Depend on Public Insurance Adjusters

Its wintertime! Get that fireplace running! Nothing compares to the overall awesomeness of a fireplace. The odor, the crackle, the trance-inducing fire, all of it adds up to you and yours frequently sitting around the fireplace to enjoy family time.

The fireplace is not all roses, sunshine and warmth. Your chimney offers potential hazards if not properly cared for. As public insurance adjusters in the Twin Cities, so many of your acquaintances, colleagues, family and friends have been assisted in the event of their home falling prey to the unkempt whims of a chimney that from year to year is put into action without proper care.

The fireplace is something that gets an annual shut down only to be reawakened at a later date. You, at a minimum and preferably once a year, right before or right after winter, should have that chimney professionally inspected and cleaned. When a standard house-warming fire burns in your fireplace, creosote begins to form. It accumulates and builds up with each subsequent fire. This black and sticky flammable substance should be cleaned regularly to prevent it from igniting and causing a fire at a place with your chimney that you do not want it to be.

Utilize dried and cured wood in your chimney operations (the logs need to be split, dried for 8 to 12 months). Stack your logs so that they have a cover over them, leaving ample openings on the sides to accomplish proper air flow. Do not utilize lumber scraps, construction scraps, painted wood or other pieces of treated wood. These types of wood could release harmful chemicals into your home, and it could affect the indoor air quality at your house. You can use starter logs to start the fire if you need to, but just be sure to use only one of them at a time since they burn very hot.

When not using the fireplace, always use the damper. The damper will help keep the warm air currently in your home from getting out. When actively burning a fire in the fireplace, make sure you keep the doors of the fireplace open to allow the heat of the fire to get into the room.

We hope that our tips will help you eliminate a worst case scenario from occurring within your home. Not running into a disaster equals not having to call on your insurance company. If you do find yourself in the undesirable position of having to deal with your insurance company alone, hire some public insurance adjusters in the Twin Cities area. Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

The Overwhelmed Homeowner and the Public Insurance Adjuster

As a public insurance adjuster serving Wisconsin, we know how much our job means to homeowners. We are advocates for your cause, always working hard to get you the full amount of compensation due from your insurance company following disaster or tragedy. Please check out the following reasons an insurance adjuster can be an asset to you if you need to file a claim with your insurance company.

A public insurance adjuster is your advocate. We are here to make sure you get the full amount of the insurance compensation that is due to you as per the terms set forth in your insurance policy. The insurance world can be a bit murky. Public insurance adjusters are here for you and yours to unmuddy the waters of the hectic homeowner’s insurance world. We are here to advocate on your behalf so you do not have to stress out or worry about how much money your insurance company is going to pay out.

We can help take away a lot of the stress you are experiencing. If an unfortunate event were to befall your home, and you need to make a claim with your insurance company, a lot of undue pressure is often added to your daily life. An insurance adjuster of our sort handles all of the legwork associated with filing such claims. You are then free to handle any other aspects of the event like dealing with the emotions, being there for your family and taking care of the other, more important things in your life.

A public insurance adjuster is in your corner, not the insurance company’s. Our job is to look out for you to make sure that you get fair and reasonable compensation from your insurance company when you file a claim.

Finally, a public insurance adjuster is also there to help you understand the subtleties and vagaries of insurance claims like how and when to file, what and when to expect compensation. If you have not dealt with insurance companies in this fashion before, the insurance world can be confusing and a bit overwhelming. A public insurance adjuster like us can come to your home, explain to you what is unfolding, clarifying all aspects of the paperwork and contracts that you might otherwise have a hard time understanding.

Do you need a public insurance adjuster in Wisconsin? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us and set up a Free Consultation.

Safety Tips for Your Fireplace

Now that winter is here, many families are enjoying their fireplaces. What better way to socialize and get comfy and cozy than gathering around a warm and crackling fire? However, fireplaces and chimneys can pose a threat to the health and safety of you and your family if they are not properly used and cared for. We are an insurance adjuster in Minnesota, and we want to make sure you and your family stay safe this winter when using your fireplace.

On a yearly basis, make sure that you get a professional chimney sweep to come to your home to inspect your chimney and clean it. The sweep will note if there are any needed repairs. Make sure the chimney sweep company you use is licensed by your state and make sure they are fully insured to do the work.

When burning wood, make sure it’s been dried and cured. The logs need to have been stacked for at least 8 to 12 months before being used, and they should be stored somewhere that they can be exposed to air but where they will not get too damp. If you store your wood pile outside, make sure you cover it with a tarp but keep the sides open so plenty of air can flow through.

In any type of fireplace you might have, make sure only that particular fuel source is burned. So if you have a wood-burning fireplace, make sure the only thing that is burned in there is wood. Do not burn painted wood or treated wood, and do not allow anyone to burn plastic, glass or any other materials like that.

Close the damper when your fireplace is not in use. This will help keep warm air from escaping out of your home through your chimney. When you have a fire going in your fireplace, make sure you open the glass doors so the warmth can go into your home. This is also a safety issue as well.

During the inspection process, make sure the chimney cap is in good shape as well. The cap is what will keep animals from nesting in your chimney and it also helps keep water out of your chimney as well, not to mention downdrafts that could cause problems in your home.

Are you interested in learning more about our services as an insurance adjuster in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to get a Free Consultation.