Maryland residents will face some major weather changes again causing freezing temperatures to take a major tole on properties, residential and commercial. Many types of damage they could face are power outages, freezing pipes, flood damage, ruined carpets from water damage, roof damage from ice dams. Knowing your insurance policy is crucial when dealing with these types of insurance claims.A public adjuster is a licensed and bonded claims expert. We are highly knowledgeable in property damage, insurance policies, and negotiating and settling insurance claims. When a disaster occurs such as freezing pipes after recent storms and freezing temperatures, you need to be prepared for a battle. Insurance companies are there to protect their best interests, make sure your protect yours. Hire a public adjuster today to assist you with your frozen pipe or water damage.
[middlerepresent]What we do for you:
- Document Property and Contents Damage
- Maximize your insurance claim and minimize your stress
- Negotiate the insurance claim for necessary repairs or replacement for the loss
- Provide detailed estimates for the loss
- Reopen denials and ensure proper reimbursement
- Residential and Commercial Claims
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A two-mile wide supercell storm released a tornado in Shawnee, Oklahoma just outside Oklahoma City today ripping roofs off buildings, leveling homes and leaving massive destruction. At least one school was in the tornado’s devastation zone in Moore, Oklahoma. The tornado was estimated to be at least two miles wide at one point as it moved through Moore, Oklahoma suggesting the possibility of more than 171,000 people in the path of the storm. The National Weather Service said the tornado was on the ground for nearly 40 minutes, with the first tornado warning coming 16 minutes before it touched down. The preliminary damage rating on the enhanced fujita scale was EF4 — the second most-powerful type of twister — and carved a 20-mile path through Newcastle, Moore and South Oklahoma City.
The severe weather came after tornadoes and powerful storms ripped through Oklahoma and the Midwest earlier Sunday evening into early Monday morning, leveling homes in or near Carney, Bethel Acres and Norman, overturning damaging roofs and trees in southeast Edmond. Gov. Mary Fallin declared a state of emergency for 16 counties, noting initial reports of damage in numerous communities including Bethel Acres, Carney, Edmond, Little Axe, Norman, Shawnee and Wellston.
If you are in one of the cities or counties that have experienced damage. It is important to act immediately to ensure that you get fully reimbursed for your loss. When devastation hits, All American Public Adjusters works for you to maximize your insurance claim and minimize your stress. A team of trained professionals will handle the entire claim process for you.
[middlerepresent] [footer1]- Published in Featured, Public Adjuster
Missouri Fire Insurance: How does it work?
The most devastating damage that occurs to homeowners a part from a natural disaster is fire damage. Due to the nature of fire property damage, in most occurrences, homeowners find their belongings destroyed and their home unlivable. Beyond the damage caused by the fire itself, both the smell of smoke and the soot residue are difficult if not impossible to mitigate.
No one expects this type of devastation to come to their front door, and it is important to know what to expect in the State of Missouri during a fire insurance claim as well as know the options that homeowners have when fire damage occurs.
Missouri Insurance and Fire Damage
All homeowner policies cover loss by fire and most common perils such as windstorm, hail, and vandalism. Most policies pay for three types of damage: 1) dwelling loss (damage to the house); 2) personal property loss (damage to your household contents); and 3) additional living expenses (the cost of living elsewhere while your home is being repaired).
The Process
If fire damage occurs, after contacting the fire department, contact your insurance agent immediately to initiate the . Make sure you take notes: Get the name of the person that you talk to, the claim number, and the adjuster’s name, and find out when the adjuster will contact you. If you get a recording, make a note of the day and time that you left a message.
Hire a Professional
A Public Adjuster, as stated by the Missouri Department of Insurance, is“a state-licensed individual who represents homeowners in claims negotiations with their insurance companies.” In other words, a Public Adjuster (PA) is an insurance claims expert who works on behalf of the homeowner to handle the claim process and ensure that the homeowner is reimbursed properly. Fire claims can be stressful and complicated. Public adjusters are trained to prepare dwelling damage repair estimates and to value damaged personal property. They are generally knowledgeable about the coverages provided by a typical insurance policy, although they cannot offer legal advice. Hiring a professional will not cost you any extra! In fact, when you hire a PA, you will receive more money that can be applied to your valuable investment, your home.They generally work on a contingent fee basis, that is, for a percentage of the amount recovered.
Why Hire All American Public Adjusters to Handle your Fire Claim?
At All American Public Adjusters, you are our client and your interests come first. Our expertise in managing claims will free you from the emotional and time consuming struggles with the insurance company. We know what to look for, how to talk the insurance language, and how to get results. Best of all you pay us nothing until your claim is completely settled. Our fees are on a percentage basis from the settlement, not out of your pocket.
We work hard to earn your trust, resolve your claim quickly, and to become a friend you can always count on.
While the most common and obvious damage that occurred during Hurricane Sandy is wind and flood damage, many home owners found their homes burned to the ground or damaged immensely by fire and soot after Sandy shook a neighborhood in Breezy Point. A devastating fire on the Rockaway Peninsula engulfed over 100 homes causing overwhelming fire damage and loss. Due to the fire damage and soot, many homeowners were unable to salvage their homes and or belongings.
Most homeowners are relying on their insurance companies to provide the funds to make their homes livable again. Because of the devastation many homeowners have been waiting for months on their insurance company and are losing hope and considering their home and investment lost.
During this time of devastation, many homeowners found the help of local Breezy
Point public adjusters to assist them in handling the claim process. Having a
professional claim consultant who understands the insurance claim process and
various coverages has helped homeowners regain hope in the midst of calamity.
Public adjusters are trained professionals who take the insurance claim process out
of the homeowner’s hands and help expedite the process ensuring homeowners
redeem what was lost.
Hurricane Sandy: Fire, Wind and Flood Damage Claims, the after effects.
Hurricane Sandy devastated New York like no other natural disaster in the past 30 years from flood water rising. The losses of homes and cars was astronomical and New York was not ready. Lives changed, people changed, New York changed. Many people lost their homes and worse yet, some even lost their lives.
The city and the infrastructure were not prepared for flooding, even the insurance companies were not prepared. Power went out, heat went out, stores were looted wind damage caused roofs to blow off lives were lost due to major flooding. In this what seemed to be New York’s darkest hour, the one thing that was not lost was the spirit of the people themselves.
Gas was no where to be found due to power failure, and the few gas stations that were able to get their deliveries had lines up to 10 blocks long and people waiting in lines at stations that they thought may get gas in the next day or so.
People got together and helped with the Flood damage, Water damage, the Wind damage and whatever other types of damage there was. They gave each other helping hands by cleaning out peoples homes, sharing food, giving out essential supplies and coming together like only New Yorkers can in a time of need.
Many people had no knowledge or experience in dealing with insurance claims and turned to Public Adjusters to battle the insurance companies, the same insurance companies who were not prepared to handle a natural disaster of this magnitude. Insurance companies themselves turned to public adjusters from outside New York state to go out and see the devastated homes and other carnage that hurricane Sandy had wrought. With the unparalleled devastation that Sandy brought with her came the largest amount of insurance claims that insurance companies have seen since hurricane Katrina and they were shown to be lacking in not only staff but also in compassion.
Many insurance claims were underpaid if not totally denied because most people do not know their insurance policies and it is easier for an insurance company to deny a claim then to pay it and hurt their bottom line. Fortunately New Yorkers are an intelligent and resilient lot, they learned how to survive and move on, they hired public adjusters for their unpaid and underpaid claims and did the best they could until the money started to come in. Unpaid insurance claims due to flood water into paid insurance claims, underpaid insurance claims turned into well paid insurance claims and people started to fix the flood damage homes, water damage, wind damage and what ever other types of damage was caused by hurricane Sandy.
Insurance claims rose from and insurance adjuster were sent to deal with flood damage and water damage claim thru out 5 boroughs. Hurricane sandy brought total devastion to brooklyn, staten island, long island and queens. Neighborhoods were lost, much of Breezy Point in Queens burned down, Seagate in Brooklyn was submerged, Manhattan Beach in Brooklyn was underwater, South Shore of Staten Island used life boats to get people and pets out of their homes and to safety and long island.
Much like the time after the twin tower tragedy New Yorkers came together like only they can. They got back on their feet, they weathered the storm, they will rebuild and Brooklyn, Staten Island, Queens, Manhattan and the Bronx will be better then it was before hurricane Sandy because once more we proved that we will heal and we will move on.
[representyouinsurancepolicies] [footer1]- Published in Featured
Hurricane Sandy devastated New York like no other natural disaster in the past 30 years from flood water rising. The losses of homes and cars was astronomical and New York was not ready. Lives changed, people changed, New York changed. Many people lost their homes and worse yet, some even lost their lives.
The city and the infrastructure were not prepared for flooding, even the insurance companies were not prepared. Power went out, heat went out, stores were looted wind damage caused roofs to blow off lives were lost due to major flooding. In this what seemed to be New York’s darkest hour, the one thing that was not lost was the spirit of the people themselves.
Gas was no where to be found due to power failure, and the few gas stations that were able to get their deliveries had lines up to 10 blocks long and people waiting in lines at stations that they thought may get gas in the next day or so.
People got together and helped with the Flood damage, Water damage, the Wind damage and whatever other types of damage there was. They gave each other helping hands by cleaning out peoples homes, sharing food, giving out essential supplies and coming together like only New Yorkers can in a time of need.
Many people had no knowledge or experience in dealing with insurance claims and turned to Public Adjusters to battle the insurance companies, the same insurance companies who were not prepared to handle a natural disaster of this magnitude. Insurance companies themselves turned to public adjusters from outside New York state to go out and see the devastated homes and other carnage that hurricane Sandy had wrought. With the unparalleled devastation that Sandy brought with her came the largest amount of insurance claims that insurance companies have seen since hurricane Katrina and they were shown to be lacking in not only staff but also in compassion. Many insurance claims were underpaid if not totally because most people do not know their insurance policies and it is easier for an insurance company to deny a claim then to pay it and hurt their bottom line. Fortunately New Yorkers are an intelligent and resilient lot, they learned how to survive and move on, they hired public adjusters for their unpaid and underpaid claims and did the best they could until the money started to come in. Unpaid insurance claims due to flood water into paid insurance claims, underpaid insurance claims turned into well paid insurance claims and people started to fix the flood damage homes, water damage, wind damage and what ever other types of damage was caused by hurricane Sandy.Insurance claims rose from and insurance adjuster were sent to deal with flood damage and water damage claim thru out 5 boroughs. Hurricane sandy brought total devastion to brooklyn, staten island, long island and queens.
Neighborhoods were lost, much of Breezy Point in Queens burned down, Seagate in Brooklyn was submerged, Manhattan Beach in Brooklyn was underwater, South Shore of Staten Island used life boats to get people and pets out of their homes and to safety and long island. Much like the time after the twin tower tragedy New Yorkers came together like only they can. They got back on their feet, they weathered the storm, they will rebuild and Brooklyn, Staten Island, Queens, Manhattan and the Bronx will be better then it was before hurricane Sandy because once more we proved that we will heal and we will move on.
[representyouinsurancepolicies] [footer1]- Published in Featured
Hurricane Sandy, the after effects.
- Published in Featured
On a daily basis, families witness the types of horror and damage that a house fire affects. Unfortunately, many people do not understand or realize the true nature of fire and what it can do. Every year more than 4,000 Americans die and approximately 20,000 people are injured in fires. If more people were aware of how to prevent fires, less and less incidents would occur.
According to the National Fire Protection Association (NFPA), there are a few simple facts that homeowners should know in order to reduce fire deaths:
Fire is FAST! (There is little time!)
Most fires occur in homes where people are usually asleep. If you happen to wake up to a fire, you have very little time to take valuables because fire spreads very quickly, and the smoke from the fire is extremely thick. In 30 seconds or less, a small flame can become completely out of control and turn into a major fire. The only time you have is to escape! Don’t focus on your belongings; focus on you and your family arriving safely out of the house.
Fire is HOT! (Heat from a fire is more dangerous than flames.)
When a fire hits a room, temperatures can be 100 degrees at floor level and up to 600 degrees at eye level – the heat alone can kill individuals. Inhaling this level of heat can have an extremely damaging effect on your lungs. Additionally, this level of heat can even melt the clothing you wear to your skin. Once a fire hits a room, everything can ignite at once in under 5 minutes, which is also known as a flash over.
Fire is DARK! (Fire isn’t bright, its PITCH BLACK!)
Fire begins by looking like a bright light, and rapidly produces black smoke and total darkness. Because of the extreme darkness, if you were to wake up to a fire, you may be blinded, perplexed, and unable to find your way around your own home.
Fire is Deadly! (Flames kill less people than Smoke and Toxic gases.)
We all need oxygen to breathe, but when a fire hits, it uses up all of the oxygen you need and ends up producing fatal smoke and poisonous gases. Because the fumes are colorless and odorless, they can get you into a deep sleep before the flames even reach your door and cause you not to wake up in time to evacuate your home.
In the event of a fire remember that time is not on your side and every second counts. Be sure to evacuate your home first, and then call for help. Be sure to design a fire evacuation plan for your home to meet outside. Make sure that you each member of your family has two known ways of escaping in case there is a fire. Also, try to practice this with your family and remember to always crawl low under the smoke and keep your mouth covered. Never return to your home for any reason. Your life will be at risk. Lastly, be sure that your home fire alarm is working and be sure to test it regularly. It will increase your chances of surviving a fire!
Our Adjusters Have Handled a Variety of the Following Types of Fire Damage Losses:
Commercial Fires, Condominium Fires, Residential Fires, Business Fires, Chimney Fires, Electrical Fires, Kitchen Fires, Cooking Fires, Barbecue Fires, Grease Fires, Smoke Damage, Brush Fires, Fires from lightning, Near Total Loss Fires, Rental Apartment Fires, Arson, Heater Malfunctions, Fireplace, Fire Exposure, (from your house of your Neighbors), Cooking appliances, Accidental Fires (eg. cigarettes, child mishaps, etc)
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What To Do After Your Home Has Been Vandalized
1. Promptly report the loss to the police. Don’t touch or move anything until the
police have arrived, performed any investigating or collecting of evidence they
need to do and completed their report.
2. Contact your Public Adjuster to assist if filing a claim with your insurance
company. Most standard homeowner’s insurance policies cover damages caused
by vandalism.
3. Protect property from further damage by arranging for reasonable temporary
repairs as soon as possible. Do not make any permanent repairs until the insurance
adjuster has had a chance to review the damage.
4. Keep an accurate record of all temporary repair expenses so that you can add the
amount to your claim. Also, keep an accurate record of any and all expenses
incurred to be considered for possible reimbursement.
5. Determine the damage to your personal property. Make a written list of what was
damaged. To be as accurate as possible, please include the manufacturer, brand
name and the place and date of purchase.
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Having a pipe break in the home from plumbing problem can be one of the most frustrating experiences for a homeowner to have. If a pipe break and water damage occurs in your home, it is important to take the necessary steps in ensuring that you do can recover the damage that has occurred.
- Prevention is Key: Proper maintenance and insulation are essential. The reason why most pipes break and water damage is due to cold weather. Regularly check your pipes and make sure that they stay warm during the cold months.
- File a Insurance Claim Immediately: Contact your insurance agent or your insurance claims department as soon as you notice water leaking from a pipe break. They will set up a time when an adjuster can come and take a look at your property to assess the home damage.
- Get Rid of the Wet Materials and Dry Out the Floors and Walls: In order to prevent any additional damage from occurring, you need to get rid of any wet materials, including carpet or flooring that is damaged. Calling a water mitigation company will assist you in making sure that the water is removed effectively and the property is dried out. NOTE: some insurance companies may deny some portions of the claim under NEGLECT if proper attention is not made in water mitigation and also take lots of pictures.
- Document All Damaged Items: Make sure you take inventory of any and all items that suffered damage during the pipe break.
- Contact Your Plumber: Your insurance company is going to need a plumbers invoice in order for you to have your plumbing put back to how it was.
- Contact an Insurance Professional – Public Adjuster: Using a Public Adjuster, an insurance consultant who works for the homeowner and not the insurance company, will help you maximize your insurance claim. A Public Adjuster is an expert in insurance policy and claim handling. Water claims can be complicated, and hiring a public adjuster will help you get reimbursed fully for the property damage.
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