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Don’t Wait to File a Business Income Claim

Posted on April 15, 2020 by Norcia Insurance Consultants

There is no denying that the COVID-19 pandemic is having a major impact on businesses. Many businesses have either chosen or been forced to close based on the executive order of the Governor. If your business is closed due to COVID-19 or impacted in a negative way, we encourage you to file a claim with your insurance company. Norcia Insurance Consultants is here to assist you in completing the process and compiling your claim.

Whether your business has general insurance or business interruption protection, we can help you understand your coverage. Business interruption, or loss of income insurance, protects business revenue according to the type of coverage and coverage limits the business owner chooses. Compensation calculations can be complicated and difficult to understand, so we recommend businesses get started on the claims process as quickly as possible.

Here are the steps you will need to follow to recover from lost revenue during this unprecedented time:

Review Policy Terms

We will do a thorough review of your policy and compare what it covers against what you lost or expect to lose. We will also check to see if the policy has a time-based deductible called an elimination period.

Notify Insurer

You should notify your insurance company as soon as possible after incurring a loss. Most companies require notification within a specific time period followed by a sworn proof of loss statement, or they will invalidate your subsequent claim.

Loss Mitigation Plan

Problems with loss of business income claims often arise from providing an unrealistic or inaccurate recovery period. Insurance companies expect (and most often require) you to submit a mitigation plan that includes a time frame for recovery and outlines steps you are taking to keep losses from escalating.

Claim Form
You will need to gather financial and legal documentation and fill out the claim form according to the insurance company instructions. Claim forms also require calculations that determine lost profit and extra expenses. We have more detailed information on how to file your business income claim, but the main thing to do is get started now! Give us a call and we will help you through the process to make sure your business can recover from lost revenue and hopefully get back up and running as soon as things get back to normal.

Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation today!

How to Go From ‘Denied’ to ‘Paid’ on an Insurance Claim

Posted on February 26, 2020 by Norcia Insurance Consultants

When you’re depending on an insurance claim to pay for damages your home has tragically sustained, the last thing you want to hear from your insurance company is that your claim has been denied. While it is possible that the claim simply isn’t covered by your policy, in our experience, many denied claims should actually be paid. Here at Norcia Insurance Consultants, we are experts in insurance claims here in Minnesota and work to get homeowners what they deserve. That’s why, to help homeowners understand the process, we’ve put together some information that can help move a claim from the ‘denied’ pile to the ‘paid’ pile.

For one, there are a few reasons a claim can be denied right off the bat. A claim may be denied if damage isn’t documented well enough. This includes taking pictures and video of your property damage. You should record all evidence of the damage. It’s essential to record and keep everything. For example, if roof tiles fall off from wind damage, keep them. Just like taking pictures and video of the damage, keeping your actual damaged material provides important evidence and clues as to the cause of the damage.

And, when your insurance representative comes to the scene of the damage, be sure not to speculate or say anything that may hurt your claim. Insurance policies contain many complicated provisions that can provide or take away coverage.

And remember, once your insurance company has denied your claim they consider it a closed case. But you shouldn’t. Before you even begin the insurance claims process you should contact an insurance claim consultant like one at Norcia to help you through the process step by step. We will work for you, not the insurance company, to help you get what you’re entitled to. You won’t even need to 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, document damages, 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.

Give us a call at Norcia and we can help you every step of the way. Are you interested in learning more about help with insurance claims in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Request a Free Consultation.

Ask Your Public Adjuster: Common Insurance Claims Questions in Winter

Posted on January 17, 2020 by Norcia Insurance Consultants

As the trusted public adjuster for WI, we continue to assist area policyholders with property insurance claims after winter accidents and severe weather events. Here in Wisconsin, we can see our fair share of both and area home or business owners are often left with many questions after such an event. Roof collapses, water damage and even wind damage will be common occurrences that have many unknowns attached. That’s why, we’ve put together some of the most common questions that follow such events in order to help homeowners and businesses 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.

How can I avoid an accident at my home or business property?

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.

If my property is damaged but I’m snowed in what should I do?

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.

I had previous damage and filed a claim. If I get more damage, can I still make a claim?

Yes, each incident should be treated as a separate damage event. But you may need to show when and what was repaired from the old damage. Be sure not to give the insurance company an excuse to deny the claim.

Will my insurance pay for a hotel and living expenses if my home is uninhabitable?

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.

Are you in need of 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.

Holiday Home Safety Tips

Posted on November 25, 2019 by Norcia Insurance Consultants

The holidays are just around the corner! With all that the next few weeks will bring, the experts here at Norcia would like to discuss some of the most important safety tips to keep in mind this season. With cooking at home, indoor activities, vacations and decorations there are a few safety tips you should keep in mind to help you, your family and your home stay safe. And, in the event something does happen at your home, be sure to enlist the help of a trusted Wisconsin public adjuster to help with all of your insurance needs. But first, be sure to take these essential holiday precautions:

Tree Safety

For one, it is important to place your Christmas tree away from fireplaces and heaters, and keep a fire extinguisher nearby. Live trees are highly flammable, especially a dried-out tree. Check the water level every other day to ensure proper hydration. Starting with a green tree is one way to keep it from drying out so quickly.

Lights

When stringing lights and decorations above your normal reach, make sure you use a proper ladder with someone supporting the base.
Replace any lights with frayed wires, broken sockets and loose connections.
Don’t mount lights in a way that might damage the cords, and avoid using nails or tacks. Use hooks or insulated staples instead. And, don’t plug in too many lights to the same electrical outlet.
Turn off all lights before you go to bed and before leaving the house to avoid a short that could start an electrical fire.

Heating

A major aspect of the annual maintenance of your home heating system is to check the safety limits and burners for proper operation.

Chimney Inspection

Another area of the home that requires inspection are your wood-burning fireplace chimneys. They should be checked and cleaned of soot buildup to ensure proper air flow.

Home Security

Unfortunately, this is a common time of year for break-ins. Take the time to prepare for winter security and avoid the mess of a break-in, especially if you plan to go on vacation. If you do have a break-in, it is important to contact the authorities right away. Our public adjusters can help with the next steps.

Are you interested in learning more about how our public adjuster serving Wisconsin can help you in the event of a fire or other damages? Call Norcia Insurance Consultants at 866-512-LOSS (5677) or Schedule a Free Consultation.

How Having Professionals by Your Side Can Help Solve Insurance Claims Disputes

Posted on October 29, 2019 by Norcia Insurance Consultants

When it comes to insurance claims disputes, one of the most common questions we get is about how to know what is covered and what is not. With winter storms approaching and months spent indoors on the horizon, there can be a variety of issues that arise in the coming months. If you find yourself filing an insurance claim this fall or winter, be sure to have the professionals working by your side and on your behalf. Here at Norcia Insurance Consultants, we are the experts in insurance claims disputes for Green Bay and can help with any problems that come from filing an insurance claim. We can file a dispute or claim for you and even handle the paperwork and speak directly with your insurance company. An insurance dispute is a disagreement that arises about the amount due, the amount a company is willing to pay on a claim, or the nonpayment of a claim. Want to learn more about how we can help with all of your insurance claims disputes? Read on!

So, what should you do in the case of insurance claims disputes? First, know your rights. The professionals at Norcia know all of the laws that dictate what insurance companies can and cannot do when it comes to bill collecting, settling claims and similar matters. Each state is a little different, but most states mandate that an insurance company cannot misrepresent your policy, they cannot use the appeal process to force their policyholders to settle for less than they are due and a company must acknowledge and process a claim promptly. Insurance companies cannot ask you for unnecessary forms in order to delay the process and a company must have a good reason to deny a claim and many more. Not sure if your insurance company is violating any of these? The experts at Norcia can help solve insurance claims disputes like these and more.

When you call Norcia Insurance Consultants, we 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.

When you have the professionals by your side, your chances of resolving your insurance disputes are raised. Our job is to get you the full amount of insurance money you are entitled to. We will evaluate the damage, take pictures and video, analyze your insurance policy and to figure out how much money you should receive.

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