Getting the Insurance Claim Assistance You Need

In the event of a natural disaster or fire, do you know what your insurance will cover? Are you aware that every natural disaster is covered by homeowners insurance? Some insurance plans don’t cover earthquakes or floods. In many cases, homeowners must purchase separate insurance policies to help protect their home and belongings against those types of natural disasters. It may also be necessary to purchase additional coverages for better protection. Does this all sound quite confusing? Insurance companies are banking on it! 

 

At Norcia Insurance Consultants, we offer public insurance claim assistance for the Twin Cities and can help you make sense of your insurance coverage. It can be confusing trying to determine what is and is not included in an insurance plan. Our insurance claims experts are here to help clear things up so that you’re better prepared in the event of an emergency and insurance claim. 

 

While a typical policy comes with certain coverages, it is usually customized to meet each individual homeowner’s unique needs. There are a few basics covered by most insurance plans including windstorms, hail, fires, lightning strikes and more. Insurance plans are not one size fits all so your plan may only include some of these or even additional events. 

 

And, some homeowners insurance policies also may not include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence. Do you know what’s covered by your plan? Our insurance consultants can offer you the public insurance claim assistance you need and help determine what is covered and what is not. We can come to your home, talk to your insurance company for you, explain to you what is unfolding, clarify all aspects of the paperwork and go over your contracts. 

 

When you educate yourself and have the experts by your side, your chance of receiving the payout you are entitled to is raised. We will evaluate the damage, take pictures and video, analyze your insurance policy and to figure out how much money you should get. 

 

To get the help you need from professional, experienced insurance consultants, do not hesitate to give us a call. Our experts are here to help! To get public insurance claim assistance in the Twin Cities, call Norcia Insurance Consultants at 866-512-LOSS(5677) or you can contact us to Schedule a Free Consultation.

Getting Help with Insurance Claims Disputes

If you find yourself filing an insurance claim, it is important to have the professionals working by your side and on your behalf. Here at Norcia Insurance Consultants, we are the trusted professionals to help with insurance claims disputes for Minnesota and can assist with any problems that come from filing an insurance claim. The insurance claims process can be difficult for claimants especially when you don’t have insurance claims consultants on your side and becomes even more difficult in the event of an insurance claims dispute. So, don’t hesitate to get the help you need. 

 You should enlist our help from the very beginning. As soon as you receive a response you do not agree with from an insurance company, our experts can help you review your original claim to search for ways to improve it before opening a dispute. The claim you originally filed, if filed without our help, could contain mistakes or lack information that may have changed the insurance company’s answer. 

From evaluating and recording damage to filing your claim, talking to your insurance company on your behalf to filling out and sending paperwork, we will do everything we can to help. We will make sure all forms and documentation are filled out properly, and we will make sure to do our best to get you the full insurance payout you deserve. 

Many insurance companies, rather than standing by their policyholders, try to dispute claims or vastly underestimate property losses. As a claimant, you should dispute an insurance claim if you believe you deserve a different response from the claims adjuster. The timing of when to launch your dispute can be imperative to the future of your claim. At Norcia Insurance Consultants, we are here to help. Our insurance claims experts can help with the paperwork, timing and everything in between. 

 

We know it can be intimidating to go up against a large insurance company during insurance claims disputes. These corporations are usually worth a lot of money, and they want to do everything they can to hold onto as much of that money as possible. So, allow us to help you every step of the way! 

 

Norcia Insurance Consultants can be your valuable resource in resolving any insurance disputes amicably. We work for you, not the insurance companies, and always have your best interest at heart. 

 

Interested in learning how we can help with insurance claims disputes involving your Minnesota home or business? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.

Getting the Facts about Insurance Claims

Here in Wisconsin, we see our fair share of winter accidents and severe weather events. All of these can leave home or business owners with many questions after such an event. Roof collapses, water damage and even wind damage can be common occurrences that have many unknowns attached. As a trusted public adjuster for WI, we continue to assist area policyholders with all of their property insurance claims. That’s why, we’ve put together some of the facts in order to help homeowners and businesses owners recover. And, if you have a claim, don’t go it alone; contact the public adjusters at Norcia Insurance Consultants and we can walk you through the entire process step by step.

First of all, in order to avoid an accident, you should take some necessary precautions. For example, it is important to keep pathways around your home or complex clear of snow, ice and debris. This is a great way to cut down on accidents. It is important to concentrate on walking paths and drives. Either one could be the cause of a big accident. Don’t risk injury or property damage for your residents or complex. It’s a good idea to keep extra people on staff in case of hazardous precipitation.

In the event of damage caused by a winter storm you should do everything you can to mitigate and prevent further damage. Take lots of photos and don’t discard anything. Then, contact your insurance company and the public adjusters at Norcia. We can take inventory of the damage and provide an estimate of the value of your assets. Next, we can figure out how many of your assets are covered by your insurance policy and how much you should receive for those assets.

Many insurance companies will cover this under a standard policy provision called Additional Living Expenses. We can help you determine if you have this coverage and get you the assistance you need. Whatever happens, it is important to remember that it’s your claim and your property.

If you have a claim, consider enlisting a public adjuster claim expert to make sure your claim is properly handled.

Interested in learning more about a public adjuster in the WI area? Give Norcia Insurance Consultants a call today at 866-512-LOSS (5677) or request a free consultation online.

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).

Tips from the Experts: What You Should Do after a Storm

With spring and summer comes intense weather that can bring harsh, damaging storms to the area. When a storm hits and causes damage to your home, it is important to take the proper first steps to get your home and your wallet on the road to recovery. At Norcia, we offer insurance claims help for Minnesota and are here to offer help with all of your insurance needs. And, we’d like to start by giving you a few tips so you know where to begin.

First, not sure if you have a claim? File one anyway. Experts like those at Norcia can get you the insurance claims you need to get you started. Even if a claim is fairly minor, like a broken window, for instance and won't exceed your annual deductible, you should still report that damage. Why? If there's another storm this year, then together your claims from both storms might top your deductible and then you could be reimbursed.

Next, contact your insurance company. Contacting your insurance company is essential to starting the claims process. But, with insurance claims help help from Norcia, we can take care of this for you. A public insurance adjuster like us can come to your home, talk to y our insurance company for you, explain to you what is unfolding, clarify all aspects of the paperwork and contracts that you might otherwise have a hard time understanding.

Always be sure to document every single possible issue that can be deemed a “loss”. Take photographs and notes. Go room by room inside of the house, side by side on your home’s exterior. Take close-ups, zoom in. In cases of loss with regard to natural disaster in pursuit of recompense from your insurance company, it is far better to have way too much in the way of documentation than little at all.

If your home has taken on severe damage, it is a good idea to board up your windows and doors. This will aid in the effort to prevent it from taking on even more damage, in addition to protecting the assets within. If you bring in a contractor to do such work, keep the receipt. You never know and keeping an accurate log of all transactions related to the disaster your home has endured will go a long way in aiding the insurance claims management process.

One thing to always remember is that for all of these steps, it helps to have insurance claims help you can trust. We will be 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.

Are you interested in getting more information on insurance claims help in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

How Was Your Holiday Home Safety? Up the Ante for Next Year

It’s 2018! Let’s make your New Year’s resolution a safe one! The holidays for your home most likely meant bringing a tree indoors, putting up many sparkling lights, sitting around the wood-burning fireplace and lots and lots of baking. But hopefully, your holidays did not include insurance claims! As many of us know, hazards can arise this time of year and the last thing you want to do is file an insurance claim.

At Norcia Insurance Consultants, we are the experts in insurance claims for Green Bay and the surrounding areas and would like to offer some tips on how to make sure your 2018 is a safe one! Take note of these safety tips for a safer holiday season next year:

• At least once a year, preferably either right before or right after winter, have your chimney professionally inspected and cleaned. In your fireplace, make sure the only thing you are burning is wood. Make sure you only burn wood that is dry and cured. This means the logs need to have been split, stacked and dried for at least 8 to 12 months. 
• Test your smoke alarms monthly to make sure they work, and be sure to install smoke and carbon monoxide (CO) alarms on every level of your home and especially near sleeping areas. 
• For Christmas next year, make sure your tree is fresh and not dry. Purchase a freshly cut tree, as they are more resistant to ignition. Keep tree watered and away from any open flames like candles or fireplace. 
• Before stringing up the lights next December, carefully inspect them each year and discard any with frayed cords, cracked lamp holders, or loose connections. When replacing bulbs, unplug the light string and be sure to match voltage and wattage to the original bulb. You can even use an outdoor timer to turn lights on and off but make sure it is certified by CSA International. 
• This applies to more than just Christmas lights. Never connect more than one extension cord together; instead use a single cord that is long enough to reach the outlet without stretching, but not so long that it can easily become tangled. By avoiding electrical hazards like these you can also decrease the chance for insurance claims this year. 

These are just some of the ways you can help protect your home this year. Avoid the need for insurance claims! For more information about insurance claims in Green Bay, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.