frozen Pipe Damage Claims and Frozen Pipe Leak Claims"