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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"

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?"

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"

Make Sure Your Flood Insurance Can Hold Water

Is Your Flooded Basement Covered By Homeowners Insurance?

flood insuranceYou 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:

  1. How am I going to deal with this?
  2. 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"

What to Do After a Fire, Flood, or Other Natural Disaster

what to do after a fireThere 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"