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"
We all take steps to prepare our homes in case of a fire.
We keep fresh batteries in our smoke alarms, we make emergency plans with our families, we put rescue stickers for kids and pets on the windows for firefighters to see.
But have you thought about what would happen after a fire? Even a small fire is likely to cause some damage, and you’ll want to file an insurance claim.
Here are some things you should know about that process.
Continue reading "5 Tips for Filing a Fire Damage Insurance Claim"
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 of Florida.
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?"
Have you ever heard of the Atlantic hurricane season? That’s the time of year when the largest number of tropical storms tend to develop in the Northern Atlantic Ocean.
Cyclones, hurricanes, tropical depressions: If you live in Florida, where the storms reach peak intensity each year in the late summer or early fall, it really doesn’t matter what you call them. During each and every season in Florida, they tend to lead to extreme property damage.
Usually that damage comes as the result of heavy winds that send trees crashing through bedroom windows, or from torrential downpours, which can easily lead to flooded basements and ruined personal property.
The 2015 Atlantic Hurricane Season Has Already Started
Continue reading "Is Florida About to Get Crushed by Hurricanes?"
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"
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"
If you live in New Jersey or Pennsylvania — or nearly anywhere else in the Northeastern United States — you know that fierce winter storms aren’t the only weather-related threat that’s right around the corner.
Once that heavy snow starts falling, serious damage to your home and property is a very real possibility. And once the temperature dips below freezing or an actual ice storm comes your way, the potential damage to your home can get very serious, very fast.
It’s no wonder there’s so much confusion surrounding ice storm claims. Heavy snow or ice leads to the collapse of roofs and porches every single winter. And while the damage to your home will usually — but not always — be covered by your homeowners policy, the same can’t be said for any non-building structures on your property, like fences or septic tanks. (If those are damaged by the weight of snow or ice, you’ll probably be out of luck.)
Continue reading "Ready to File Ice Storm Claims This Winter?"