Common Causes for Home Insurance Claims

As expected, many if not most homeowners aren’t experts at dealing with insurance companies or negotiating insurance claims. But as the trusted insurance adjusters for Wisconsin, we are here to answer all of your insurance claims questions. WI homeowners entrust all of their insurance claims questions and needs with us because we are here to help you with this complicated process.

Some of the most common issues that often require an insurance claim, include:

 Roof damage. This one is tricky because some roof damage is always covered by a home insurance policy, while other roof damage is not. Most home insurance policies cover unexpected roof damage like hail damage, fallen debris and the like. If your roof was damaged in a storm, then your home insurance should cover the cost of repairing your roof to its pre-loss condition.

In many cases, the insurance company will dispute certain aspects of your insurance claim. In this case, should hire a public adjuster to answer any of your insurance claims questions and handle your insurance claim to ensure you receive the maximum amount you are entitled to in order to fix your roof.

Burst pipes. Discovering a burst pipe in your home can be a scary experience. Your insurance company should understand that you need to move fast when handling a burst pipe insurance claim. After you’ve spoken with your insurance company, a water damage remediation company should arrive on-site quickly to tackle the problem.

A burst pipe can quickly cause thousands of dollars in water damage. Making matters worse, some insurance companies will refuse to cover certain burst pipe damages. If you need help figuring out coverage for your exact situation with water damage from a leak, broken pipe, or a pipe that burst, a licensed public insurance adjusters like those at Norcia Insurance Consultants can evaluate your policy and claim to provide industry expertise for your unique insurance claim.

Fire. After a damaging fire, you'll want to make a list of everything you lost in the fire. Insurance policies require policyholders to file their insurance claims and ‘proof of loss’ reports as soon as possible, so call your insurance agent immediately to get the process started. Dealing with the insurance company is a very convoluted process, especially when it comes to fire damage so it is important you have someone fighting on your behalf and answering any and all of your insurance claims questions. An insurance claims adjuster here at Norcia can help you every step of the way. 

Whatever damage occurs to your home, it is essential that you enlist the help of a licensed public adjuster who can negotiate with your insurance company on your behalf and fight for every penny owed to you under the terms of your contract.

For more answers to your insurance claims questions in WI, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can Contact Us to set up your Free Consultation.

Tips from the Experts: Filing an Insurance Claim

If you’ve got to file an insurance claim, you likely have many questions. For example, how do you know if and when to tell your insurance company? And, how do you know if you’re getting everything that you’re entitled to? Many homeowners have similar questions when it’s time to file a claim. That’s where we come in. As the trusted insurance adjusters for Green Bay and the surrounding areas, we are here to answer these questions and offer tips to help you in the event it’s time to file a claim.

First of all, it’s in your best interest to make a claim as soon as possible. The sooner you make a claim, the sooner you can start the repair, remediation, and recovery process. Not sure where to begin? Our experts can offer you a free consultation. We can offer guidance from the very beginning, contact our insurance adjusters and we can file a claim for you.

You should also establish an inventory of all of the items and property that have been lost, damaged, or stolen. Make detailed notes about how, where, and why the damage occurred. Then, estimate how much it will cost to repair or replace any of your damaged or stolen property. If you’re unsure how much it will cost to repair the damage, contact our insurance adjusters and we can help you to assess the damages.

Insurance companies also expect you to mitigate any possible losses using resources available to you. For example, if your home has recently experienced damage from a storm, then you have a responsibility to limit additional damage as much possible. You may not be an insurance expert or understand much of your insurance policy, but we can help you understand these conditions and what is expected.

It is important to keep in mind that there are many methods or tactics that insurance companies might use to unfairly handle the settlement of claims. To avoid this and to have someone fighting by your side and not the insurance company, you should enlist the help of a third party like one of our insurance adjusters here at Norcia Insurance Consultants.

We can be there every step of the way. We can fill out and file all of your paperwork, and we can even speak to your insurance company on your behalf.

Interested in learning more about our trusted, professional insurance adjusters in Harrisburg? To set up a free consultation, call Norcia Insurance Consultants at 1-866-512-LOSS (5677).