Getting Professional Restoration Help After Your Home Has Been Flooded

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One of the worst things that any homeowner could face is a flooded house. Homes can become flooded due to a burst pipe or something more serious like a natural disaster. But no matter how your home has
become flooded, you will have to quickly deal with the situation. Trying to handle the cleanup process and rebuilding process on your own isn’t something that most homeowners can handle. Today, we are going to learn how hiring a professional water damage restoration service can help you get back your life faster.

They Got the Tools for The Job

Most homeowners will have a few simple tools that can help remove some water from the home. But most people are limited in their ability to get all the moisture out. When you hire a professional water damage restoration company, they will be able to completely remove any moisture from your home. They will use large fans, powerful vacuums and dehumidifiers to get the job done right.

They Can Stop the Mold Before It Starts

As we mentioned above, it is really important that you get all of the moisture out of your home. Mold simply loves moisture and it won’t take long for mold to grow inside your home. Once mold has established itself, it can really cause a lot of damage. Instead of letting that happen, you should call a water damage restoration company as soon as possible. If called right away, they just might be able to save you thousands of dollars. So if you are faced with a flooded home, make sure you make the right decision and call for help.

Less Stress on You

Dealing with water damage restoration can be a real nightmare. Not only is dealing with the insurance company a hassle if you try to do the job on your own, you will also find yourself in a stressful situation. This can put a huge burden on not only you but your family as well. But luckily, there is help for those going through this process. Just one phone call to a professional water damage restoration company can bring you the relief you need. They will come in, assess the situation and handle all the heavy work for you.

If you are faced with water damage due to a burst pipe or natural disaster, please make sure that you call in a professional. This will help make things less stressful and could even save you a ton of money in the long run.

Insurance Claims For Hurricane Irma In The Florida Keys

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Hurricane Irma has traversed the length of Florida and The Florida Keys sustained major damage. With an estimated 100 billion dollars in damages, Floridians are scrambling to recover quickly so that they may go back to their normal way of life. If you live between Key West and Marathon, FL it is important to move quickly with the rebuilding process. Here are a few steps you can take to streamline the process and recuperate quicker.

Alert Your Insurance & Gather Evidence

Call your insurance company and notify them that you will be submitting a claim. Giving them a heads up before submission can help you accumulate information that you may need throughout the claims process such as a deadline for submission or specific procedures that they will need you to follow. Procedures should be laid out in your policy, but speaking to a representative can help clear up any steps you are unsure on. To submit your claim you will need to document all of the damage incurred during Hurricane Irma. Take pictures and notes of the damage dealt to the property and personal belongings.

Dealing with Insurance Adjusters

After Hurricane Irma, there is a reported shortage of insurance adjusters. Insurance adjusters are being spread thin in an uphill battle to get a handle on the mass amounts of claims trying to be submitted. To this end, insurance adjusters are not always fighting for the insured to receive a fair payout from their insurance companies. This is where a public adjuster becomes not only a viable, but necessary option. By allowing a trusted public adjuster to not only fight on your behalf, but also handle the time consuming process of filing a claim, you are giving yourself your best chance at getting everything owed to you.

Experienced companies like Accredited Public Adjusters, LLC understand the verbiage of your insurance policy and will utilize that knowledge in helping you file for varying types of damages that come with a hurricane. Wind, water, flood, and tornado are all damages that can occur and need to be differentiated and documented differently.  Without the skills to do so, claims can be denied or underpaid, leaving the insured to bear the remaining costs.

Water Damage Claims & Time Sensitivity

Every homeowner should be aware of the potential damages that water can cause. Often, water damage occurs somewhere the homeowner won’t find right away, therefore, the homeowner may have no idea that damages are occurring in the first place. Water damage can be prevented, but once water damage occurs, you must know the proper procedures to take to minimize the damages.

The most important thing to remember when it comes to water damage is that you must act quickly. Acting quickly to repair the water damage is the best way to stop the water from being the source of other problems like excessive loss of property and the growth of mold. If your home ever experiences the unfortunate event of water damage, then follow these tips:

Receive Professional Help And Call Your Insurance Provider

Since water damage is a time sensitive disaster that should be attended to as soon as it happens, your first call should be to a water damage restoration company. These companies often charge through insurance providers, so your next move should be to call your insurance provider. Explain the situation, and ask the insurance company what your next move should be. Often, they’ll send out an insurance adjuster to estimate the extent of the damages. This is where the situation can get murky. Water damage claims can be tremendously expensive. Insurance companies would rather not spend this tremendous amount of money, so they attempt to a pull a fast one on homeowners that don’t know any better.

The Issue With Insurance Adjusters

Often, insurance adjusters want to make it so that the insurance provider pays out the absolute minimum for the damages your home has experienced. This absolute minimum usually leaves out important things like the contents of your home from the damages that insurance will pay for. That’s where companies like Accredited Public Adjusters, LLC come in. The benefits of allowing a public adjuster to handle your insurance claim are many. For instance, public adjusters work with your best interest in mind, and not the insurance company’s. Another benefit of hiring a public adjuster is that they have experience in getting what you’re owed by the insurance company. The terminology and know-how that most public adjusters have in their arsenal make them a must-have when dealing with any insurance claim, and specifically, an expensive water damage claim.

Property losses like water damage are stressful and emotional times for the home owner. To get the right amount of money from the insurance, these situations involve a lot of jargon, as well as time sensitive tasks and obligations. During this great time of stress, handing the claim over to a public adjuster like Accredit Public Adjusters LLC will provide you some mental relief knowing that professionals are working to get you the most amount of money possible. For a free home evaluation, call 1 (855) 968-1900

Broken Pipe Insurance Claims? Hire An Insurance Adjuster

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Have you come home after a long vacation and found your home in a mess due to a broken pipe?  Broken pipes are a very common problem that many homeowners face.  The damage caused by burst plumbing can add up rather quickly.  But dealing with the insurance company can be a nightmare.  Broken pipe insurance claims can be difficult to process on your own, so why try when you don’t have to?  Today we are going to learn how an insurance adjuster can help.

Four Reasons to Hire an Insurance Adjuster for Broken Pipe Insurance Claims

Broken pipe insurance claims can be a chore to navigate.  So getting some help is very important.  Below we will learn four good reasons why hiring a public insurance adjuster just makes practical sense.

  1. Insurance adjuster can get the ball rolling:

    Often insurance companies will drag their feet with your claim. But when they realize you have hired a public adjuster, things have a tendency to speed up. Most insurance companies will want to settle fast once they know you have a professional on the job.

  2. They have the necessary tools:

    When investigating broken pipe insurance claims, public adjusters will have the tools necessary to get the job done. Most of them will have a professional camera to take a clear picture of the damage. This will clearly document the event protecting your rights.  Having clear records is very important when filing your insurance claim.

  3. They can get you the proper settlement:

    Many times insurance companies will offer you the least amount of your claim. If you have burst water pipe, chances are you will have water damage that needs to be repaired. In order to get the maximum settlement, you should hire a professional adjuster to help you out.

  4. You will get professional advice:

    An insurance adjuster will be able to offer professional advice that you can greatly benefit from. They will be able to tell you the extent of the damage and what it will cost to repair. This can help you when it comes time get quotes from plumbing companies.

Insurance Claims Management Tips for Businesses

So, you’ve been tasked with managing an insurance claim for your business, now what? Unless you are part of a large company’s dedicated legal or insurance team, managing a business insurance claim may be new to you. While you may welcome the change of pace, you’ll soon find that dealing with insurance adjusters, contractors, inspectors, and others involved in your claim is more time-consuming than you bargained for.

Use the tips below to better manage the entire claims process:

  • Treat it like a project – Invite everyone involved to your online project or task management software so that you have a centralized repository for claim related documents as well as collaboration and scheduling tools.
  • Learn about the commercial claims process – You have a lot to learn including: your company’s business insurance coverage, insurance terminology, claims procedures, how to document damage, your company’s responsibilities, additional coverage that may apply (such as business interruption coverage), commercial construction, and more.
  • Take a proactive approach, diligently looking after your business needs – Every day your business is down translates into thousands of dollars lost. Not only that, a great deal of money is at stake in the form of hidden or unclaimed losses. Remember, you are representing your business’s best interests while your insurance claims adjuster is looking after the insurance company’s best interests. Keep this in mind at all times and provide the insurance company with the facts it needs to pay your company’s claim in full.

Finally, consider working with a public insurance adjuster rather than relying solely on your insurance company’s representative. We manage the entire claim, allowing you to focus on performing your job while we pursue the highest settlement possible.

What to Do After a Storm Damages Your Home

Every year, storms and severe weather events cause billions of dollars of property damage. Just last year, property owners in Georgia bore the brunt of numerous storms — to the tune of more than $151 million dollars. It’s devastating to realize that your home or business has been damaged, and you may not know what to do. Here are the most important steps to take right away:

  1. Do not enter your storm damaged home until authorities have determined it safe to enter.
  2. Notify your insurance company as soon as possible.
  3. Take appropriate measures to secure the home to protect it and your belongings from additional damage. Depending on the nature of the damage, this may be as simple as boarding up broken windows. You may need to hire a contractor for emergency repairs.
  4. Take photos, photos, and more photos. Go room to room, documenting everything from a variety of angles. Take close-ups of identifying tags and serial numbers to help ensure you are properly compensated.
  5. Do not throw away damaged property until your insurance company has inventoried it and authorized its disposal. This is evidence, after all. You need it to support your claim!
  6. Keep all of your receipts for expenses incurred after the loss. For example, you could be entitled to compensation for temporary living arrangements and meals — but only if you have receipts.
  7. Get organized. It’s going to be a long haul with claims forms, correspondence, estimates, inventories, and more. Get a file box, folders, labels, and other office supplies to help you keep everything neat, organized, and readily accessible.
  8. Seek professional help. Public insurance adjusters help policyholders like you settle property damage claims. Tap into our insurance claim expertise and let us handle all aspects of your claim. We work hard to ensure that you get every penny that your insurance company owes you.

Contact a public adjuster today to learn more.

Property Damage in the United States

The National Weather Service released its Natural Hazard Statistics Report for 2013 earlier this summer. In all, extreme weather events caused over $12.7 billion in property and crop damage in 2013, down significantly from 2012’s $38.7 billion. Of the $12.7 billion, property damage accounted for $8.8 billion in losses.

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Costliest Types of Property Damage

What caused the most property damage last year?

  • Tornadoes – $3.6 billion
  • Flash and river flooding – $2.2 billion
  • Thunderstorms / high winds – $1.2 billion

At a more local level, Georgia had over $151 million in property damage in 2013; Florida came in at just over $64 million; North Carolina had over $48 million in property damage while its neighbor to the south, South Carolina, received over $18 million in property damage.

What does all of this mean to you, the property owner in the southeastern United States? Severe weather events are a fact of life in the coastal Atlantic states, and we still have many weeks left in 2014. As the hurricane season winds down, we’ll soon be bracing ourselves for winter storms.

What to Do Now

We’d like to take this opportunity to remind everyone that the best time to prepare is now, before a weather event wreaks havoc on your property. Make sure to get your home ready for winter by clearing out your gutters, checking slopes for proper drainage, sealing windows and doors, inspecting storm shutters, and stocking your emergency disaster kit. We also recommend reviewing your insurance policy to ensure you have sufficient insurance (and that it keeps up with inflation).

While you’re at it, get out your smartphone and take lots of photos of your home and your belongings. Having a complete home inventory along with documented proof of your home’s pre-loss condition can save you a lot of heartache and work should your property become severely damaged.

What to Do If Your Property Becomes Damaged

Know this: You don’t have to file your insurance claim on your own. Contact us as soon as it is practical for a free consultation.

Source:

http://www.nws.noaa.gov/om/hazstats.shtml

Optimizing Commercial Insurance Claims

For those that missed several of my last poste, here you are.

Public Adjusters Can Save What Would Have Been Lost

Accredited Public Adjusters

When natural disasters strike, properties get damaged or destroyed.  Floods, fires, hail storms, broken pipes and strong winds can destroy homes and businesses.  When these unfortunate events happen you must be ready to file your claim with the insurance company.  You may need a little paint or perhaps a whole new roof, but it could be much worse.  All of your property in might need to be replaced or at a minimum cleaned or repaired.  Insurance is meant to protect us, at least that what insurance companies tell us.  We pay small monthly premiums in exchange for protection when a disaster strikes.  Do you remember signing up for insurance?  I imagine the sales people were all very nice and friendly.  They probably offered you the best deals and tried over and over again to ensure you that their company would take care of you in the event of a disaster.

Most insured’s find it is the complete opposite when you try to collect after a loss.  Insurance companies do not want to pay out what is rightfully due.  In fact, when you file a property damage claim, the insurance company automatically assigns someone to your case.  This person is called an insurance loss adjuster or a claims file examiner. I call them desk jockeys, because this person in my opinion has one function and only one function.  Making sure your claim pays out as little as possible.  Does that sound promising?  It might sound ironic, but you will need to protect yourself from the company that is supposedly protecting you.  How do you go about doing this?  Solicit the help of a public insurance adjuster.

A public adjuster is a third party contracted by you.  This person will have your best interests at heart, they will try and maximize your settlement.  If you begin thinking you can handle the claim on your own, think again.  Insurance companies and their agents have decades of experience in manipulating cases and ensuring minimal payouts.  They know all the rules and the ways in between them.  You probably are no insurance claims expert.  The good news is, public adjusters are the experts in dealing with insurance companies.  They know how to help you through all the paperwork, documentation and hassle so you won’t have to.  Your life has been filled with enough stress, dealing with disasters itself.

A public adjuster will help lower your blood pressure in this time of need.  If possible it is wise to do a small amount of preparation before disasters strike.  Collect documentation on everything you own over one hundred dollars in value.  Take pictures of your property.  After the loss, contact a public adjuster immediately so that they can begin to work on your case and submit the claim as soon as possible.  Navigate the great wide world of insurance claims alone can leave you feeling lost, abused and betrayed by your insurer.