Home Insurance Claim Archives

Common Fire Damage Insurance Claim Denials

A H Neaman on March 27, 2025

A house fire is one of the most devastating events a homeowner can experience. While homeowners insurance is supposed to provide financial protection, many policyholders face claim denials or underpaid claims when they need assistance the most. Understanding why fire damage claims get denied can help you avoid costly mistakes and ensure you receive the full compensation you’re entitled to.

At A H Neaman Company, we specialize in fire damage insurance claims in Pennsylvania (PA), West Virginia (WV), and Maryland (MD). As public adjusters, we help homeowners fight unfair denials and maximize their claims. If your fire damage claim has been delayed, underpaid, or denied, call us today for expert assistance.

This guide explores the most common reasons fire damage insurance claims are denied—and what you can do to prevent or fight back against an unfair denial.

1. Insufficient Documentation of Fire Damage

One of the most common reasons for a claim denial is insufficient documentation. Insurance companies require proof of damage and loss to approve a claim, and missing or incomplete documentation can result in delays or denials.

How to Avoid This Denial:

✅ Take Immediate Photos and Videos: Before touching or cleaning anything, document all fire damage, soot, smoke residue, and water damage from firefighting efforts.
✅ Create a Detailed Inventory: List every damaged or destroyed item, including purchase dates, estimated values, and receipts if available.
✅ Save Fire Department Reports: These reports provide official proof that a fire occurred, which supports your insurance claim.
✅ Work with a Public Adjuster: A H Neaman Company ensures that all necessary documentation is provided to prevent delays and denials.

2. Late Filing of a Fire Damage Claim

Most homeowners insurance policies require that claims be filed within a specific timeframe after the fire occurs. If you wait too long, your claim may be denied.

How to Avoid This Denial:

✅ Report the Fire to Your Insurance Company Immediately: Call your insurer within 24 to 72 hours of the incident.
✅ Keep Records of Communication: Save emails, claim numbers, and names of insurance representatives you speak with.
✅ Work with a Public Adjuster: A H Neaman Company helps ensure that your claim is filed correctly and within the required timeframe.

3. Allegations of Arson or Fraud

Insurance companies investigate every fire claim to rule out arson or fraudulent activity. If they suspect that the fire was intentionally set, your claim will be denied.

How to Avoid This Denial:

✅ Cooperate Fully with the Investigation: Provide all requested documents, including fire department reports and proof of ownership for lost items.
✅ Avoid Accusations of Inflated Claims: Only claim losses that you can verify. Overestimating damages may raise red flags.
✅ Hire a Public Adjuster to Represent You: If you’re wrongfully accused, A H Neaman Company will help gather evidence to prove your claim is legitimate.

4. Policy Exclusions and Coverage Gaps

Some homeowners assume that their insurance will cover all fire-related damages, only to find out that certain types of damage are excluded or not fully covered under their policy.

Common Policy Exclusions:

❌ Smoke and Soot Damage: Some policies only cover structural damage and exclude damage caused by smoke or soot.
❌ Water Damage from Firefighting Efforts: Water damage may be considered a separate claim under your policy.
❌ Personal Property Limits: Expensive items such as jewelry, antiques, and electronics may require additional riders to be fully covered.
❌ Intentional Acts and Negligence: If your fire was caused by lack of maintenance (such as faulty wiring), your claim may be denied.

How to Avoid This Denial:

✅ Review Your Insurance Policy Before a Disaster Occurs: Understand what is covered and whether you need additional coverage.
✅ Add Riders for High-Value Items: If you own expensive jewelry, collectibles, or electronics, ensure they’re properly insured.
✅ Work with a Public Adjuster to Dispute Unfair Denials: If your insurer wrongly applies an exclusion, A H Neaman Company will fight for a fair settlement.

5. Lowball Estimates from the Insurance Company

Sometimes, an insurer will approve your fire damage claim but offer a settlement far below the actual cost of rebuilding or replacing damaged property.

How to Avoid This Issue:

✅ Get Multiple Estimates: Don’t accept the insurance adjuster’s assessment without getting independent repair estimates.
✅ Work with a Public Adjuster: A H Neaman Company negotiates on your behalf to maximize your payout.
✅ Challenge the Initial Offer: If the settlement doesn’t cover all damages, you have the right to appeal or request a reassessment.

6. Disputes Over the Cause of the Fire

Insurance companies may dispute the cause of the fire to avoid paying a claim. If they claim the fire was due to an uncovered event (e.g., negligence, electrical issues, or improper maintenance), they may deny your claim.

How to Avoid This Denial:

✅ Obtain the Fire Department’s Official Report: This report helps confirm the cause of the fire and serves as crucial evidence.
✅ Work with a Public Adjuster to Challenge the Denial: A H Neaman Company can bring in experts to support your claim and fight back against wrongful denials.

7. Insurance Claim Delays and Bad Faith Tactics

Some insurers delay the claims process in hopes that policyholders give up or accept a lower settlement out of frustration.

How to Avoid This Issue:

✅ Follow Up Regularly: Maintain written records of all interactions with your insurer.
✅ Know Your Rights: If your insurer delays, denies, or undervalues your claim without justification, it may be acting in bad faith.
✅ Hire a Public Adjuster to Push Your Claim Forward: A H Neaman Company ensures that your claim is handled fairly and efficiently.

Why You Need a Public Adjuster for Your Fire Damage Claim

Navigating a fire damage insurance claim can be overwhelming, and insurers don’t always play fair. If your claim has been denied, delayed, or undervalued, a public adjuster can help level the playing field.

How A H Neaman Company Can Help You:

✅ Thorough Damage Assessments: We ensure all fire, smoke, and water damage is properly documented.
✅ Policy Review and Expert Negotiation: We fight lowball offers and push for the maximum settlement.
✅ Claim Filing and Appeals Assistance: If your claim has been denied, we handle the appeals process.
✅ Serving PA, WV, and MD: We specialize in helping homeowners and business owners throughout Pennsylvania, West Virginia, and Maryland.

📞 Call A H Neaman Company today for a free consultation. Let us help you fight unfair denials and get the compensation you deserve for your fire damage claim. Don’t settle for less—get the expert help you need!

Understanding Fire Damage Insurance Policies

A H Neaman on March 26, 2025

A house fire can be one of the most devastating experiences a homeowner or business owner can face. Beyond the immediate loss, dealing with the fire damage insurance claims process can be confusing and stressful. Not all policies are created equal, and understanding what is covered—and what isn’t—can make a huge difference in your recovery.

At A H Neaman Company, we specialize in fire damage insurance claims for homeowners and businesses in Pennsylvania (PA), West Virginia (WV), and Maryland (MD). As public adjusters, we help policyholders navigate the insurance process, fight for fair settlements, and ensure that their claims fully account for all damages—including hidden costs insurers may overlook.

This comprehensive guide will help you understand how fire damage insurance policies work, what they typically cover, what they exclude, and how to maximize your claim payout.

1. The Basics of Fire Damage Insurance Coverage

Most homeowners insurance policies include fire damage coverage, but it’s important to understand the details. Standard policies typically cover:

1.1. Dwelling Coverage (Structure of the Home or Building)

If a fire damages or destroys part of your home or business, dwelling coverage pays for repairs or rebuilding. This includes:
✔ Walls, ceilings, and floors
✔ Roof and foundation
✔ Attached structures like garages and decks

However, coverage limits vary, and some policies only pay actual cash value (ACV) instead of replacement cost value (RCV)—which can result in lower payouts. A public adjuster can help ensure your insurer properly values your home’s repairs.

1.2. Personal Property Coverage

This covers the items inside your home, such as:
✔ Furniture and appliances
✔ Clothing and electronics
✔ Jewelry and valuables (up to certain limits)

However, some high-value items (jewelry, fine art, and collectibles) may require additional coverage (riders or endorsements). Be sure to review your policy to avoid surprises.

1.3. Additional Living Expenses (ALE) or Loss of Use

If your home is uninhabitable due to fire damage, ALE coverage pays for:
✔ Hotel or rental costs
✔ Restaurant meals
✔ Transportation and other temporary living expenses

This ensures you have a place to stay while repairs are completed. Make sure to save all receipts to include in your insurance claim.

1.4. Detached Structures Coverage

Many policies cover detached garages, sheds, and fences, but coverage limits may apply. Always check your policy to confirm what’s included.

2. What Fire Damage Insurance Typically Does NOT Cover

While fire insurance covers many losses, there are certain exclusions that homeowners should be aware of:

2.1. Intentional Fires (Arson)

If an investigation finds that a fire was intentionally set by the homeowner, the claim will be denied. Insurance fraud is illegal, and arson-related claims are closely investigated.

2.2. Fire Damage Due to Negligence

If neglecting maintenance (such as faulty electrical wiring or leaving a stove unattended) contributed to the fire, the insurance company might deny or reduce the claim.

2.3. Certain Types of Personal Property

While personal property is covered, there may be limits on high-value items, such as:
❌ Jewelry and watches (usually capped at $1,500–$2,500 unless scheduled separately)
❌ Antiques, artwork, and collectibles
❌ Cash or financial documents

2.4. Smoke and Soot Damage (Partial Coverage)

Not all policies cover smoke and soot damage—which can lead to severe indoor air quality issues and ruin personal belongings. This is one of the most overlooked damages in fire claims, so working with a public adjuster ensures that insurers do not undervalue smoke damage.

2.5. Water Damage from Firefighting Efforts

Water damage from putting out a fire can cause mold growth, structural issues, and electrical damage. While most policies include some water damage coverage, not all do—especially if the damage occurs over time rather than suddenly.

A public adjuster can ensure that water-related damages are included in your fire claim.

3. Common Issues in Fire Damage Claims

Even if you have fire insurance, insurance companies may try to reduce, delay, or deny your claim. Here’s how they do it—and how you can fight back:

3.1. Lowball Settlement Offers

Insurance adjusters often undervalue repairs and replacement costs. They may:

Use outdated pricing for materials and labor
Offer only partial coverage for repairs
Underestimate smoke and water damage costs

💡 Solution: A public adjuster, like A H Neaman Company, reassesses your claim and negotiates for the full settlement you deserve.

3.2. Delayed Claim Processing

Insurers may drag out the process, hoping you’ll settle for less out of frustration.

💡 Solution: Working with a public adjuster helps expedite the claims process by ensuring that all necessary documentation is submitted correctly.

3.3. Claim Denial Due to Policy Exclusions

Insurers may try to deny claims based on loopholes or technicalities in your policy.

💡 Solution: A public adjuster will review your policy and challenge unfair denials on your behalf.

4. How a Public Adjuster Can Help with Your Fire Insurance Claim

4.1. Comprehensive Damage Assessment

We inspect and document all fire, smoke, soot, and water damage, ensuring nothing is missed in your claim.

4.2. Negotiation with the Insurance Company

We handle the entire claims process and negotiate directly with your insurer, ensuring you receive a fair settlement.

4.3. Maximizing Your Payout

We ensure you get paid for everything you’re entitled to, from structural repairs to personal belongings and additional living expenses.

4.4. Faster Claim Resolution

A public adjuster prevents delays and claim denials, helping you recover faster.

5. Call A H Neaman Company for Expert Fire Damage Claims Assistance

Navigating fire damage insurance claims can be complicated—but you don’t have to do it alone. At A H Neaman Company, we are experienced public adjusters in PA, WV, and MD, specializing in maximizing insurance payouts for homeowners and business owners.

📞 Call A H Neaman Company today for a free consultation. We’ll fight for you, handle the paperwork, and ensure you get every dollar you’re entitled to. Don’t settle for less—get the compensation you need to rebuild your life.

What to Do Immediately After a Fire

A H Neaman on March 25, 2025

Experiencing a fire in your home or business is devastating. The emotional toll, coupled with the damage to property, can leave you feeling overwhelmed and unsure of what to do next after a fire. Once the fire is extinguished, the real challenge begins—navigating the recovery process and ensuring that your insurance claim fully covers your losses.

At A H Neaman Company, we specialize in fire damage insurance claims in Pennsylvania (PA), West Virginia (WV), and Maryland (MD). As experienced public adjusters, we help homeowners and business owners maximize their insurance settlements so they can rebuild and recover quickly.

This step-by-step guide will walk you through the critical actions to take immediately after a fire, ensuring that you protect your safety, secure your property, and receive the insurance payout you deserve.

Step 1: Ensure Everyone’s Safety

Check for Injuries and Seek Medical Attention

The first priority after a fire is ensuring the safety of everyone involved. Even if there are no visible injuries, smoke inhalation and minor burns can cause serious health issues. If necessary, call 911 for medical assistance.

Wait for Fire Officials to Clear the Property

Do not enter the property until the fire department declares it safe. Structural damage, toxic fumes, weakened floors, and falling debris pose serious hazards. Firefighters will conduct an initial assessment to determine if the building is stable.

Secure Temporary Shelter

If your home is uninhabitable, arrange for temporary housing. Many homeowners insurance policies include Additional Living Expenses (ALE) coverage, which can help pay for hotel stays, meals, and other essentials while your home is being repaired.

Step 2: Contact Your Insurance Company

Notify Your Insurance Provider Immediately

Most policies require prompt notification of fire damage. Call your insurance company as soon as possible to start the claims process.

Get a Claim Number and Adjuster Assignment

Once you file a claim, your insurer will assign an insurance adjuster to evaluate the damage. Keep detailed records of all conversations, emails, and documents related to your claim.

Understand Your Policy Coverage

Before accepting any offers, review your homeowners insurance policy to understand what’s covered, including:

Dwelling Coverage (structure of the home)
Personal Property Coverage (furniture, appliances, clothing, etc.)
Loss of Use Coverage (temporary living expenses)
Smoke and Water Damage

If you are unsure about your coverage, a public adjuster can help interpret your policy and ensure that you receive the maximum payout possible.

Step 3: Document the Damage Thoroughly

Take Photos and Videos

Before making any changes to the property, take extensive photos and videos of the fire damage. Include both interior and exterior shots, capturing:
✔️ Burned walls, ceilings, and flooring
✔️ Furniture and personal belongings
✔️ Roof damage and structural issues
✔️ Smoke and soot damage

Create an Inventory List

Document everything that was damaged or destroyed. Include:

Item name and description
Purchase date (if available)
Estimated replacement cost
Receipts or proof of purchase

Work With a Public Adjuster

Insurance companies often undervalue losses or overlook hidden damages. A public adjuster, like A H Neaman Company, ensures that your full loss is accounted for and negotiates on your behalf for a fair settlement.

Step 4: Prevent Further Damage

Secure the Property

To prevent looting, vandalism, or weather damage, take these steps:

Board up broken windows and doors
Cover exposed areas with tarps
Turn off utilities (gas, water, electricity)

Avoid Making Permanent Repairs

Do not start major repairs until your claim is approved. However, temporary repairs that prevent further damage—such as boarding up windows or covering the roof—are typically reimbursable under your insurance policy.

Save All Receipts for Expenses

If you need to pay for emergency repairs, temporary housing, or essentials, keep all receipts. These expenses may be eligible for reimbursement under your insurance policy.

Step 5: File and Manage Your Insurance Claim

Work With a Public Adjuster for Maximum Compensation

A public adjuster works for you—not the insurance company. Insurance providers often offer low initial settlementsthat do not fully cover fire damage. At A H Neaman Company, we help homeowners and business owners in PA, WV, and MD by:
✅ Conducting a thorough damage assessment
✅ Filing all claim paperwork correctly and on time
✅ Negotiating with the insurance company for a higher payout
✅ Ensuring all hidden damages (smoke, soot, and water) are included

Watch for Lowball Offers and Claim Denials

Insurance companies may:
❌ Undervalue the cost of repairs
❌ Claim exclusions that don’t apply to your case
❌ Delay payments to pressure you into settling for less

Having a public adjuster on your side helps counter these tactics and ensures you receive a fair and full payout.

Stay Organized

Maintain a claim file that includes:
📂 A copy of your insurance policy
📂 All photos and videos of the damage
📂 Receipts for temporary repairs and living expenses
📂 Correspondence with your insurance company

This documentation is essential if you need to dispute a low settlement or appeal a denied claim.

Step 6: Begin the Restoration Process

Choose a Licensed Fire Damage Contractor

Before hiring a contractor, verify that they are:
✔ Licensed and insured
✔ Experienced in fire damage restoration
✔ Able to work with your insurance

Oversee the Repairs

Stay involved in the restoration process to ensure that:

Repairs meet industry standards
Materials match the original quality
Hidden issues (like mold from water damage) are addressed

Continue Working With Your Public Adjuster

If unexpected costs arise or the insurance company delays payment, your public adjuster can help resolve disputes and keep the claim moving forward.

Final Thoughts: Why Call A H Neaman Company?

Recovering from a fire loss is a long and difficult process, but you don’t have to do it alone. A H Neaman Company is here to fight for you—ensuring that your fire damage claim is handled fairly and efficiently.

📞 Call A H Neaman Company today for a free consultation. Let our experienced public adjusters in PA, WV, and MD handle the insurance process, so you can focus on rebuilding your home and life. We work for you—not the insurance company.

Keeping a Home Inventory for Faster Insurance Claims

A H Neaman on March 24, 2025

One of the most valuable steps you can take to protect your home and belongings is creating a home inventory. Whether you’re dealing with fire, water damage, theft, or any other loss, a detailed inventory can make the insurance claims process faster, easier, and more efficient.

As a public adjuster with years of experience serving clients in Pennsylvania (PA), West Virginia (WV), and Maryland (MD), A H Neaman Company knows firsthand how crucial it is to have an up-to-date, accurate inventory. Without it, you may struggle to prove the value of your damaged or lost property—ultimately delaying your claim or even leading to lower compensation. In this post, we’ll explain the importance of keeping a home inventory and how it can make a world of difference when filing an insurance claim.

Why You Need a Home Inventory for Insurance Claims

1. Simplifies the Claims Process

A home inventory is a comprehensive list of all the personal property in your home. This can include furniture, electronics, clothing, appliances, artwork, jewelry, and even smaller items like kitchenware. The inventory can serve as a guide to quickly identify the items that were damaged or stolen.

Without an inventory, you’ll be forced to recreate a list of all your items, which is often time-consuming and stressful, especially during a crisis. Insurance companies expect detailed documentation of losses to process claims efficiently. If you don’t have a list, it can be much harder to prove the extent of your loss, leading to delays or potential claim denials.

2. Helps You Recover Full Value for Lost Items

Insurance companies require proof of ownership and value for the items you’re claiming. With a well-documented inventory, you can easily provide the following:

Descriptions of each item
Purchase dates
Receipts or photographs (if available)
Current value or replacement cost

This level of detail can help you recover the full market value or replacement cost for your items. Without these details, the insurer might only reimburse you for the depreciated value, which could be significantly lower than the amount needed to replace your belongings.

3. Reduces the Likelihood of Disputes

Having a clear inventory reduces the likelihood of disputes with your insurance company. By documenting everything in advance, you can avoid the back-and-forth with adjusters about the extent of the damage or the value of specific items. In some cases, having an inventory may also prevent the denial of your claim due to insufficient evidence.

A H Neaman Company, as public adjusters in PA, WV, and MD, can help you organize your inventory in a way that makes the claims process smoother and more efficient. We act as your advocate, making sure that all your losses are accounted for and that your claim is handled with the attention it deserves.

How to Create an Effective Home Inventory for Insurance Claims

1. Start with a Room-by-Room Inventory

Begin by walking through your home and taking notes on every room. List all items, including furniture, electronics, appliances, clothing, and any other valuables. Don’t forget about storage areas, such as basements, attics, garages, and closets.

2. Take Photos or Videos

Visual documentation is one of the best ways to support your inventory. Use a camera or smartphone to photograph or video record your possessions. Make sure the images clearly show the items, serial numbers, and any identifying features.

Create a backup of your photos and store them in the cloud or on a secure external drive to prevent loss in the event of a disaster.

3. Keep Track of Serial Numbers and Receipts

If possible, note the serial numbers of appliances, electronics, or other high-value items. Include copies of receipts or purchase invoices, which can help substantiate your claim.

For items like furniture or clothing that may not have serial numbers, keep track of the brand name, model, and approximate purchase date.

4. Regularly Update Your Inventory

An inventory is only useful if it is up to date. As you acquire new items or dispose of old ones, be sure to update your listaccordingly. Consider doing a quarterly check to ensure that your inventory remains accurate and complete.

5. Store Your Inventory in Multiple Locations

It’s essential to keep a copy of your inventory off-site. This ensures that you can access it in the event of a disaster, such as a fire or flood. You can store it in a cloud-based document, an encrypted USB drive, or at a trusted friend or relative’s house.

The Benefits of Working with a Public Adjuster

While keeping a home inventory is crucial for maximizing your insurance claim, the claims process can still be overwhelming, even with the best documentation. That’s where A H Neaman Company comes in.

As public adjusters in PA, WV, and MD, we work on your behalf, not the insurance company. Our role is to ensure that you get fair compensation for your property damage, without the stress of dealing with insurance adjusters who are focused on minimizing costs.

Here’s how we help:

Review your inventory to ensure that no items are missed
Assess the value of damaged property and advocate for full reimbursement
Negotiate directly with your insurer to expedite your claim
Assist with filing the necessary paperwork and documentation
Help you avoid common mistakes that could lead to claim denials or underpayment

If you’re unsure about whether you have the proper inventory documentation or if your claim is being handled correctly, call A H Neaman Company today. We can help you navigate the insurance claims process and ensure you get the compensation you deserve.

Contact A H Neaman Company for Expert Help

Whether you’re dealing with fire, water damage, or another type of loss, having a detailed home inventory can make a world of difference when it comes to recovering your losses. And with the expert assistance of a public adjuster, you can ensure your claim is handled efficiently, fairly, and promptly.

Call A H Neaman Company today at [Your Phone Number] or visit [Your Website URL] to learn how we can assist you with your insurance claim. As public adjusters in Pennsylvania, West Virginia, and Maryland, we’re here to fight for your best interests every step of the way.

Navigating the Homeowners Insurance Claims Process

A H Neaman on March 20, 2025

The homeowners insurance claims process after property damage can be frustrating and confusing. Many homeowners assume that their insurance company will fully cover their losses, only to find themselves facing delays, underpayments, or even denied claims.

At A H Neaman Company, we help homeowners in Pennsylvania (PA), West Virginia (WV), and Maryland (MD)navigate the insurance claims process, ensuring they receive the maximum payout they deserve. Whether you’ve suffered damage from a fire, storm, water, or another disaster, understanding the do’s and don’ts of filing a claim can make all the difference.

Do’s: Steps to Take for a Successful Insurance Claim

1. Document the Damage Immediately

As soon as it is safe to do so, take clear photos and videos of the damage. This includes:

Structural damage to walls, ceilings, and floors
Damage to personal belongings and furniture
Exterior damage (roof, siding, landscaping)
Any standing water or smoke residue

The more detailed your documentation, the stronger your claim will be.

2. Review Your Homeowners Insurance Policy

Many homeowners don’t realize what their policy does and does not cover. Review your policy carefully to understand:

Your coverage limits
Exclusions or restrictions
Deductibles and additional living expenses (ALE) coverage

Not sure how to interpret your policy? A H Neaman Company can help you understand your coverage and advocate for a fair settlement.

3. Notify Your Insurance Company Right Away

Most insurance policies require that you report a loss as soon as possible. Delaying your claim could lead to:

Claim denial due to late reporting
Disputes over when the damage occurred
More extensive damage if repairs are delayed

Be sure to get a claim number and keep a record of all conversations with your insurance company.

4. Mitigate Further Damage

Homeowners are required to take reasonable steps to prevent further damage after a loss. For example:

✅ If you have water damage, remove excess water and use fans to dry the area
✅ If your roof is damaged, place a tarp to prevent leaks
✅ If there’s fire damage, board up broken windows to secure your home

Failing to mitigate damage could result in claim denial or reduced compensation.

5. Keep All Receipts and Records

Track all expenses related to your loss, including:

Temporary repairs
Hotel stays and meals (if displaced)
Cleanup costs

These costs may be reimbursable under your policy’s additional living expenses (ALE) coverage.

6. Consider Hiring a Public Adjuster

Insurance companies have their own adjusters who work to minimize payouts. A public adjuster, like A H Neaman Company, works for YOU, ensuring that your claim is:

Properly documented
Accurately assessed
Fairly negotiated

We handle fire, water, storm, and all major property damage claims in PA, WV, and MD—and we fight to get you the settlement you deserve.

Don’ts: Mistakes to Avoid When Filing a Homeowners Insurance Claim

1. Don’t Accept the First Settlement Offer Without Review

Insurance companies often offer low initial settlements to save money. While it may seem tempting to accept a quick payout, this amount may not fully cover your damages.

A public adjuster can assess whether the offer is fair and negotiate for a higher payout if needed.

2. Don’t Sign Anything Without Understanding It

Insurance companies may ask you to sign:

A proof of loss statement
A settlement agreement
A release form that limits future claims

Before signing anything, consult with a public adjuster to ensure you’re not waiving your rights to additional compensation.

3. Don’t Exaggerate or Misrepresent Damages

Honesty is key when filing a claim. If the insurance company discovers false or exaggerated claims, they may:

🚨 Deny your entire claim
🚨 Cancel your policy
🚨 Take legal action

Provide accurate documentation and let the experts at A H Neaman Company present your case properly.

4. Don’t Rely Solely on the Insurance Company’s Adjuster

Insurance company adjusters work for the insurer, not you. Their goal is to limit the payout by:

Underestimating repair costs
Overlooking hidden damage
Denying certain claim elements

Hiring a public adjuster ensures you have someone on your side who will conduct an independent assessment and negotiate for a fair settlement.

5. Don’t Delay Repairs Without Approval

While you need to prevent further damage, don’t start major repairs until your claim is approved. Otherwise, the insurance company might:

❌ Refuse to cover certain repairs
❌ Dispute the cause of damage
❌ Pay less than what’s needed

If you’re unsure about the timing of repairs, consult with A H Neaman Company for expert guidance.

Why Choose A H Neaman Company?

Dealing with property damage is stressful enough—you shouldn’t have to fight with your insurance company too. As experienced public adjusters in PA, WV, and MD, we:

✔ Handle all claim negotiations to maximize your payout
✔ Document every detail to strengthen your claim
✔ Ensure fair treatment so you aren’t underpaid or denied

Whether you’ve suffered fire, water, storm, or another property loss, we are here to help you navigate the process and get the compensation you deserve.

Let us take the stress off your shoulders—we work for YOU, not the insurance company!

Understanding Insurance Claim Denials for Fire and Water Damage

A H Neaman on March 18, 2025

Dealing with fire or water damage to your home can be incredibly stressful, and when an insurance claim denial is thrown into the mix, it can feel like an overwhelming setback. Insurance companies are sometimes quick to deny claims, leaving homeowners wondering what went wrong and how they can recover from the financial strain. As a public insurance adjuster serving Pennsylvania (PA), West Virginia (WV), and Maryland (MD), we at A H Neaman Companyunderstand the challenges homeowners face and are here to help you navigate these difficulties. In this blog post, we will break down the most common reasons insurance claims for fire and water damage are denied and provide valuable insights on how to fight back and ensure you get the compensation you deserve.

Common Reasons for Fire and Water Damage Claim Denials

Insurance claim denials can happen for a variety of reasons, even if the damage seems clear and undeniable. Here are some common reasons why fire and water damage claims may be denied:

1. Insufficient Documentation of the Damage

One of the most common reasons insurance claims are denied is insufficient documentation of the damage. Insurers require detailed evidence to process claims, including photos, videos, and written descriptions of the damage to your home and property.

What Can You Do?

Ensure that you document everything thoroughly before making your claim. Take detailed photos and videos of the damage, including items that may not be immediately visible, like hidden water damage or smoke residue. You should also keep a list of items that were damaged or destroyed.

Hiring a public adjuster can help ensure that your damage is accurately documented. As experienced professionals, we know exactly what evidence is needed and can help you gather all the necessary materials to support your claim.

2. Late or Missed Claim Filing Deadlines

Every insurance policy has a filing deadline, and missing it can result in a claim denial, even if the damage occurred within the policy period. Insurance companies will not hesitate to deny a claim if it is not submitted in a timely manner.

What Can You Do?

It is critical to file your claim as soon as possible after the damage occurs. Insurance companies typically have a time frame within which you must report damage. This deadline can vary from company to company, so be sure to review your policy and reach out to your insurance provider immediately after the damage occurs.

A public adjuster can help you file your claim quickly and accurately, ensuring that all deadlines are met, and that your claim is processed without unnecessary delays.

3. Policy Exclusions or Gaps in Coverage

Some insurance policies include exclusions that limit coverage for certain types of fire or water damage. For example, water damage caused by floods may not be covered under a standard homeowners insurance policy, and fire damage from arson may not be eligible for compensation if it was determined to be intentional.

What Can You Do?

The first step is to thoroughly review your insurance policy, including the exclusions and limitations. If you are unsure whether your coverage applies, a public adjuster can help you decipher your policy and identify any gaps or exclusions.

If you’ve been denied a claim due to an exclusion, it’s still worth reaching out to your insurance company for clarification. You might be able to work out a solution or even appeal the decision.

4. Failure to Meet Maintenance Requirements

Many homeowners insurance policies include clauses that require homeowners to maintain their property in a certain condition. For example, if a fire was caused by faulty wiring, and it’s determined that you neglected to maintain your electrical system, your insurance company might argue that the claim is invalid due to lack of proper maintenance.

What Can You Do?

The best way to avoid this scenario is to regularly maintain your home, including addressing any safety hazards that could lead to fire or water damage. If your claim was denied for maintenance reasons, ensure that you gather any evidence showing that the issue wasn’t due to neglect, such as repair records, recent inspections, or proof of regular maintenance.

A public adjuster can assist in reviewing the circumstances surrounding your claim denial and help you gather the right documentation to demonstrate that you have met all necessary maintenance requirements.

5. Discrepancies Between the Insurance Adjuster’s Report and Your Claim

Insurance adjusters sent by the insurance company may not always assess the full extent of the damage or may interpret the damages differently than you do. This can lead to discrepancies between your claim and the adjuster’s report, resulting in a denial or underpayment.

What Can You Do?

You have the right to dispute the insurance adjuster’s findings. Hiring an independent public adjuster can help. We can review the insurance company’s assessment, compare it with your evidence, and ensure that the full extent of the damage is taken into account. If necessary, we can even recommend a second opinion to make sure the claim is handled fairly.

What You Can Do After a Claim Denial

If your claim has been denied for fire or water damage, all is not lost. Here are the steps you should take to fight back:

1. Review Your Denial Letter

Carefully read the denial letter you received from your insurance company. This letter will explain the reasons for the denial. It’s important to understand the specific grounds for the rejection so that you can address the issue directly.

2. Appeal the Denial

Most insurance companies have an appeals process that allows homeowners to challenge a claim denial. If you believe the denial was unjust, you can provide additional documentation or evidence to support your case.

3. Contact a Public Adjuster for Help

At A H Neaman Company, we specialize in handling fire and water damage claims in PA, WV, and MD. If your claim has been denied, we can help you file an appeal and provide the expert assistance you need to maximize your settlement. We’ll review your policy, examine the denial, and help you gather the necessary documentation to present a stronger case.

Call A H Neaman Company for Expert Assistance with Your Claim

Insurance claim denials for fire and water damage are frustrating, but they don’t have to be the end of the road. As a public adjuster serving Pennsylvania, West Virginia, and Maryland, we are here to guide you through the claims process, help you avoid common pitfalls, and fight back when your claim is unjustly denied.

📞 Call A H Neaman Company today for expert help with your fire or water damage insurance claim. We are committed to ensuring that you get the compensation you deserve and will stand by your side every step of the way.

Top Reasons Insurance Claims for Water Losses Are Denied

A H Neaman on March 17, 2025

Water damage is one of the most common and costly causes of property damage. Whether from a burst pipe, a leaky roof, or a flood, water losses can wreak havoc on your property and belongings. However, when it comes time to file an insurance claim, many homeowners find themselves facing a frustrating denial. Understanding why insurance claims for water losses are denied and how you can fight back is essential to securing the compensation you deserve.

At A H Neaman Company, we specialize in helping property owners navigate the complexities of insurance claims, especially in Pennsylvania (PA), West Virginia (WV), and Maryland. As experienced public adjusters, we are here to ensure that your claim is properly handled and that you receive a fair settlement. Let’s dive into the top reasons insurance claims for water losses are denied and how our team can help.

1. Lack of Maintenance or Negligence

One of the most common reasons water damage claims are denied is because the insurance company argues that the damage was caused by a lack of maintenance or negligence. Insurers may claim that you failed to take reasonable steps to prevent water damage. For example, if a leaky roof was never repaired or plumbing issues were ignored, they may argue that the damage could have been avoided.

How to Fight Back:
Document your maintenance efforts, including regular inspections and repairs. It’s important to have records of any maintenance work done and to demonstrate that you were not negligent in maintaining the property. If you face a denial due to negligence, a public adjuster can help gather evidence to refute this claim and ensure your insurance company properly evaluates the situation.

2. Pre-existing Damage

Insurance companies may deny claims if they believe the water damage existed before the policy was in place or before the loss occurred. For example, if there was a history of mold or water stains on the ceiling, insurers may argue that the damage was already present and not a result of the current incident.

How to Fight Back:
Get an independent evaluation from a qualified expert to assess the extent of the damage and determine when it occurred. A public adjuster can help you gather the right evidence, such as photographs or expert testimony, to show that the damage was recent and related to the incident in question.

3. Improper Reporting or Delay in Filing the Claim

Insurance companies often require timely reporting of water damage. If you delay reporting the claim, even by a few days, the insurer may claim that the damage was worsened because of the delay, thus leading to a denial. In many cases, policies specify that you must notify your insurer within a certain time frame (usually 24 to 48 hours).

How to Fight Back:
Act quickly and report the water loss as soon as possible. If you face a delay denial, document your actions and show that you reported the damage as soon as reasonably possible. A public adjuster can assist you in ensuring that the claims process is completed promptly and properly.

4. Flood Damage Exclusions

Most standard homeowners insurance policies do not cover damage caused by flooding. If the water damage was a result of a flood, your insurer may deny your claim under the exclusion for flood damage. In many cases, flood damage requires a separate flood insurance policy, which may not have been in place at the time of the loss.

How to Fight Back:
Review your policy carefully to understand what is covered and whether flood insurance was in place. If the damage occurred as a result of something other than a flood, such as a burst pipe or a backed-up sewer, you may be entitled to compensation. Public adjusters have the expertise to review your policy and ensure that you are being treated fairly.

5. Exceeding Coverage Limits

Insurance policies have limits on the amount of coverage they provide for specific types of damage. If the water loss exceeds the limit outlined in your policy, your claim may be denied or only partially paid out. It’s also possible that your insurer will deny claims based on “caps” that limit the reimbursement for certain types of water damage, such as sewer backups or water removal.

How to Fight Back:
Check your policy’s coverage limits and any exclusions or caps on water damage claims. If you have already reached the limit, a public adjuster can help you identify any additional areas of coverage or negotiate with your insurer for a higher payout. We can also assist with determining if the insurer’s payment is in line with the policy’s terms.

6. Inadequate Documentation of the Damage

A common reason claims are denied is inadequate documentation. If you do not have proper evidence of the damage, including photographs, videos, and a detailed account of the loss, your insurance company may refuse to pay or undervalue your claim.

How to Fight Back:
It is essential to document the damage immediately. Take photos and videos of the affected areas, and make a detailed list of damaged items. If you’re unsure what to document or how to proceed, a public adjuster can provide the necessary guidance and ensure that the insurance company receives the appropriate documentation to process your claim successfully.

7. Policy Exclusions or Limitations

Some policies include exclusions or limitations on water damage claims. For example, many policies exclude coverage for damage caused by seepage or gradual leaks over time. If the water damage is related to these issues, your claim may be denied.

How to Fight Back:
Review your policy’s exclusions and limitations to understand what is covered and what isn’t. If the water damage was caused by a sudden, unexpected incident (such as a burst pipe or an appliance failure), a public adjuster can help you demonstrate that the damage falls within your coverage limits.

Call A H Neaman Company for Help

If your water damage claim has been denied or underpaid, it can be a stressful and confusing situation. At A H Neaman Company, we specialize in helping property owners in Pennsylvania, West Virginia, and Maryland fight back against denied or underpaid insurance claims. As expert public adjusters, we work on your behalf to ensure your claim is thoroughly evaluated, and that you receive the compensation you deserve.

Don’t face your insurance claim battle alone. Call A H Neaman Company today, and let us help you navigate the claims process, fight back against denials, and ensure a fair and just settlement. We have the experience and expertise to get the results you deserve.

Damage from Frozen Pipes and Insurance Claims

A H Neaman on March 14, 2025

Frozen pipes and insurance claims are a common issue for homeowners in colder climates, and they can lead to severe water damage if they burst. When water freezes inside pipes, it expands, putting immense pressure on the pipe walls. If the pipe cannot withstand the pressure, it will crack or burst, leading to flooding and costly repairs.

If you’re a homeowner in Pennsylvania, West Virginia, or Maryland, it’s crucial to understand how to prevent frozen pipes and what to do if they cause damage. At A H Neaman Company, we specialize in assisting homeowners with insurance claims related to water damage from burst pipes. Here’s what you need to know.

How to Prevent Frozen Pipes

1. Insulate Your Pipes

Exposed pipes in basements, attics, garages, and exterior walls are at the highest risk of freezing. Insulate these pipes with foam sleeves or heat tape to keep them warm.

2. Keep the Heat On

Maintain a consistent indoor temperature of at least 55°F, even when you’re away from home. This helps prevent the water inside your pipes from freezing.

3. Let Faucets Drip

Allowing a slow drip from faucets connected to exposed pipes can relieve pressure and prevent freezing.

4. Seal Cracks and Openings

Seal gaps around windows, doors, and where pipes enter the home to prevent cold air from reaching them.

5. Open Cabinet Doors

Keeping cabinet doors open under sinks allows warm air to circulate around the pipes.

6. Disconnect Outdoor Hoses

Drain and disconnect hoses from outdoor faucets to prevent ice from forming inside the pipes.

What to Do If Your Pipes Freeze

1. Turn Off the Water Supply

If you suspect a frozen pipe, shut off the main water valve to prevent potential flooding when the pipe thaws.

2. Thaw the Pipe Safely

Use a hairdryer, heating pad, or warm towels to gradually thaw the frozen section. Never use an open flame, as it could cause further damage or start a fire.

3. Check for Leaks

Once the pipe is thawed, turn the water back on slowly and check for any cracks or leaks. If you notice damage, shut off the water immediately and call a professional.

4. Document Any Damage

Take photos and videos of the affected areas, including any visible cracks in the pipes or water damage. This documentation will be crucial for your insurance claim.

Filing an Insurance Claim for Burst Pipes

1. Review Your Insurance Policy

Not all insurance policies cover damage from frozen pipes. Review your policy to understand the coverage limits and any exclusions.

2. Report the Damage Promptly

Contact your insurance provider as soon as possible to report the incident. Most policies require timely reporting for claims to be processed.

3. Mitigate Further Damage

Take immediate steps to prevent additional damage, such as drying out the affected areas and using fans or dehumidifiers. Most policies require homeowners to mitigate losses to qualify for coverage.

4. Get a Professional Inspection

A licensed contractor or plumber should inspect the damage and provide an estimate for repairs. Their report will help substantiate your claim.

5. Work with a Public Insurance Adjuster

Insurance companies often minimize payouts, leaving homeowners to cover the rest. A public adjuster, like A H Neaman Company, can help ensure you receive the full compensation you’re entitled to. We assist homeowners in PA, WV, and MD with navigating complex insurance claims, gathering documentation, and negotiating fair settlements.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners recover from water damage caused by frozen pipes. Our experienced public adjusters work on your behalf to ensure you get the maximum payout from your insurance claim. We handle the entire claims process, from documentation to negotiations, so you can focus on restoring your home.

Call Us Today!

If you’re dealing with damage from frozen pipes or need assistance with your insurance claim, don’t wait. Call A H Neaman Company today and let our experts help you get the compensation you deserve!

By taking proactive steps and knowing how to navigate the insurance claims process, you can protect your home and finances from the devastating effects of frozen pipes. Let A H Neaman Company be your trusted partner in insurance claims and property restoration.

Tips to Protect Your Home from Burst Pipes and Flooding

A H Neaman on March 13, 2025

Water damage is one of the most common and costly issues homeowners face. Whether it’s a burst pipe and flooding in the middle of winter or unexpected flooding from heavy rains, the effects can be devastating. Understanding how to prevent these disasters can save you thousands of dollars in repairs and insurance claims. As experienced public adjusters serving Pennsylvania (PA), West Virginia (WV), and Maryland (MD), A H Neaman Company is here to help homeowners navigate the complexities of insurance claims and ensure they receive the maximum compensation for their losses.

Why Water Losses Happen

Water damage can stem from a variety of sources, including:

Frozen and burst pipes – Common in colder climates when temperatures drop below freezing.
Plumbing failures – Old or corroded pipes can develop leaks or burst unexpectedly.
Roof leaks – Heavy rain, snow, or poor maintenance can lead to leaks.
Sump pump failures – If your sump pump malfunctions, your basement could flood during storms.
Sewer backups – Blocked or overwhelmed sewer lines can push water back into your home.

Understanding these risks is the first step in preventing costly water damage.

How to Prevent Burst Pipes

Burst pipes are a leading cause of water damage, especially in the winter. Here’s how you can prevent them:

1. Insulate Your Pipes

Pipes in unheated areas, such as basements, attics, and garages, are particularly vulnerable to freezing. Use pipe insulation or heating tape to keep them warm.

2. Keep Your Home Heated

Maintain indoor temperatures above 55°F, even when you’re away. This helps prevent pipes from freezing.

3. Let Faucets Drip in Cold Weather

Allowing a slight trickle of water to run through your pipes can relieve pressure and prevent freezing.

4. Seal Leaks and Drafts

Cold air can seep into your home through gaps and cracks. Seal any openings around doors, windows, and where pipes enter the home.

5. Shut Off and Drain Outdoor Faucets

Before winter, disconnect garden hoses and shut off outdoor water supply lines to prevent freezing and bursting.

How to Protect Your Home from Flooding

Flooding can happen quickly, causing major damage. Take these steps to minimize your risk:

1. Maintain Your Gutters and Downspouts

Clogged gutters can cause water to overflow and pool around your foundation. Clean them regularly and ensure downspouts direct water at least 5 feet away from your home.

2. Install a Sump Pump with a Backup

A sump pump is crucial for preventing basement flooding. Make sure it’s functioning properly and consider a battery backup in case of power outages.

3. Grade Your Yard Away from the Home

Ensure your landscaping slopes away from your house to prevent water from accumulating around your foundation.

4. Install a Water Alarm

A water alarm detects leaks early, allowing you to take action before major damage occurs.

5. Check for Foundation Cracks

Seal any cracks in your home’s foundation to prevent water from seeping into your basement.

What to Do If You Experience Water Damage

Despite the best prevention efforts, water damage can still occur. If it happens to you, take these immediate steps:

Shut Off the Water Supply – If a pipe bursts, turn off the main water supply to prevent further damage.
Document the Damage – Take photos and videos of all affected areas and damaged items.
Remove Excess Water – Use towels, buckets, or a wet/dry vacuum to remove standing water.
Contact A H Neaman Company – As professional public adjusters in PA, WV, and MD, we specialize in handling water damage claims and ensuring homeowners receive full compensation from their insurance providers.
Start the Drying Process – Use fans and dehumidifiers to dry out the affected areas as soon as possible.

Why You Need a Public Adjuster for Water Damage Claims

Filing a water damage claim can be complex, and insurance companies often try to minimize payouts. A public adjuster like A H Neaman Company can:

Evaluate your policy to ensure coverage applies.
Assess the full extent of your damage and properly document your claim.
Negotiate with the insurance company to secure the maximum payout.
Ensure all covered repairs and replacements are included in the settlement.

With our expertise, you don’t have to navigate the claims process alone. We work for you, not the insurance company.

Call A H Neaman Company for Help

If you’re dealing with water damage from burst pipes, flooding, or leaks, don’t let your insurance company dictate your compensation. Call A H Neaman Company today! Our team of experienced public adjusters in PA, WV, and MD is here to fight for your rights and ensure you get the settlement you deserve.

Contact us today for a free consultation and let us help you protect your home and finances.

Water Damage from Burst Pipes

A H Neaman on March 12, 2025

Water damage from burst pipes can be a nightmare for homeowners. From structural issues to mold growth, the damage can be extensive and costly. If you’re dealing with water damage, you need to know how to properly file an insurance claim to maximize your coverage and ensure a smooth recovery process. At A H Neaman Company, we specialize in helping homeowners in Pennsylvania, West Virginia, and Maryland navigate the claims process and secure the compensation they deserve.

Common Causes of Burst Pipes

Understanding what causes burst pipes can help you prevent them in the future and strengthen your claim when dealing with an insurance provider. Some of the most common causes include:

Freezing Temperatures: In cold climates, water inside pipes can freeze, expand, and cause the pipe to burst.
Aging or Corroded Pipes: Over time, pipes can weaken due to wear and tear, increasing the risk of bursting.
Excessive Water Pressure: If the water pressure in your home is too high, it can strain your plumbing system, leading to bursts.
Clogs and Blockages: Debris or buildup inside pipes can create pressure points that eventually lead to leaks or bursts.
Improper Installation: Poor plumbing work or low-quality materials can result in pipe failures over time.

What to Do Immediately After a Burst Pipe

If a pipe bursts in your home, take these crucial steps to minimize damage and ensure a smooth insurance claim process:

Shut Off the Water Supply – Immediately turn off the main water valve to prevent further flooding.
Turn Off Electricity – If water is near electrical outlets or appliances, turn off the electricity to avoid hazards.
Document the Damage – Take detailed photos and videos of the affected areas, including soaked walls, flooring, and furniture.
Remove Excess Water – Use towels, mops, or a wet/dry vacuum to remove standing water to prevent mold growth.
Call a Public Adjuster – Contact A H Neaman Company to assess your damages, document your losses, and help you handle the insurance claim process.
Contact Your Insurance Company – Notify your insurer about the damage, but be cautious when discussing details until you have professional representation.
Prevent Further Damage – If safe to do so, move valuables to a dry area and place fans or dehumidifiers in affected spaces.

Does Homeowners Insurance Cover Burst Pipes?

Most homeowners insurance policies cover sudden and accidental water damage from burst pipes. However, coverage varies depending on your policy and the circumstances surrounding the incident. Here’s what you need to know:

Covered: If the burst pipe was unexpected and unavoidable, such as freezing despite proper precautions, your insurer is likely to cover the damage.
Not Covered: If the insurer deems the damage a result of neglect (e.g., failing to maintain pipes or heat your home), your claim may be denied.
Additional Coverage: Some policies exclude mold remediation, plumbing repairs, or temporary housing costs, so check your policy for additional coverage options.

Common Reasons for Water Damage from Burst Pipes Claim Denials

Insurance companies often look for ways to minimize payouts or deny claims. Here are some common reasons water damage claims get denied:

Gradual Damage: If the insurer believes the leak or burst pipe resulted from long-term neglect rather than a sudden event, they may deny the claim.
Failure to Take Preventive Measures: If you didn’t take reasonable steps to prevent freezing pipes, your claim could be rejected.
Late Reporting: Failing to notify your insurer in a timely manner may hurt your chances of getting compensated.
Insufficient Documentation: Lack of photos, videos, or records of maintenance can weaken your claim.

How a Public Adjuster Can Help with Your Burst Pipe Insurance Claim

Navigating an insurance claim on your own can be overwhelming, especially when dealing with a denied or underpaid claim. A public adjuster acts as your advocate, ensuring you receive the full compensation you deserve. Here’s how A H Neaman Company can help:

Assessing Damage Accurately: We thoroughly inspect your property and document the full extent of water damage.
Handling Documentation: We compile all necessary paperwork, including repair estimates, property inventories, and photo evidence.
Negotiating with Insurance Companies: We handle all communications and negotiations with your insurer to prevent lowball settlements.
Appealing Denied Claims: If your claim was denied, we can help you appeal the decision with strong evidence and expert testimony.

Why Choose A H Neaman Company?

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we have a proven track record of successfully helping homeowners recover from water damage. We work for you—not the insurance company—to ensure you receive a fair and just settlement.

Don’t let your insurance company undervalue your claim. If you’ve experienced water damage from a burst pipe, call A H Neaman Company today for expert assistance. We’ll handle the claims process so you can focus on restoring your home and moving forward with peace of mind.

Contact Us Today

If you’re facing water damage and need help with your insurance claim, don’t wait! Contact A H Neaman Company today to ensure you get the compensation you deserve. Let us fight for you!