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"
Years from now, you’ll be able to tell your children or grandchildren how you lived through the Blizzard of 2016.
It was fourth worst storm to hit the northeastern United States, dumping up to three feet of snow in some places. (One town in West Virginia had close to four feet.)
When big storms hit, it’s worth taking time to discuss how to respond to snow and ice damage. Here are some questions you should ask the next time your property sustains winter storm damage.
Continue reading "How to File Your Winter Storm Damage Insurance Claim"
If you’re a regular reader of the Interstate Adjusters blog, you probably saw our most recent post, which was published on October 30. It discussed the so-called “Super El Niño” that many respected meteorologists are predicting will cause major property damage this winter, especially along the coastal areas.
If you’re a homeowner, this is news you’re probably paying very close attention to. And if you’re not, well … you definitely should be. Why? If your home or any of your valuable personal property ends up taking a hit as a result of this season’s coming El Nino storm, you’ll want to make sure you have all your ducks in a row, so to speak, where your water damage and flood damage insurance policies are concerned.
Continue reading "Are You In The Path of El Nino? Here’s Why Your Water Damage Claim Might Be Denied"
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?"
Is Your Flooded Basement Covered By Homeowners Insurance?
You wake up one morning and discover that your basement has flooded overnight. As you stand at the bottom of the basement steps, you watch in horror as an old basketball floats past. A box of old CDs from college is under three feet of dirty water. Everything smells like a swamp.
Two questions immediately come to mind:
- How am I going to deal with this?
- Does my insurance cover it?
Unfortunately, answering the second question might be tougher than dealing with the first.
Flood damage in PA is unfortunately all too common. Just ask anyone who was living along the Delaware River between 2004 and 2006, or pretty much anyone who sustained water damage in NJ after living through Superstorm Sandy.
Sure, you may have homeowners insurance. But chances are that your home’s flood damage may not be covered.
Continue reading "Make Sure Your Flood Insurance Can Hold Water"
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"
Hurricane season is the No.1 time of the year when your home is at risk of serious damage. And with an average of two or three hurricanes each year, your home could be struck again before the cleanup and repairs are even finished.
Hurricane damage is a very real threat, so now is a good time to keep a Public Adjuster in mind.
Why should you think about Public Adjusters?
If storm damage has damaged or destroyed your home, then it’s important to find another form of shelter as quickly as possible. It’s too dangerous to stay in an exposed home until it’s been evaluated by a trained professional – and in many cases, a Public Adjuster can come out to your property in less than 24 hours. However, there’s a more important reason why you’ll want a Public Adjuster on your side: Speed.
Continue reading "Property Damage from a Hurricane? A Public Adjuster Can Help!"