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"

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"

Understanding Frozen Pipe Damage Claims and Frozen Pipe Leak Claims

Frozen pipe leak insurance claimsIf 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"

Ready to File Ice Storm Claims This Winter?

ice storm claimsIf 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?"

Property Damage from a Hurricane? A Public Adjuster Can Help!

public adjusterHurricane 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!"