Public Adjusters | Norcia Insurance Consultants

Prepare Your Apartment Complex Community for Winter

Posted on November 18, 2013 by Norcia Insurance Consultants

Are you the manager at an apartment complex? Then it’s important for you to know that the Farmer’s Almanac is predicting below average temperatures with a good amount of snowfall. With the mild winter we got away with last year, we’re in for some payback. Is your apartment complex prepared to handle the change in weather? In this blog, we’re going to cover some ways an Upper Midwest public adjuster can help you recover after damages.

Roof Inspection

When’s the last time the roof was inspected? If the roofs over your buildings are weakened for any reason, they could be vulnerable and collapse. If you had any water damage over the summer, now is the time to get it repaired. Built-up snow can get very heavy and cause a lot of damage. Even if your roof doesn’t break, you may experience leaking issues if there is previous damage.

Clear Pathways

Keep pathways all around the 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.

When Damage Happens

We know that even with the best-laid plans, things happen. When your apartment complex incurs damage and you need a public adjuster on your side, give us a call. We are accustomed to handling large projects. We work hard to get you the money you need to make the necessary repairs. We know you have a lot of people counting on you, so count on us to make the process go quickly and smoothly.

Are you in need of a public adjuster in the Upper Midwest? Give us a call today at 866-512-LOSS (5677) or request a free consultation online.

Insurance Claims Help: How Public Adjusters Can Assist

Posted on June 27, 2013 by Norcia Insurance Consultants

It’s always better to have plans in place sooner than later.

Ponder the following: You’re a homeowner in Minnesota, and a natural disaster strikes your home, leaving behind severe damage. You submit your claim to your insurance company, but it languishes for six months and is being increasingly worn down by your carrier.

It’s a nightmare that happens all the time. It can even be worse. What if your claim was being reassigned to several different adjusters, working on the insurance company’s side? What if, by the third or fourth adjuster, several revisions were made to the estimate, causing items to be removed from the cost?

It should never reach this point, and should have been addressed much sooner than later. When in need of insurance claims help, Minnesota residents can turn to Norcia Insurance Consultants. Here are some ways in which our experience can help to ease the process:

We know how the insurance companies work

We’ve worked on both sides of the fence, for insurance companies and for homeowners. We know how the insurance companies work and think, and we use our experience to help you get the best offer with little conflict and argument.

We work for you, not them

In the scenario above, the adjuster worked on behalf of the insurance company, and did everything possible to lower the company’s settlement to the homeowner. Norcia Insurance Consultants won’t let that happen. We do everything in our power to ensure you receive the check you deserve, so you can begin rebuilding your home.

We’re with you every step of the way

It should never be like the story above: the minute you need insurance claims help, you should get in touch with us. We’ll assist with you every aspect of the insurance claims process, and use our expertise to get you the settlement you deserve.

Don’t wait until it’s too late for insurance claims help. Call us now at 866-512-5677 or Request a Free Consultation.

5 Ways a Minnesota Public Adjuster Can Help

Posted on June 10, 2013 by Norcia Insurance Consultants

Have you been the victim of a flood, tornado or other natural disaster? Has your home or business been victim to a fire? We understand the heartache associated with any type of tragedy involving your home or business. When the world has dealt you an unfair hand, we, at Norcia Insurance Consultants, offer our hands in support. We know how difficult it can be to begin the necessary processes of recovery after a loss. We are experienced Minnesota public adjusters, with a proven track record of success and we are here to help you in interacting with your insurance company. Here are some ways we can help:

Manage Claims. Reading and understanding the technical jargon in insurance policies can be difficult and overwhelming. Trusting our Minnesota public adjusters to sift through your policy can help you to thoroughly understand it
File Claims. We will be able to file your claim for you. This benefits you in that we will be able to closely review everything, and make sure the claim is ready to be submitted. This will increase its likelihood to successfully go through.
Work for Maximum Refund. We take the time to understand your policy inside and out! We leave no stone unturned in the quest to obtain the money you deserve. We are experienced Minnesota public adjusters, skilled in getting policyholders their maximum refund, as per their policy.
Insurance Company Liaison. We will speak, on your behalf, to the insurance companies. Communicating effectively with insurance companies is a honed art we have perfected over many years.
Working for You! We work exclusively for YOU, the policyholder! We don’t work for the insurance companies at all. You can trust us to work hard on your behalf because it is in our best interest to help you succeed.

To contact your local Minnesota public adjusters, call us at 866-512-LOSS (5677) or Request a Free Consultation now!

MN Public Insurance Adjusters Need to Be Independent

Posted on March 20, 2013 by Norcia Insurance Consultants

A recent story from NBC New York caught our eye, as it details how one public insurance adjuster duped homeowners into signing bad contracts with a contractor of the adjuster’s choosing. One quote in particular stuck out:

“We hired a public adjuster which, in my family’s opinion, was the worst mistake ever,” said Chancy Marsh.

Hearing things like that makes our stomach turn, although it’s understandable why Mr. Marsh now feels that way. Read the entire story by clicking here.

When you hire a public insurance adjuster in Minnesota or anywhere else, you expect that this person will work for you in your best interests, since YOU hired them. And they should work for you, not steer you toward a contractor of they’re choosing.

While many Minnesota adjusters do have relationships with contractors, they shouldn’t push you toward the contractor they want. They need to be impartial, and understand you might have a contractor with whom you trust and wish to work. If not, they should be able to recommend different contractors, or encourage you to find your own.

One of the National Association of Public Insurance Adjusters codes of conduct is:

Members shall not acquire any interest in salvaged property or participate in any way, directly or indirectly, in the reconstruction, repair or restoration of damaged property, except with the knowledge, consent and permission of the assured.

In short, no adjuster should push toward a contractor of their choosing. If you find this is happening, look for a new adjuster. This person isn’t working in your best interests. If they are stressing a company over another, don’t be afraid to ask them why they are highly recommending them. Maybe do some research and see if there’s a connection between the contractor and the adjuster.

Looking for a Minnesota public insurance adjuster that works FOR you? Call us now at (866) 512-5677 or Click Here to Request a Free Consultation.

How Public Adjusters Can Help after a Disaster

Posted on February 27, 2013 by Norcia Insurance Consultants

Natural disasters –those unforeseen, oft described as acts of God, events that have a way of irrevocably changing life, as we know it. It might be a fire that eliminates all the pictures, family mementos or business records, a flood that destroys all it comes in contact with, or a devastating tornado that leaves you trying to determine where to turn and how to proceed. However, with insurance, you can begin to move forward.

Sadly, though, there are times that the insurance you thought would be there to help you in your time of need, doesn’t deliver. Should this occur, you will need to work with a third party insurance adjuster. Third party insurance adjusters are there to help you get the monies you need. They will prepare a comprehensive assessment of all the damage to your home, business and other assets then present your claim to the insurance company. They will work with the insurance company to ensure that you get the full amount needed to make the repairs, pay for any medical assistance, etc. that you have. A third party insurance adjuster will be there with you throughout the entire insurance claims process. They will be able to answer your questions so you can move forward as quickly as possible.

A third party insurance adjuster is also able to study your insurance policy and help determine if the types of coverage you are carrying will be enough to help you get the amount of money you would need in the event of an emergency. Most homeowners are not insurance experts and as a result, they choose a policy that would leave them severely uncovered should they be faced with a natural disaster. Talking to a third party insurance adjuster is a great way to take a proactive approach to a potential problem.

Disaster recovery can be traumatizing. You are reeling from the emotional affects, trying to grasp the financial loss involved and may even be dealing with a physical injury, so finding the energy to handle the other elements is virtually impossible. Enter the insurance adjuster. These people are specifically trained to help you pick up the pieces of what “once was” and help you begin turning it into “what it will be.” They know how to deal with an insurance company that is dragging its feet, so that you can begin moving forward again and they are there to help you each step of the way.