Winter Hazards: Home Insurance Claims Help for Seasonal Damage

Winter can bring both beauty and challenges for homeowners. At Norcia Insurance Consultants, they offer home insurance claims help to Minneapolis residents. Here's a guide to navigating home insurance claims for seasonal damage:

Common Winter Hazards:

1. Frozen Pipes:

-        Insulate pipes and allow a slow drip in extremely cold weather.

-        If pipes freeze, shut off the water supply and contact a plumber.

-        Document damage and provide evidence of preventative measures when filing a claim.

2. Ice Dams:

-        Ensure proper attic insulation and ventilation to prevent ice dams.

-        Address signs of ice damming promptly to prevent further damage.

-        Provide before-and-after photos of damage and repair receipts when filing a claim.

3. Snowstorms and Falling Trees:

-        Prune trees and remove dead branches before winter to reduce the risk.

-        In the event of damage, take photos of fallen trees or branches, assess structural damage and contact your insurance company to initiate a claim.

Stay Prepared and Informed:

-        Preventive Measures: Take steps to prevent common winter issues, such as insulating pipes and addressing ice dam concerns.

-        Understand Your Policy: Familiarize yourself with your insurance policy to know what is covered and what steps to take in case of damage.

-        Documentation: Thoroughly document damage with photos, receipts and evidence of preventive measures to support your insurance claim.

As winter approaches, being prepared and informed about potential hazards is crucial for homeowners. By taking preventive measures, understanding insurance policies and documenting damage meticulously, homeowners can navigate the insurance claims process successfully during the winter months. If assistance is needed with the claims process, public adjusters are available to help.

If you need home insurance claims help in Minneapolis or the surrounding Twin Cities area this winter, we are here to help. Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

 

Pros and Cons of Hiring a Public Insurance Adjuster

Insurance claims can come with more headaches than necessary if you aren’t sure where to begin. However, a public insurance adjuster in St. Paul can help you through the process of filing your insurance claim and negotiating with your insurance company. Like everything, hiring a public insurance adjuster also comes with its own pros and cons. If you are considering hiring a public insurance adjuster, consider the list below provided by the professionals at Norcia Insurance Consultants to help you weigh your options! For complex insurance claims, hiring a public adjuster may be your best option to ensure that you are receiving the insurance payout you deserve.

Pros

Help with aggressive negotiation

Public insurance adjusters provide you with assistance in communicating and negotiating with your insurance company. While your insurance company may also provide you with adjusters, remember that anyone supplied by your insurance company doesn’t work for you. Adjusters hired by your insurance company work for your insurance and aim to get you the smallest payout allowed by your policy. However, hiring a public insurance adjuster means that you have someone in your corner who understands the fine print of your policy and wants to help you get the payout you deserve.

Cooperation between all parties

Insurance companies at times will dispute sharing case-specific information with third parties. However, as public insurance adjusters are trained and specialized in insurance claims and are hired to represent your best interests during the claim, insurance companies will often cooperate with them and share necessary information.

Their portion is small

While you do have to pay public insurance adjusters a percent, in most cases their portion of the payout is insignificant compared to the difference between the smallest payout and the one you receive.

Cons

Getting everything in writing takes time

As hiring a public insurance adjuster isn’t regulated by state governments or laws, each professional relationship is dictated by the applicable individual contract. That’s why it is important to ensure that your whole agreement – all terms and conditions agreed upon and discussed – are in writing. However, the process of getting everything in writing and agreed upon by both parties can take time.

No guarantee they will succeed

Often, a public insurance adjuster will be able to positively impact the outcome of your insurance claim. However, every claim is different, meaning that the approach that works with one may not work the same for another. There is always a small risk that your claim will not be impacted by hiring a public adjuster.

You often have to pay them regardless of outcome

Unlike lawyers who may agree to only take a cut if they win, public insurance adjusters typically require payment whether they were successful in getting you a better payout or not. However, their job goes beyond just getting you a better payout and includes consultations and assistance with paperwork and each step of the process – helping you feel more comfortable that no mistakes are being made.

Are you ready to hire a public insurance adjuster in St. Paul to help with your insurance claim? Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!