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Tips for Filing an Insurance Claim During the Holiday Season

Posted on October 28, 2021 by Norcia Insurance Consultants

The holidays are coming. In fact, Thanksgiving is just one month away. While you may be prepared for fun and festivities, you may not be prepared for the worst. With many people traveling, shopping and decorating over the holiday season, there is a higher risk of home burglaries, property loss and damage than the rest of the year. During this busy season, insurance companies have more to contend with, which makes filing a claim all the more difficult. To successfully file a claim in the event of a holiday emergency, our experts in insurance claims management for MN have put together these simple tips.

wood stove with fire burning inside and logs underneath

1. Contact the authorities first. Whether you experience storm damage or need to make a crime-related claim, always make sure everyone is safe first and contact the police, ambulance or fire department if necessary. They also begin the investigative process necessary to prove your claim with the insurance company.

2. Once you’ve ensured everyone’s safety, it’s time to call the experts at Norcia Insurance Consultants. We will be able to walk you through every step in the insurance claim process. Even if you are unsure whether the damage warrants an insurance claim, we can get you the help you need to get started. Even if a claim is fairly minor, like a cracked or broken window that won’t exceed your annual deductible, you should still report that damage.

3. Always keep track of everything pertaining to your insurance claim. This is where good insurance claims management comes in. It is important to keep a record of all interactions with local authorities, insurance agents and repair companies. This can help you make a better case when filing and protect you against unfair claims handling practices by your insurance company. Insurance companies are the busiest around this time of the year, making them more likely to make mistakes and cut corners on your claim. Our experts at Norcia can handle all of this for you.

4. Always seek assistance from an insurance claims management professional. Filing an insurance claim during the holidays has several challenges. Insurance companies are likely to decline more cases to ease their workload, but this can negatively affect policyholders. For the best protection of your rights, schedule an insurance dispute consultation.

Don’t contact your insurance company to file insurance claims directly. With assistance from the experts at Norcia, we can take care of this for you. 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 contracts to help you understand them.

For insurance claims management in MN, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Insurance Claims Disputes & Questions

Posted on September 3, 2021 by Norcia Insurance Consultants

This summer’s weather has been unpredictable to say the least with high temperatures, flooding and other not-so-mild weather activity. And, this fall and winter are shaping up to be much of the same. Weather events can wreak havoc on your home and property. When a storm hits and causes damage, it can be a stressful and upsetting time and you may not know what to do or where to begin. That’s why the experts at Norcia are here to answer all of your questions about your insurance claim and property. And, when insurance claims disputes arise in MN, we are the experts to call. When it comes to weather, insurance, and the home, there can be a lot of unanswered questions especially in the event of a denied claim. That’s where we come in. Our insurance claims experts will work for you and not the insurance company, working to get you what you are entitled to.

In our work over the years, we have heard from many people who have questions and are in need of help with their insurance claims. We are here to provide assistance. We’ve put together answers to some of the most common insurance claims questions for your reference. And remember, if you find yourself with insurance claims disputes, don’t hesitate to call the professionals at Norcia Insurance Consultants.

What is the first thing I should do after my home’s been damaged?

First, make sure everyone is safe. Once you’ve ensured everyone’s safety, contact your insurance agent or your insurance claims adjuster for instructions on what to do until they arrive. You can begin preparing an inventory of personal property damaged and take pictures of any damage to the property. Our insurance claims professionals from Norcia can do all of this for you as well.

If possible, find temporary shelter either with family or friends. Or, rent temporary shelter. If your home is uninhabitable because of physical damage, most homeowners’ policies will pay additional living expenses while your property is being repaired.

My home was damaged in a flood, is that covered?

Unfortunately, chances are, your policy does not cover flood damage. Most policies cover damage from falling water or rain blown by the wind, but not from rising water or flooding. In many cases, homeowners must have a separate or additional flood policy that covers rising water or flooding.

Why is the settlement lower than expected?

Ask for clarification. If it cites an exclusion or other specific language in your policy, ask it to point out the section. Or, call the professionals at Norcia and we can help settle any insurance claims disputes.

Do you need help with insurance claims disputes in MN? For more information on insurance claims help, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.

Important Summer Safety Tips from an Insurance Adjuster

Posted on June 18, 2021 by Norcia Insurance Consultants

All over the country, temperatures are rising. With summer just setting in, there are many hot weather hazards ahead of us. So as the trusted insurance adjuster for WI, we thought we would put together a list of some summer safety tips to help local residents stay safe all season long.

During the hot summer months, multiple appliances can be plugged in at a time. Additional strain from AC units can potentially cause outages, blackouts and even shorts. More appliances combined with soaring temperatures increases the chance for a short circuit, thus creating the danger of a house fire. Limit appliance use and make sure your circuit breaker is able to handle the extra strain.

Speaking of appliances, is your air conditioner safe to use? We all use air conditioners to help keep temperatures tolerable indoors. However, many units are either dirty or not up to date. This not only causes poor air quality but high energy costs and fire hazards as well. While your air conditioning many have already been running for a few weeks now, it’s still important to make sure your AC is cleaned or serviced to ensure safety. With an inspection you can ensure the electrical elements are safe to use and that your filters are replaced often.

This time of year, summer rains can also pose a big problem, causing flooded basements and damaged appliances. Floods can cause a lot of damage so keep your eye on the weather and make sure your home, including the roof and basement is prepared for heavy rains and that you have proper flood insurance.

Careless grilling or fire burning is something else to be avoided. Before you start cooking or burning wood outside, remember never step away from the fire, to check your gas tank for hose leaks, blockages and holes and if using a charcoal grill, wait for the coals to cool completely before disposing of it.

These are just a few of the important summer safety tips to keep in mind. In the unfortunate event that something does occur, call a public adjuster for assistance. Our public adjusters can help take away a lot of the stress you are experiencing. If one of these events were to occur and you need to make a claim with your insurance company, we can help you deal with the legwork associated with filing a claim.

Ready to learn more about how our insurance adjuster in WI can help you in the event of damages this summer? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

Public Insurance Claim Assistance: What Your Insurance Does & Does Not Cover

Posted on May 17, 2021 by Norcia Insurance Consultants

Are you prepared for summer storms and severe weather? In the event of a natural disaster or fire, are you well-informed on what your insurance will cover? This is the first step to being prepared. After all, knowledge is power when it comes to preparation. 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.

public insurance claims assistance twin cities

Were you aware that not all natural disasters are covered by homeowner’s 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. 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.

Some homeowner’s 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.

When you need help from professional, experienced insurance consultants, do not hesitate to give us a call, we are here to help! For 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

Insurance Claims Disputes & Storm Damage

Posted on April 30, 2021 by Norcia Insurance Consultants

The weather is warming and summer is just weeks away. And with warming temperatures also come damaging storms. While most homeowners have insurance that will cover any severe weather damages, insurance claims disputes can still arise. Insurance companies can and do occasionally deny legitimate claims. That’s where we come in. The experts at Norcia Insurance Consultants can help you resolve such insurance claims disputes and work to get you what you deserve. We have years of experience helping Wisconsin homeowners with insurance claims disputes and can help you when you need it most.

First of all, when a storm damages your home, don’t contact your insurance company to file insurance claims directly. Give us a call from the very beginning. With assistance from the experts at Norcia, we can take care of this for you. 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 contracts to help you understand them. This can help keep insurance claims disputes from ever even coming up.

We will be able to walk you through every step in the insurance claim process. Even if you are unsure whether the damage warrants an insurance claim, we can get you the help you need to get you started. Even if a claim is fairly minor, like a cracked or broken window that won’t exceed your annual deductible, you should still report that damage.

If you’ve already filed your claim and received a response you do not agree with from your insurance company, we 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.

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, our insurance claims disputes experts can help with the paperwork, timing and everything in between.

Need help with any insurance claims disputes involving your Wisconsin home or business? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or you can contact us to set up your Free Consultation.