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"
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"
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?"
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!"
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.
Continue reading "What You Need When Meeting With A Public Adjuster"
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.
Continue reading "Why Choose a Public Adjuster?"