One of the most common types of damage that occurs to many homes in the New Jersey or Pennsylvania areas is wind damage to the roof and shingles. In order to maintain the structural integrity of your home, this has to be repaired as soon as possible. However, it can often be a hassle trying to make a claim with your insurance company. Receiving the correct amount and in a timely manner becomes quite a challenge. If you’ve ever had to go through this kind of experience, you’ll know just how aggravating it can be. Whenever you’ve suffered wind damage roof or any other kind of damage to your home after a strong storm, the best thing you can do for yourself is to retain the services of a public adjuster.
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.
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.
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.)
Information is the key to success when working with a Public Adjuster. Before you call, make sure you have the following documents available — this will make it much easier for them to do their job and ultimately help you.
Your Current Insurance Information
The most important thing to provide is a copy of the relevant insurance policy. It is critical that you provide the entire policy to the Public Adjuster — this means every page, every footnote, and any content that could in any way be considered relevant to the policy.
Your Public Adjuster will use these documents as they try to get you the largest settlement possible, but they need to know the exact terms and conditions that are covering you before they can effectively negotiate on your behalf. They should have the information in-hand before they even start to examine the damage to your property.
A Public Adjuster is a licensed professional who can assist you in evaluating damage to property, gathering supporting information, and negotiating with an insurance company on your behalf after a major disaster.
The Process Of Public Adjustment
While insurance coverage exists to protect homeowners and reimburse them after a disaster, many contracts include clauses and provisions that can make it difficult for you to obtain benefits. A Public Adjuster will begin their efforts to help you with an examination of your property and the damage sustained. During this process, they will gather supporting evidence of the damage to act as proof of the claims – this information is often necessary to get the full value of your insurance benefits, so it’s important to obtain it as early as possible.
Thanks for visiting — we’re happy to have you here. Please feel free to contact us if you’re in need of our assistance. We’re always happy to help!
You can reach our New Jersey or Pennsylvania offices by dialing 800-334-9990.