Category Archives: Insurance Claims

Home insurance provides crucial protection for your property and belongings, yet misunderstandings and myths about filing claims often prevent homeowners from receiving the full benefits they’re entitled to. At Norcia Insurance Consultants, we’re here to dispel some of the most common myths about home insurance claims. Knowing the truth can help you approach the claims process more confidently and avoid costly mistakes. When you need home insurance claims help in the Twin Cities area, don’t hesitate to give us a call.

Myth #1: “If I File a Claim, My Premium Will Automatically Go Up”

One of the biggest fears homeowners have is that filing a claim will result in an automatic premium increase. However, the reality is more complex. Insurance companies consider several factors before raising premiums, including the number of claims filed and the severity of each incident. A single claim for minor damage might not affect your premium at all, but a pattern of multiple claims could.

Additionally, each insurance company has its own policies regarding premium adjustments, which can vary by region, claim type and the overall risk assessment of your property. Consulting with an insurance expert before filing can help clarify potential premium impacts.

Myth #2: “All My Belongings Are Automatically Covered”

While it’s true that home insurance policies cover many types of personal property, limits and exclusions apply. High-value items, such as jewelry, art or electronics, may have coverage caps unless you purchase additional riders. For example, a standard home insurance policy might only cover a few thousand dollars for jewelry, so if you own more than that, you would need extra coverage.

It’s crucial to review your policy’s fine print to ensure your valuable items are adequately protected. Norcia Insurance Consultants can help you determine if you need additional riders for high-value possessions.

Myth #3: “Small Claims Aren’t Worth Filing”

Some homeowners believe that minor damage is not worth reporting, thinking it will save them time or avoid the risk of a premium increase. However, whether to file a small claim should be based on factors such as the policy’s deductible and the nature of the damage. For example, if the cost of repairs is only slightly above your deductible, it might make sense to cover the cost yourself. But if the damage is recurring or could lead to larger issues down the line, filing a claim now could help prevent more expensive repairs later.

Discussing these scenarios with an insurance consultant can help you make an informed decision.

Myth #4: “I Don’t Need to Document the Damage – My Insurer Will Handle It”

A surprising number of homeowners believe they can skip documentation and let the insurance company manage it all. In reality, thorough documentation is crucial for a successful claim. Taking clear photos and videos, keeping records of repair estimates, and creating a detailed list of lost or damaged items will support your claim and can expedite the approval process.

Insurers rely on documentation to assess the validity of claims, so the more evidence you provide, the easier it will be for them to process your claim accurately.

Myth #5: “Flood Damage is Covered by My Home Insurance”

Standard home insurance policies typically don’t cover flood damage. Many homeowners are shocked to learn this only after experiencing water damage. If you live in an area prone to flooding, you’ll need a separate flood insurance policy to protect your property against flood-related losses.

Knowing what perils your policy covers and which ones require separate insurance is essential for comprehensive protection.

Myth #6: “My Insurance Will Cover the Full Replacement Cost of My Home”

While some policies do cover the full replacement cost of your home, many only provide coverage for the home’s market value or actual cash value, which includes depreciation. This distinction is essential: if your policy only covers the actual cash value, you might receive less than you need to rebuild your home to its previous condition.

To ensure you’re covered for the full cost of rebuilding, consider an insurance plan that includes replacement cost coverage.

Partner with Norcia Insurance Consultants for Accurate Information and Assistance

Avoiding these common myths can make a big difference when it’s time to file a claim. At Norcia Insurance Consultants, we’re committed to helping our clients understand their home insurance policies and make informed decisions that protect their financial well-being. By debunking these misconceptions, we hope to empower you to approach the claims process with confidence and knowledge.

If you have questions about your home insurance policy or the claims process, reach out to our team. We’re here to provide the clarity and support you need to protect your home and belongings effectively. Call us at 866-512-LOSS (5677) or request a free consultation!

When disaster strikes and your home suffers damage, navigating the intricacies of filing a home insurance claim can be daunting. In such challenging times, seeking professional home insurance claims assistance in Green Bay can make a significant difference in the outcome of your claim. At Norcia Insurance Consultants, we are proud to serve homeowners throughout the Twin Cities area to help them get the outcome they deserve from every home insurance claim.

Let’s delve into the invaluable benefits of enlisting the expertise of professionals in this field.

First and foremost, professional home insurance claims assistance providers bring a wealth of experience and expertise to the table. These professionals are well-versed in insurance policies, regulations and claim procedures. They understand the nuances of different types of claims, whether it’s for damage caused by natural disasters, fire, water leaks or other perils. With their knowledge, they can guide you through the entire claims process, ensuring that you understand your rights and entitlements under your policy.

Moreover, professional claims assistance can save you time and alleviate stress during a challenging period. Filing a home insurance claim involves a multitude of tasks, from documenting damages to communicating with insurance adjusters and contractors. By entrusting these responsibilities to professionals, you can focus on rebuilding and restoring your home while they handle the intricate details of your claim.

One of the key benefits of professional assistance is their ability to maximize your insurance settlement. These experts thoroughly assess the extent of damage to your property and compile comprehensive documentation to support your claim. They know how to present your case effectively to the insurance company, ensuring that you receive fair compensation for your losses. Whether it’s negotiating with adjusters or appealing a denied claim, they have the skills and tenacity to advocate on your behalf.

Furthermore, professional claims assistance providers offer personalized support tailored to your specific needs. They understand that every claim is unique, and they work closely with you to develop a customized strategy for achieving the best possible outcome. Whether you’re facing challenges with coverage limitations, policy exclusions or complex claim issues, they provide guidance and solutions to overcome obstacles.

Importantly, hiring a professional claims advocate can level the playing field between you and your insurance company. Insurance companies have adjusters and legal teams working on their behalf to minimize claim payouts. By having your own advocate in your corner, you gain a strong ally who fights for your best interests and ensures that you’re not shortchanged by the insurance company.

If you need home insurance claims assistance in Green Bay or rest of Wisconsin, we are here to help. Choose Norcia Insurance Consultants. Call us at 866-512-LOSS (5677) or request a free consultation!

Whether this winter brings sub-zero temperatures, multiple feet of snow or all of the above, winter-induced home damage can sometimes be unavoidable. But sufficient insurance coverage may cover even the most bitter disaster. It is important to get what you are owed in the event of a winter disaster and the professionals at Norcia Insurance Consultants are here to help. We are the trusted name in insurance claims for MN and can work on your behalf to help get what you are entitled to. Here are a few of the most common types of winter-related home damage plus how you can prevent them. 

Ice Dams

Last month we covered ice dams and how to prevent them. They are a major problem in the winter and can lead to mold and leakage. An “ice dam” forms on a roof when snow melts and refreezes near the gutters or roof edges. When the ice begins to melt again, the water can seep under roof shingles. the subsequent icicles hanging from your roof might be enchanting, but a heavy icicle could rip off a gutter.

Have a professional inspect your roof to see if solutions like heat cables and rubberized shingles can keep ice dams from forming in the first place. You should also keep all gutters clear of debris so melted snow can drain properly.

Fallen Branches

It may not be the first you think of when it comes to winter hazards, but tree branches cause a major threat especially following an ice or snowstorm. If an icy branch does fall, your insurance policy’s dwelling coverage should cover necessary repairs to the home, while your other structures coverage will pay for things like a damaged fence or shed.

Burst Pipes

A more obvious winter home disaster, frozen pipes can burst and cause accidental water damage, which can be expensive to repair. Make sure you do what you can to prevent any frozen pipes, but if water damage does occur, homeowners need to take action to mitigate further damage, like turning off the water valve.

Fires

Fireplaces, space heaters and other forms of electricity make house fires one of the most common causes of winter insurance claims. Be sure to do everything you can to prevent fires this winter. And if a fire does occur, make sure you get the help you need. 

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