Public Adjusters | Norcia Insurance Consultants

Need Insurance Claims Help? Here is What You Should Avoid

Posted on April 30, 2015 by Norcia Insurance Consultants

When your home or property has sustained damage thanks to a severe weather event or a similar situation, you might need to hire a public adjuster for insurance claims help. MN residents have trusted the experts at Norcia Insurance Consultants for years. So how do you know if the public adjuster you are thinking about hiring is legit? Here are a few red flags to look out for. And remember that you can save yourself time and hassle when you call Norcia Insurance Consultants for insurance claims help!

The first red flag you should keep an eye out for is if the public adjuster asks for payment up front or before you receive your insurance check. Regulations about how much your public adjuster can charge you for insurance claims help vary from state to state, so you should do some research first to see just how much you can be charged for these services.

Another warning sign that your public adjuster is not fully on the up and up is if the adjuster insists that you use a specific restoration company or contractors. In some states, a public adjuster has to disclose up front that he or she is receiving a financial incentive from a restoration company or contractor and in other states, receiving any financial incentive is totally illegal. Again, do your research before you hire anyone for insurance claims help.

One more thing to look out for is a public adjuster that cannot give you any references or testimonials. A public adjuster should be able to give you this information to offer you further peace of mind that his or her insurance claims help is fully legit and that he or she has helped others like you during the insurance claims process. By the same token, if your public adjuster promises you a set amount of money before he or she reviews your policy or the facts of your case, that is another good sign that you should look elsewhere for insurance claims help.

Finally, yet another red flag is if the public adjuster approaches you about damages to your home or property that you didn’t even notice. So public adjusters will reach out to you if they know your home or property has sustained some type of damage, but if the damage is so small that you didn’t even notice it, that is not a good thing. Public adjusters usually only offer insurance claims help for large and catastrophic losses.

So when you need reliable and professional insurance claims help in MN, call Norcia Insurance Consultants at 1-866-512-LOSS (5677) or you can contact us to Request a Free Consultation.

The Importance of a Public Insurance Adjuster

Posted on March 30, 2015 by Norcia Insurance Consultants

As a public insurance adjuster in Minnesota, we understand firsthand just how important our jobs are to homeowners. We are their advocates, and we always work hard to make sure homeowners like you get the full amount of compensation from their insurance companies after a tragedy strikes. Here are a few reasons an insurance adjuster can be an asset to you if you need to file a claim with your insurance company.

First of all, we can help take a lot of the stress you are probably feeling off of your plate. When something happens to your home and you need to make a claim with your insurance company, that can add a lot of undue stress onto your pile. So an insurance adjuster like us can handle all of the legwork that is associated with filing a claim. That frees you up to deal with other aspects of a tragedy: dealing with the emotional implications, being there for your family and taking care of the other, more important things in your life.

A public insurance adjuster is also there to help you understand the ins and outs of insurance claims. If you have never been down this path before, or even if you have, the insurance world can be confusing and a bit overwhelming at times. A public insurance adjuster like us can come to your home and explain to you what is going on and clarify aspects of the paperwork and contracts that you might otherwise have a hard time understanding.

Finally, a public insurance adjuster is your advocate. We are here to make sure you get the full amount of the insurance compensation that is due to you as per your insurance policy. As mentioned, the insurance world can be a bit murky. Public insurance adjusters are here to clear things up for you. We are here to advocate on your behalf so you do not have to stress out or worry about how much money your insurance company is going to pay out.

A public insurance adjuster is 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.

Do you need a public insurance adjuster in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us and set up a Free Consultation.

How to Hire a Public Adjuster

Posted on January 20, 2015 by Norcia Insurance Consultants

There are many different public adjusters in Minnesota, and when you need a public adjuster, finding the best one can be tricky. We are one of the best public adjusters in Minnesota and Wisconsin, and we have a few suggestions on what to look for when you need one.

First of all, there are a few things you should know about public adjusters. The most important thing to know is that they work for the insurance policyholder (you) and not the insurance company. This means they have your best interests at heart and will work on your behalf to ensure you get all of the money you are entitled to when you file an insurance claim. Public adjusters will listen to your story, assess the damage to your home and property and work with you and the insurance company to make sure you get a fair pay-out.

Public adjusters should have some experience in the type of insurance claim you are filing. You should ask about any successful outcomes they have had in the past and try to get some details about what happened. If possible, ask for a list of references to learn about the public adjuster from someone who has worked with him or her before.

Public adjusters should also be easy to get into contact with. If you have a question or if something comes up, you want to be able to reach your adjuster with little difficulty. Even if you only get an office number and an email address, those are two great ways to contact your public adjuster when you need to.

Of course, if you contact Norcia Insurance Consultants, you will not have to worry that you did not hire the right public adjusters. We have an excellent reputation in the areas we serve, and we strive to get you the highest insurance settlement you are entitled to. After all, when a disaster strikes, the last thing you want to worry about is whether or not your insurance company will pay out what they promise.

Do you want more information on public adjusters in Minnesota? Call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can request a Free Consultation.

Common Insurance Terms

Posted on August 18, 2014 by Norcia Insurance Consultants

As insurance claims adjusters serving the Twin Cities, we realize that sometimes the insurance world lingo can be a bit confusing. Having some knowledge of what certain terms mean can be a big help when navigating the often baffling world of insurance and insurance claims adjusters. So we thought we would take the time to define some of the most commonly used terms.

Accident: An event that is unforeseen and unintended.

Adjuster: There are two kinds of adjusters. There is an insurance company adjuster, who works for the insurance company. There is a public insurance adjuster, who works independently of an insurance company and is usually hired by the claimant.

Claimant: The person making the insurance claim.

Contract: The agreement between the insurance company and the policyholder. Another name for this is “insurance policy.”

Deductible: This is the amount of money the policyholder must pay before the insurance company will pay out.

Independent adjuster: This is a person who charges the insurance company a specified fee to adjust the insurance company’s claim.

Loss: This is the amount of money an insurance company will pay on a claim.

Market value: The current amount that your house is worth. This also includes the price of the land you own.

Peril: This is a specific risk covered by an insurance policy for properties. Examples include flood, fire, theft or windstorm.

Policy owner: This is the person who owns the policy. Usually it is the person who is paying the premiums and is the only person who is allowed to make changes to the policy.

Premium: The amount the insured person pays to the insurance company to get or maintain an insurance policy.

For more information on insurance claims adjusters in the Twin Cities, call Norcia Insurance Consultants at 1-866-512-LOSS (5677) or contact us for a Free Consultation.

All content provided on this “Norcia Insurance Consultants” blog is for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.

Public Insurance Adjuster & Insurance Company Adjuster: Do You Know the Difference?

Posted on April 4, 2014 by Norcia Insurance Consultants

If your home or business has been heavily damaged from a storm, fire or other types of disaster, you’ll need to file an insurance claim. But do you really know how the whole process works? It’s probably one of those things that you don’t look into until you need to. For those living or working in Minneapolis, public insurance adjusters can give you the confidence to get the money you deserve.

Insurance Company Adjusters

Insurance company adjusters work for your insurance company. They are sent out on behalf of the company to assess the damage to your property. After they look into your case, they provide an evaluation to your insurance company. Based on what the adjuster says, the insurance company will dole out a settlement. This type of adjuster works for the insurance company and has to work within the set rules and guidelines provided by the company.

Public Insurance Adjusters

Public insurance adjusters work independently from any insurance companies. They will also come out and do an inspection of the damage. From there, they will draw up a realistic estimate for what the repairs should cost. They work on behalf of you, the policyholder, not an insurance company. This is beneficial because sometimes the insurance companies will only agree to pay out the minimum amount of money unless you have proof otherwise. A public insurance adjuster fights to get you the money you deserve.

While a visit from your insurance company’s adjuster may be necessary, it’s good to have a public insurance adjuster in your back pocket. Having a professional on your side can help lighten the financial burden after tragedy strikes.

Are you looking for a public insurance adjuster near Minneapolis? Contact Norcia Insurance Consultants today by calling 866-512-5677 (LOSS) or Contact us Here.