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

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"

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.

There’s Water in My Basement. What Do I Do?

a water damaged basement

After years and years of dealing with NJ water claims, we call tell you there are a lot of reasons basements get flooded.

Heavy rains, hurricanes, burst pipes, backed-up drains and exploding water heaters. Whatever the cause, the outcome is the same: a waterlogged basement.

And dealing with those NJ water claims has shown us how much of a nightmare a flooded basement can be for homeowners.

Continue reading "There’s Water in My Basement. What Do I Do?"

Case Study: Helping a Church Recover from Massive Water Damage

It takes just one frozen pipe to cause hundreds of thousands of dollars in damage.

One of our clients learned that lesson the hard way recently. And without the help of a seasoned public adjuster, they might have had to settle for a fraction of what they needed.

Read on to learn how a we were able to work with this client and their insurance company to make sure they got the settlement they required.

Continue reading "Case Study: Helping a Church Recover from Massive Water Damage"

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.

Continue reading "Using a Public Adjuster to Avoid Insurance Claim Denial"

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.

Continue reading "The Benefits of Hiring a Licensed Public Adjuster"

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.

Continue reading "Flooding in Louisiana"

Are You In The Path of El Nino? Here’s Why Your Water Damage Claim Might Be Denied

el nino water damage claimIf 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"