Home Insurance Claim Archives - Page 10 of 11

A Burst Pipe in Your Business: Insurance Claim Tips

A H Neaman on December 2, 2024

A burst pipe can wreak havoc on your business, causing significant water damage, disrupting operations, and leading to costly repairs. Acting quickly is essential to minimize damage and ensure your insurance claim is successful. However, the claims process can be overwhelming, especially if you encounter pushback from your insurer. That’s where a public adjuster in Pittsburgh or other licensed areas can make a difference.

In this blog, we’ll explore the steps to handle a burst pipe at your business and provide tips for filing a successful insurance claim. If you’re in Pennsylvania, Maryland, or West Virginia, this guide is tailored to help you navigate this stressful situation effectively.

Immediate Steps to Take After a Burst Pipe

1. Shut Off the Water

The first and most crucial step is to shut off the main water supply to stop the flow. Locate the shutoff valve and turn it off immediately to prevent further damage.

2. Protect Your Property

Take steps to protect your property and inventory:

Move valuable items to a safe, dry area.
Use buckets, towels, or tarps to contain the water.
Set up fans or dehumidifiers to start the drying process.

3. Document the Damage

Before cleaning up, document everything thoroughly. Take clear photos and videos of:

The burst pipe and surrounding area.
Water-damaged items and property.
Any additional evidence of the incident, such as water stains or mold.

This documentation will be critical for your insurance claim.

4. Contact a Professional

Call a plumber to fix the burst pipe and prevent further issues. Keep all receipts for repairs and services, as they may be reimbursable.

Understanding Your Insurance Policy

Commercial property insurance typically covers water damage from sudden events, like a burst pipe. However, understanding the specifics of your policy is crucial:

Covered Perils: Most policies cover accidental water damage but exclude damage caused by neglect or gradual wear and tear.
Exclusions: Some policies may not cover damage if it’s determined that the pipe burst due to lack of maintenance.
Additional Coverages: Check if your policy includes business interruption insurance, which can help cover lost income while your business is closed for repairs.

A public insurance adjuster can help interpret your policy and ensure you receive the compensation you’re entitled to.

Tips for Filing an Insurance Claim for a Burst Pipe

Filing an insurance claim for a burst pipe can be complicated. Follow these tips to maximize your chances of a successful claim:

1. Notify Your Insurer Immediately

Report the incident to your insurance company as soon as possible. Provide them with a detailed account of what happened, including the date, time, and cause of the burst pipe.

2. Mitigate Further Damage

Insurance policies require you to take reasonable steps to prevent further damage. This includes drying out the area, repairing the pipe, and removing damaged items.

3. Keep All Records

Maintain a file of all documents related to the incident, including:

Photos and videos of the damage.
Repair receipts and invoices.
Communication with your insurer.

4. Get a Professional Assessment

Consider hiring a contractor or water damage specialist to assess the extent of the damage. Their estimate can serve as a counter to any lowball offers from your insurer.

5. Work with a Public Adjuster

Navigating the claims process can be daunting, especially if your insurer disputes your claim or offers an inadequate settlement. A public adjuster in Pittsburgh or other areas can advocate on your behalf, handling the documentation, negotiation, and communication with your insurer.

Why Public Adjusters Are Essential for Burst Pipe Claims

Expert Policy Interpretation

Public adjusters are skilled at reviewing insurance policies to identify coverages and exclusions that may affect your claim.

Comprehensive Documentation

They ensure that all damages are thoroughly documented, including hidden or secondary issues like mold growth or structural weakening.

Fair Settlement Negotiation

Insurance companies often aim to minimize payouts. Public adjusters negotiate with your insurer to secure a fair settlement that covers all repair and recovery costs.

Stress Reduction

By managing the claims process, public adjusters allow you to focus on getting your business back on track.

Handling Burst Pipe Claims Across State Lines

If your business is in Pennsylvania, Maryland, or West Virginia, it’s important to work with a public adjuster familiar with the insurance regulations in your state. Each state has unique laws and guidelines that can impact the claims process.

At A H Neaman Company, we have extensive experience handling burst pipe claims across these states, ensuring that businesses get the compensation they deserve.

How A H Neaman Company Can Help

Dealing with a burst pipe can be overwhelming, but you don’t have to navigate the claims process alone. A H Neaman Company specializes in helping businesses file and negotiate insurance claims for burst pipes and other property damages.

Here’s what we offer:

Expert policy reviews to determine coverage.
Comprehensive damage assessments and documentation.
Skilled negotiation with insurers to secure fair settlements.
Licensed services in Pennsylvania, Maryland, and West Virginia.

We’re committed to fighting for your best interests, so you can focus on restoring your business operations.

Conclusion

A burst pipe can cause significant disruption to your business, but with the right steps and professional support, you can minimize the impact. Acting quickly, documenting the damage, and working with a public adjuster in Pittsburgh or other licensed areas can ensure your claim is handled effectively.

At A H Neaman Company, we’re here to help you navigate the insurance claims process and secure the settlement you deserve. Contact us today to learn how we can assist you in fighting your claim and getting your business back on track. Don’t settle for less—let us advocate for you!

What to Do If Your Insurance Settlement Offer Is Too Low

A H Neaman on December 2, 2024

Experiencing property damage is stressful enough without the added frustration of a low settlement offer from your insurance company. Unfortunately, it’s a common scenario: policyholders believe their coverage will handle their losses, only to be met with a payout that barely scratches the surface of repair and replacement costs.

If you’ve received a insurance settlement offer that feels inadequate, you don’t have to accept it. This guide outlines actionable steps you can take to ensure you get the compensation you deserve. For those in Pittsburgh, Pennsylvania, Maryland, and West Virginia, working with a public adjuster like A H Neaman Company can make all the difference.

Why Do Insurance Companies Offer Low Settlements?

Insurance companies are businesses aiming to minimize their financial payouts. Several factors may contribute to a low settlement offer:

Incomplete Damage Assessment: The insurance adjuster may have overlooked hidden damage or underestimated repair costs.
Policy Misinterpretation: The insurer might interpret your policy terms in a way that limits their liability.
Negotiation Strategy: Insurers often start with a lower offer to test your willingness to settle quickly.
Exclusions or Limitations: Some aspects of your claim might fall into policy exclusions or have lower payout limits.

Understanding these tactics can prepare you to respond effectively.

Steps to Take When Your Settlement Offer Is Too Low

1. Review the Offer and Your Policy

Carefully review the settlement offer alongside your insurance policy. Pay close attention to:

Coverage limits.
Deductibles.
Exclusions or restrictions.

Cross-check the insurer’s reasons for the low offer against your policy terms. If the reasoning doesn’t align, you may have grounds for a dispute.

2. Request a Detailed Explanation

Ask your insurance company for a written breakdown of their calculations. Understanding how they arrived at the settlement amount can help you identify areas of disagreement or oversight.

3. Gather Supporting Evidence

If you believe the offer is too low, bolster your claim with additional evidence:

Damage Documentation: Take high-quality photos and videos of all damages, including those that may not have been included in the insurer’s assessment.
Repair Estimates: Get independent repair or replacement estimates from licensed contractors.
Historical Records: Provide receipts, invoices, or other records that establish the value of damaged property or belongings.

4. Write a Rebuttal Letter

Draft a detailed letter to your insurance company outlining why you believe the settlement offer is inadequate. Include:

Policy references that support your claim.
Supporting evidence like photos, estimates, and receipts.
A clear request for a revised offer.

This written record establishes your case and shows you’re serious about pursuing fair compensation.

5. Negotiate with Your Insurer

Insurance settlements often involve back-and-forth negotiation. Be prepared to:

Present your evidence confidently.
Counter any claims that seem unreasonable or unsupported.
Stick to the facts of your policy and documented damages.

While this process can be tedious, persistence is key.

6. Hire a Public Adjuster

If negotiations stall or the process becomes overwhelming, it’s time to involve a public insurance adjuster. Unlike the adjuster sent by your insurance company, a public adjuster works for you, advocating to maximize your claim.

Public adjusters bring expertise in:

Reviewing your policy for hidden coverage.
Conducting independent damage assessments.
Negotiating with insurance companies to secure fair compensation.

For business owners and homeowners in Pittsburgh, Maryland, and West Virginia, hiring a public adjuster like A H Neaman Company ensures your claim is handled professionally and effectively.

Common Mistakes to Avoid

1. Accepting the First Offer

Many policyholders feel pressured to accept the initial settlement offer, fearing delays or further complications. Resist this urge, especially if the offer doesn’t cover your losses.

2. Failing to Document All Damages

Overlooking minor or hidden damage can result in a lower payout. Be thorough when documenting the extent of your losses.

3. Ignoring Policy Details

Misunderstanding your policy can lead to missed opportunities for higher compensation.

4. Not Seeking Professional Help

Navigating a disputed claim alone can be challenging. A public adjuster brings expertise and negotiation skills that can make a significant difference.

The Role of Public Adjusters in Low Settlement Offers

A public adjuster acts as your advocate throughout the claims process, ensuring you’re not shortchanged by the insurance company. Here’s how they can help:

Policy Analysis: Public adjusters carefully examine your policy to identify coverage that the insurer may have overlooked.
Independent Valuation: They conduct their own damage assessment to determine the true cost of repairs or replacements.
Negotiation Expertise: With experience in handling claims, they know how to counter lowball offers effectively.
Stress Reduction: Public adjusters handle the complexities of the claim, allowing you to focus on rebuilding your home or business.

Why Choose A H Neaman Company?

If you’re dealing with a low insurance settlement offer, A H Neaman Company is here to help. Licensed in Pennsylvania, Maryland, and West Virginia, we specialize in advocating for homeowners and business owners facing unfair settlement practices.

Our Commitment

Maximizing your claim to reflect the full scope of your losses.
Providing transparent guidance throughout the process.
Leveraging our expertise to secure the payout you deserve.

Conclusion

A low insurance settlement offer doesn’t have to be the final word. By understanding your policy, documenting your damages, and leveraging the expertise of a public adjuster in Pittsburgh or beyond, you can push back and achieve fair compensation.

For professional support in navigating your insurance claim, trust A H Neaman Company. We’re dedicated to fighting for your rights and ensuring you receive the compensation you deserve. Contact us today to get started!

Flooded Basement? What to Know Before Filing Your Insurance Claim

A H Neaman on December 2, 2024

A flooded basement is a homeowner’s nightmare. Whether caused by heavy rain, a burst pipe, or sewer backup, the aftermath can be overwhelming. Filing an insurance claim can help cover the costs of water damage repair, but navigating the claims process isn’t always straightforward. Understanding your policy and the steps to take can make a significant difference in securing the compensation you deserve.

If you’re in Pittsburgh, PA, or the surrounding areas of Pennsylvania, Maryland, and West Virginia, this guide explains what you need to know before filing an insurance claim for a flooded basement and how working with a public adjuster can maximize your settlement.

Step 1: Identify the Cause of the Flood

The first step in addressing a flooded basement is identifying the source of the water. Insurance coverage varies depending on the cause.

Sewer Backup or Drain Overflow: Often requires a specific rider or endorsement on your homeowner’s policy.
Flooding Due to Weather: Typically excluded from standard policies and covered under a separate flood insurance policy.
Burst Pipes or Appliance Failures: Usually covered by standard homeowner’s insurance, provided it wasn’t due to neglect.

If you’re unsure about your coverage, a public insurance adjuster can review your policy and help clarify what’s covered.

Step 2: Mitigate Further Damage

Insurance companies require homeowners to take reasonable steps to prevent additional damage. This includes:

Removing Standing Water: Use a sump pump, wet/dry vacuum, or hire professionals for water removal.
Drying the Area: Use fans and dehumidifiers to prevent mold growth.
Documenting Before Cleanup: Take photos and videos of the damage before beginning cleanup to preserve evidence for your claim.

Save receipts for any emergency repairs or equipment rentals. These expenses may be reimbursable under your policy.

Step 3: Document the Damage

Accurate documentation is crucial to a successful insurance claim. Be thorough and detailed in recording the damage.

Photographic Evidence

Take clear photos of all affected areas, damaged items, and any visible cause of the flooding.
Include close-ups and wide-angle shots for context.

Inventory of Damaged Items

Create a list of personal belongings that were damaged, including descriptions, values, and purchase dates.
Gather receipts or proof of purchase for high-value items whenever possible.

Step 4: Review Your Insurance Policy

Before filing your claim, review your insurance policy to understand your coverage limits, exclusions, and deductibles. Look for:

Water Damage Coverage: Does your policy cover the specific type of water damage?
Exclusions: Are there any specific exclusions that may apply to your claim?
Additional Riders: Check for endorsements like sewer backup or flood insurance if applicable.

A public adjuster can assist in interpreting complex policy language and ensure you’re aware of your rights.

Step 5: File Your Insurance Claim

Contact your insurance company promptly to report the damage.

Provide Documentation: Submit your photos, inventory, and a description of the cause of the flood.
Request an Adjuster Visit: The insurance company will likely send their adjuster to assess the damage.
Be Detailed: Explain how the damage occurred and what steps you’ve taken to mitigate it.

Step 6: Understand Common Challenges

Flood-related claims can be tricky. Knowing the potential roadblocks can help you prepare:

Coverage Denials

Claims may be denied if the insurance company determines the damage wasn’t covered under your policy.

Undervalued Estimates

Insurance adjusters working for the company may undervalue repair costs or exclude certain damages.

Delayed Payments

Processing delays can leave you waiting for compensation when you need it most.

This is where a public insurance adjuster comes in. They work for you, not the insurance company, and ensure your claim is handled fairly and promptly.

Step 7: When to Call a Public Adjuster

Navigating a water damage claim can be overwhelming, especially when dealing with the aftermath of a flooded basement. A public adjuster can:

Evaluate the Damage: Provide an independent assessment of the damage to ensure nothing is overlooked.
Prepare a Detailed Claim: Handle the documentation and filing process with expertise.
Negotiate on Your Behalf: Advocate for a fair settlement that fully covers your losses.
Save You Time and Stress: Allow you to focus on recovery while they manage the claim process.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners in Pittsburgh, PA, and the surrounding states of Pennsylvania, Maryland, and West Virginia get the compensation they deserve after water damage.

Our Commitment to You

Thorough Assessments: We identify all damages, including hidden issues like mold or structural concerns.
Accurate Documentation: Our team compiles detailed evidence to strengthen your claim.
Dedicated Advocacy: We negotiate with your insurance company to ensure a fair settlement.

Dealing with a flooded basement is stressful enough—don’t let the insurance claims process add to your burden. Let A H Neaman Company guide you through the complexities and fight for the settlement you’re entitled to.

Conclusion

A flooded basement can cause extensive damage and disrupt your daily life. By following the right steps—documenting the damage, understanding your policy, and filing your claim promptly—you can increase your chances of a successful outcome.

When the claims process feels overwhelming, partnering with a public adjuster can make all the difference. At A H Neaman Company, we’re here to help homeowners in Pennsylvania, Maryland, and West Virginia navigate the insurance claims process and secure the settlements they deserve.

If you’re dealing with a flooded basement, contact A H Neaman Company today for expert guidance and unwavering support. Let us fight for your claim so you can focus on recovery.

The Importance of Accurate Documentation for Property Damage Claims

A H Neaman on December 2, 2024

Filing a property damage claims can be a challenging process, especially when trying to recover the maximum settlement for your losses. One of the most critical aspects of this process is maintaining accurate and thorough documentation. Without proper evidence, your claim could be delayed, undervalued, or even denied altogether.

For homeowners and business owners in Pittsburgh, PA, and the surrounding areas of Pennsylvania, Maryland, and West Virginia understanding how to document property damage effectively is essential. This guide explores the importance of accurate documentation and how a public adjuster can assist you in presenting a strong claim.

Why Accurate Documentation Matters in Property Damage Claims

When you file a claim for property damage, your insurance company requires evidence to assess the extent of the damage and determine the appropriate payout. Accurate documentation ensures:

Proof of Damage
Insurance companies rely on photos, videos, and written reports to validate your claim. Without these, it’s your word against theirs, making it harder to prove your losses.
Preventing Disputes
Clear documentation leaves little room for interpretation, reducing the likelihood of disputes over the cause or extent of the damage.
Maximizing Your Settlement
Comprehensive records help ensure that all damages are accounted for, preventing insurers from undervaluing your claim.
Compliance with Policy Requirements
Many insurance policies have specific guidelines for filing claims, including deadlines and required documentation. Failing to comply can jeopardize your coverage.

Key Steps for Documenting Property Damage Claims

1. Act Quickly

The sooner you document damage after an incident, the better. Waiting too long can lead to further deterioration, making it harder to prove the original extent of the damage.

2. Take Photographs and Videos

Capture All Angles: Take clear photos and videos of the damaged areas from multiple perspectives.
Highlight Specific Issues: Zoom in on cracks, leaks, burns, or other details to provide a complete picture of the damage.
Include Context: Show undamaged areas for comparison and include timestamps if possible.

3. Create a Detailed Inventory

For damaged belongings, list:

Item descriptions (e.g., brand, model, size).
Original purchase prices and dates.
Estimated repair or replacement costs.

Having receipts or proof of purchase strengthens your inventory.

4. Preserve Damaged Items

Do not discard damaged property until instructed by your insurance company. Insurers may need to inspect these items as part of their assessment.

5. Obtain Professional Assessments

Consider hiring a contractor, appraiser, or public adjuster to evaluate the damage. Their expertise can provide accurate repair estimates and uncover issues you might overlook.

6. Document Communication

Keep a record of all communication with your insurance company, including:

Emails and letters.
Phone call logs (include dates, times, and names of representatives).

These records can be crucial if disputes arise.

Challenges Homeowners Face with Documentation

Despite your best efforts, documenting property damage can still be overwhelming. Common challenges include:

Overlooking Hidden Damage: Issues like structural weakening or water damage inside walls may not be immediately visible.
Lack of Expertise: Knowing what the insurance company needs and how to present it isn’t always straightforward.
Time Constraints: Balancing documentation with urgent repairs and daily responsibilities can be difficult.

This is where working with a public insurance adjuster can make a significant difference.

How a Public Adjuster Can Help with Documentation

A public adjuster is a licensed professional who advocates for you during the insurance claims process. They handle the heavy lifting of documenting your property damage and ensure your claim is as strong as possible.

Comprehensive Damage Assessment

Public adjusters are trained to identify all damages, including those that are less obvious or hidden from plain sight.

Professional Documentation

They create thorough reports with supporting evidence, including:

Photographs and videos.
Repair estimates from trusted contractors.
Detailed descriptions of the damage.

Policy Guidance

Public adjusters understand insurance policies inside and out. They ensure your documentation aligns with your policy’s requirements, avoiding potential pitfalls.

Maximizing Your Settlement

By presenting clear, organized, and compelling documentation, public adjusters help secure a fair and full settlement.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners and business owners navigate the complex world of insurance claims. With years of experience, we know what it takes to build a strong case and ensure our clients receive the compensation they deserve.

Here’s how we can help:

Expert Documentation: Our team meticulously assesses and documents your property damage, leaving no detail overlooked.
Claims Management: We handle communication with your insurance company, saving you time and stress.
Licensed in Multiple States: We proudly serve clients in Pittsburgh, PA, as well as across Pennsylvania, Maryland, and West Virginia.

If you’re struggling with your property damage claim, let A H Neaman Company be your advocate. We’ll fight for your rights and help you get the settlement you need to recover.

Conclusion

Accurate documentation is the foundation of a successful property damage claim. Without it, you risk delays, disputes, or even a denied claim. By acting quickly, gathering comprehensive evidence, and partnering with a public adjuster like A H Neaman Company, you can streamline the process and maximize your payout.

Don’t let poor documentation cost you the settlement you deserve. Contact A H Neaman Company today for expert guidance and support. We’re here to help homeowners and business owners in Pennsylvania, Maryland and West Virginia secure the compensation they’re entitled to.

Hail Damage to Your Home? When to Call a Public Adjuster

A H Neaman on November 26, 2024

Hailstorms can wreak havoc on your home, leaving behind damaged roofs, dented siding, and broken windows. As a homeowner, dealing with hail damage is stressful enough without the added complexity of navigating an insurance claim. Many people find themselves at a disadvantage when working directly with insurance companies, as insurers may try to minimize payouts or deny claims altogether. This is where a public insurance adjuster can step in to make a significant difference.

If you’re in Pittsburgh, PA, or the surrounding regions of Pennsylvania, Maryland, West Virginia, and Tennessee, this guide will explain how hail damage claims work and why partnering with a public adjuster is essential to securing the compensation you deserve.

How Does Hail Damage Impact Your Home?

Hailstones can range in size from tiny pellets to golf balls or larger. Depending on the severity of the storm, hail can cause:

Roof Damage: Shingles may crack, curl, or lose granules, making your roof vulnerable to leaks and water damage.
Siding Dents or Cracks: Hailstones can leave unsightly marks or cracks in your home’s siding.
Broken Windows: Large hailstones can shatter windows, leaving your home exposed to the elements.
Damage to Gutters and Downspouts: Hail can dent or dislodge gutters, disrupting proper drainage.

While some damage is immediately visible, other issues, such as minor roof cracks or weakened shingles, may go unnoticed until they lead to bigger problems. That’s why it’s crucial to thoroughly inspect your home after a hailstorm.

Step 1: Inspect Your Home After a Hailstorm

After the storm has passed, take the following steps to assess the damage:

Document the Damage: Use a camera to take photos and videos of the affected areas, including your roof, siding, windows, and gutters.
Save Evidence of the Hailstorm: If possible, take pictures of the hailstones and measure their size to support your claim.
Look for Leaks: Check for water damage or leaks in your attic and ceilings, which may indicate roof damage.
Hire a Professional Inspection: Consider hiring a roofing or siding professional to assess the full extent of the damage.

Step 2: Understand Your Insurance Policy

Insurance coverage for hail damage varies depending on your policy. Most homeowners’ policies cover hail damage, but there may be:

Coverage Limits: Some policies have caps on what they will pay for hail-related repairs.
Exclusions: Certain types of damage may not be covered, especially if the insurer believes the damage resulted from neglect.
Deductibles: High deductibles for wind and hail damage may apply, meaning you’ll pay more out of pocket before coverage kicks in.

Reviewing your policy can be confusing, but a public insurance adjuster can help interpret its terms to ensure you understand your rights.

Step 3: File a Hail Damage Claim

Filing a hail damage claim involves notifying your insurance company and providing all necessary documentation. Be prepared to:

Submit Evidence: Provide photos, videos, and inspection reports to prove the extent of the damage.
Communicate the Cause: Clearly state that hail caused the damage, as insurers often scrutinize the source.
Meet Deadlines: File your claim promptly, as delays could jeopardize your coverage.

While filing a claim may seem straightforward, insurance companies often look for ways to minimize payouts. This is why hiring a public adjuster can make all the difference.

How a Public Adjuster Can Help with Hail Damage Claims

A public adjuster is a licensed professional who works on your behalf—not the insurance company. Their goal is to ensure you receive the maximum settlement for your hail damage claim. Here’s how they can help:

Policy Review

Public adjusters have extensive knowledge of insurance policies. They can:

Identify the coverage you’re entitled to under your policy.
Spot exclusions or limitations that could affect your claim.

Damage Assessment

Public adjusters perform thorough inspections to ensure all hail damage is accounted for. They may uncover issues overlooked by the insurance company’s adjuster, such as:

Hidden roof damage.
Structural vulnerabilities.
Secondary damage caused by the storm.

Claims Management

From filing the claim to negotiating the settlement, a public adjuster handles every aspect of the process, including:

Preparing and submitting required documentation.
Communicating with the insurance company on your behalf.
Challenging lowball offers or denied claims.

By partnering with a public adjuster, you can focus on restoring your home while they handle the complexities of your claim.

When Should You Call a Public Adjuster?

It’s wise to contact a public adjuster as soon as you notice hail damage or suspect your insurance company may not offer a fair settlement. A public adjuster can step in if:

Your Claim is Denied: They can review the denial and help you appeal.
You Receive a Low Offer: They can negotiate a higher settlement.
The Process is Overwhelming: They can take the stress out of managing the claim.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners in Pittsburgh, PA, and across Pennsylvania, Maryland, West Virginia, and Tennessee navigate the insurance claims process. Whether your hail damage claim is straightforward or complicated, our experienced public adjusters are here to:

Advocate for your best interests.
Maximize your settlement.
Provide peace of mind throughout the process.

We understand how frustrating it is to deal with storm damage, and we’re committed to ensuring you receive the compensation you deserve.

Conclusion

Hail damage can leave your home vulnerable and your wallet strained, but you don’t have to face the insurance claims process alone. A public insurance adjuster can be your strongest ally, ensuring your claim is handled correctly and your settlement reflects the true cost of repairs.

If hail damage has impacted your home, contact A H Neaman Company today. We’ll fight for your rights and help you get the money you need to restore your property. Let us take the stress out of the claims process so you can focus on getting your home back to normal.

How to File a Claim for Mold Damage in Your Home

A H Neaman on November 26, 2024

Mold is a homeowner’s nightmare, potentially causing structural damage and posing health risks for your family. Filing an insurance claim for mold damage can be a daunting process, especially with the complexities of insurance policies and varying levels of coverage. If you’re facing mold damage in your home, understanding the claims process and how a public insurance adjuster can assist is essential to maximizing your compensation.

For homeowners in Pittsburgh, PA, and across Pennsylvania, Maryland, West Virginia, and Tennessee, this guide will walk you through the steps to file a mold damage claim and ensure you’re equipped to handle this challenging situation.

Step 1: Determine Your Insurance Coverage for Mold

Not all homeowners’ insurance policies cover mold damage. Coverage largely depends on the cause of the mold growth. Insurance typically covers mold if it results from a sudden and accidental event, such as:

A burst pipe
Storm-related water intrusion
Water heater malfunction

However, mold caused by neglect, long-term leaks, or high humidity levels is usually excluded. Reviewing your insurance policy carefully is the first step in understanding your coverage. If the language is unclear, a public adjustercan help interpret the policy and identify potential coverage.

Step 2: Document the Mold Damage

Proper documentation is critical for any insurance claim. When you discover mold in your home, take the following steps to record the damage:

Photographs and Videos: Capture images of the mold and the surrounding areas.
Evidence of the Cause: Document the source of water intrusion or moisture that led to the mold.
Receipts for Repairs: If you’ve made any immediate repairs to prevent further damage, keep all receipts and invoices.
Health Records: If family members experience health issues related to mold exposure, retain medical records and bills as evidence.

Step 3: Mitigate Further Damage

Insurance policies require homeowners to take reasonable steps to prevent further damage after discovering an issue. This could include:

Drying out affected areas with fans or dehumidifiers.
Sealing off the mold-affected area to prevent it from spreading.
Hiring a professional mold remediation company to assess the damage.

Keep receipts for any expenses incurred during this process, as they may be reimbursable under your policy.

Step 4: Notify Your Insurance Company

File your claim with your insurance company as soon as possible. Delays in reporting the damage can result in your claim being denied. When filing your claim:

Provide a detailed account of the mold damage and its cause.
Submit all supporting documentation, including photos, videos, and repair receipts.
Request a copy of your claim file for your records.

Step 5: Work with a Public Insurance Adjuster

Navigating the claims process for mold damage can be complex, and insurance companies may try to minimize payouts. A public insurance adjuster works on your behalf to ensure you receive the compensation you deserve. Here’s how they can help:

Policy Review

Public adjusters are experts in interpreting insurance policies. They can:

Identify coverage for mold damage.
Explain exclusions and limitations.
Ensure your claim aligns with your policy’s terms.

Damage Assessment

A public adjuster will thoroughly evaluate the mold damage and its underlying causes. This includes:

Estimating the cost of repairs and remediation.
Identifying related damages, such as structural issues or water damage.

Claims Management

From filing the claim to negotiating with the insurer, a public adjuster manages the entire process. They will:

Compile and submit required documentation.
Communicate with the insurance company to advocate for a fair settlement.

Common Challenges in Mold Damage Claims

Filing a mold damage claim comes with unique challenges, including:

Limited Coverage
Many policies cap the amount they will pay for mold remediation, often excluding mold caused by long-term issues.
Disputes Over Cause
Insurance companies may argue that the mold resulted from neglect or excluded causes, such as high humidity.
Lowball Offers
Insurers might offer settlements that don’t fully cover the cost of remediation and repairs.

Working with a public adjuster can help you overcome these challenges by ensuring your claim is backed by strong evidence and expert advocacy.

Why Choose A H Neaman Company?

At A H Neaman Company, we understand the frustration of dealing with mold damage and the complexities of insurance claims. Serving homeowners in Pittsburgh, PA, as well as Pennsylvania, Maryland, West Virginia, and Tennessee, we specialize in helping clients navigate the claims process and secure maximum compensation.

What We Offer:

Expert Policy Analysis: We’ll review your policy to identify all potential coverage.
Thorough Documentation: Our team will ensure your claim includes all necessary evidence.
Skilled Negotiation: We advocate for your best interests, standing up to insurers on your behalf.

Don’t let a mold damage claim overwhelm you. Let A H Neaman Company handle the hard work so you can focus on restoring your home and protecting your family’s health.

Conclusion

Filing a mold damage claim doesn’t have to be a daunting experience. By understanding your policy, documenting the damage, and partnering with a public adjuster, you can ensure a smoother process and a more favorable outcome.

Get the Compensation You Deserve

If mold damage has affected your home, don’t navigate the claims process alone. Contact A H Neaman Company today. We’ll fight for your rights and help you secure the money you need to restore your home and safeguard your family.

Steps to Take After Storm Damage: A Guide for Homeowners

A H Neaman on November 26, 2024

Storms can strike without warning, leaving homeowners to deal with the aftermath of damage to their property. From fallen trees to roof leaks and flooding, storm damage can be overwhelming and stressful. Knowing the right steps to take after storm damage can help you navigate the recovery process more efficiently and maximize your insurance claim.

If you’re a homeowner in Pittsburgh, PA, or the surrounding states of Pennsylvania, Maryland, West Virginia, and Tennessee, this guide will outline the steps you should take following storm damage and explain how A H Neaman Company, a trusted public insurance adjuster, can help you secure the compensation you deserve.

Storm Damage

1. Ensure Safety First

After a storm, your safety and that of your family should be your top priority. Before assessing the damage:

Avoid Hazardous Areas: Stay away from downed power lines, unstable structures, or waterlogged areas that could pose electrical risks.
Turn Off Utilities: If you suspect damage to your gas lines, water system, or electrical wiring, turn off utilities and contact the proper authorities.
Seek Shelter: If your home is severely damaged and unsafe, find temporary shelter until repairs can be made.

2. Document the Storm Damage

Once it’s safe to return, begin documenting the storm damage to your property. Proper documentation is essential for filing an insurance claim.

Take Photos and Videos: Capture clear images and videos of all visible damage, including your roof, siding, windows, interior rooms, and personal belongings.
Make a List: Create an inventory of damaged items and their estimated value. Include receipts if possible.
Log the Event: Write down the date and time of the storm, along with any details that may be relevant to your claim.

3. Prevent Further Storm Damage

Most insurance policies require homeowners to take reasonable steps to prevent further damage to their property after an incident.

Cover Openings: Use tarps or plywood to temporarily seal roof holes, broken windows, or damaged walls.
Remove Standing Water: If safe, remove water from flooded areas to prevent mold and structural damage.
Save Receipts: Keep records of all expenses related to temporary repairs or alternative living arrangements. These costs may be reimbursed under your insurance policy.

4. Review Your Insurance Policy

Understanding the specifics of your homeowner’s insurance policy is crucial when filing a claim. Look for:

Coverage Limits: Determine what types of storm damage are covered and the maximum payout limits.
Exclusions: Identify any exclusions, such as flood or wind damage, that may require separate policies.
Deductibles: Know how much you’ll need to pay out of pocket before your coverage kicks in.

If you’re unsure about your coverage, a public insurance adjuster can help interpret your policy and ensure you’re filing a claim for all applicable damages.

5. Contact Your Insurance Company

Notify your insurance company as soon as possible to begin the claims process. Provide them with:

A detailed account of the damage
Photos, videos, and receipts for temporary repairs
Any questions you have about the claims process

6. Avoid Rushing Into Repairs

While it’s important to prevent further damage, hold off on permanent repairs until your insurance adjuster has assessed the damage.

Preserve Evidence: Leave the damaged areas untouched so they can be thoroughly inspected.
Be Wary of Contractors: Avoid hiring contractors who pressure you into immediate repairs before your claim is approved.

7. Consider Hiring a Public Insurance Adjuster

The claims process can be complex and time-consuming. Hiring a public insurance adjuster can make all the difference in securing the settlement you deserve.

How a Public Adjuster Helps

Accurate Damage Assessment: Public adjusters conduct a thorough evaluation of your property to ensure all damages are accounted for.
Policy Expertise: They understand insurance policies and can identify hidden coverages.
Claims Negotiation: Public adjusters represent your interests during negotiations with your insurance company.
Maximized Settlement: They work to secure the maximum payout to cover your repairs and losses.

8. Keep Detailed Records

Throughout the claims process, maintain a file with all relevant documents, including:

Copies of your insurance policy
Correspondence with your insurance company
Estimates and invoices from contractors
Receipts for temporary repairs and living expenses

How A H Neaman Company Can Help

At A H Neaman Company, we understand how overwhelming storm damage can be. As experienced public insurance adjusters, we specialize in helping homeowners in Pittsburgh, PA, and the states of Pennsylvania, Maryland, West Virginia, and Tennessee navigate the claims process.

Why Choose A H Neaman Company?

Expert Representation: We handle every aspect of your claim, from documenting damages to negotiating with your insurer.
Maximized Settlements: Our goal is to secure the compensation you deserve to fully restore your property.
Local Knowledge: With extensive experience in the areas we serve, we understand the unique challenges homeowners face after a storm.

Conclusion

Dealing with storm damage is never easy, but knowing the steps to take can help you protect your home and secure the compensation you need to recover.

Let A H Neaman Company Help You Rebuild After Storm Damage

If your home has suffered storm damage, don’t face the insurance claims process alone. Contact A H Neaman Company today to fight your claim and get the money you deserve. With our expertise and dedication, we’ll ensure you receive the maximum payout to restore your home and peace of mind.

Why Insurance Claims Get Denied: What You Can Do as a Homeowner

A H Neaman on November 26, 2024

Filing an insurance claim after damage to your home can be stressful, especially when you rely on your policy to cover repair costs. Unfortunately, insurance claims are not always approved. Denials can leave homeowners feeling frustrated and uncertain about their options. Understanding why insurance claims get denied and knowing what steps to take can help you navigate this challenging process.

If you’re a homeowner in Pittsburgh, PA, or anywhere in Pennsylvania, Maryland, West Virginia, or Tennessee, A H Neaman Company is here to help. As experienced public insurance adjusters, we specialize in fighting for fair compensation and ensuring homeowners get the money they deserve.

Common Reasons Insurance Claims Get Denied

1. Lack of Coverage

Insurance policies vary significantly, and not all types of damage are covered. For example:

Flood damage may require separate flood insurance.
Gradual wear and tear or neglect is typically excluded.
Homeowners often discover coverage gaps only after filing a claim, which can lead to denials.

2. Missed Deadlines

Insurance companies impose strict timelines for reporting and filing claims. Failing to notify your insurer promptly after a loss can result in a denied claim.

3. Insufficient Documentation

Claims require detailed evidence, including photos, videos, receipts, and repair estimates. Without proper documentation, insurers may deny or reduce payouts, citing insufficient proof of damage.

4. Policy Exclusions

Certain damages may fall under exclusions in your policy. For instance, many policies exclude damage caused by:

Earthquakes
Sewer backups
Maintenance issues

5. Pre-Existing Damage

Insurers may argue that the damage you’re claiming existed before the covered event. Without clear evidence, such as inspection reports, it can be difficult to prove otherwise.

6. Disputes Over Cause of Damage

Insurers may claim the damage was caused by an uncovered event, such as normal wear and tear, instead of a covered peril like a storm or fire.

7. Allegations of Fraud or Misrepresentation

If an insurer suspects a homeowner of inflating damages or providing misleading information, they may deny the claim outright.

Steps to Take if Your Insurance Claim is Denied

A denied insurance claim isn’t the end of the road. Homeowners have several options to challenge or resolve a denial.

1. Review the Denial Letter

The first step is understanding why your claim was denied. Insurance companies are required to provide an explanation, usually in a denial letter. Carefully review:

The stated reason for denial
Relevant policy terms or exclusions cited

2. Gather Additional Evidence

Strengthen your case by collecting more documentation, such as:

Updated photos or videos of the damage
Professional repair estimates
Expert opinions (e.g., contractors or engineers)

3. Request a Re-Evaluation

Contact your insurer and request a review of your claim. Sometimes, providing additional evidence or clarifying misunderstandings can result in a reversal of the denial.

4. Seek a Public Insurance Adjuster

Hiring a public insurance adjuster can make a significant difference. Public adjusters represent policyholders, not insurance companies, and can:

Conduct a detailed assessment of your damage
Interpret your policy and identify overlooked coverages
Negotiate with the insurer on your behalf

5. File a Formal Appeal

Most insurance companies have an appeals process for denied claims. Follow the steps outlined in your policy and include supporting documentation.

6. Consider Legal Action

If your appeal is unsuccessful, consult with an attorney experienced in insurance law. Legal action may be necessary for particularly contentious claims.

How to Avoid a Denied Insurance Claim

1. Understand Your Policy

Familiarize yourself with the details of your insurance coverage, including:

Covered perils and exclusions
Policy limits
Endorsements or additional coverages

2. Maintain Your Property

Regular maintenance can help prevent damage and avoid claims being denied for neglect.

Clean gutters to prevent water damage.
Address minor roof repairs before they become major issues.

3. Act Quickly After a Loss

Promptly report damage to your insurer, document the loss, and begin mitigation efforts to prevent further harm.

4. Be Honest and Transparent

Provide accurate information when filing your claim. Even unintentional misstatements can raise red flags.

5. Work with a Public Adjuster from the Start

Public adjusters can ensure your claim is prepared correctly from the beginning, reducing the likelihood of denial or disputes.

Why Hire a Public Insurance Adjuster?

Expertise in Claims Process

Public adjusters understand the complexities of insurance policies and the claims process.

Maximized Settlements

By thoroughly documenting damage and negotiating with insurers, public adjusters help policyholders receive the compensation they’re entitled to.

Time Savings

Managing a claim can be time-consuming. Public adjusters handle the paperwork, communication, and negotiations, giving homeowners peace of mind.

A H Neaman Company: Your Advocate for Insurance Claims

At A H Neaman Company, we are dedicated to helping homeowners fight for fair settlements. Whether your claim has been denied or you’re navigating the process for the first time, we bring the expertise needed to secure the best outcome.

Why Choose Us?

Local Expertise: Serving homeowners in Pittsburgh, PA, and licensed in Pennsylvania, Maryland, West Virginia, and Tennessee.
Proven Results: We’ve helped countless homeowners maximize their insurance claims.
Client-Focused Service: Your satisfaction is our priority.

Conclusion

A denied insurance claim can be disheartening, but understanding the reasons for denials and taking the right steps can help homeowners protect their rights.

Let A H Neaman Company Fight for You

If your claim has been denied or you want expert guidance through the claims process, contact A H Neaman Company today. We’ll help you fight your claim and get the money you deserve.

Does Your Homeowner’s Insurance Cover Roof Damage?

A H Neaman on November 26, 2024

Roof damage can be one of the most stressful and costly issues homeowners face. Whether caused by severe weather, falling debris, or wear and tear, the question of whether your homeowner’s insurance covers roof damage can determine how quickly and effectively you can make repairs.

In this guide, we’ll explore the key factors influencing roof damage coverage, the steps to take when filing a claim, and how a public insurance adjuster can help maximize your settlement. If you’re a homeowner in Pittsburgh, PA, or licensed areas such as Pennsylvania, Maryland, West Virginia, and Tennessee, A H Neaman Company is here to assist you in navigating the claims process and fighting for the compensation you deserve.

What Does Homeowner’s Insurance Cover for Roof Damage?

Most homeowner’s insurance policies provide some level of coverage for roof damage, but the specifics depend on the cause of the damage, the type of policy, and its terms.

Covered Roof Damage

Weather-Related Incidents
- Damage caused by windstorms, hail, or heavy snow is typically covered under standard homeowner’s insurance policies.
- Example: If a tree falls on your roof during a storm, your policy will likely cover the repairs or replacement.
Accidental Damage
- Sudden and unexpected damage, like a roof collapse due to weight from snow or ice, is generally covered.

Excluded Roof Damage

Wear and Tear
- Routine maintenance issues, such as gradual aging or failure to repair previous damages, are not covered.
- Example: If your roof leaks due to worn shingles, your claim may be denied.
Negligence
- Policies often exclude damages caused by lack of upkeep or ignored warnings of potential issues.
Flood Damage
- Standard policies typically do not cover flood-related roof damage unless you have a separate flood insurance policy.

Key Factors Affecting Roof Damage Claims

1. The Age of Your Roof

Roofs older than 20 years may only be partially covered or not covered at all, depending on the policy.
Some insurers depreciate the value of older roofs, offering settlements based on the roof’s actual cash value rather than its replacement cost.

2. Policy Type

Replacement Cost Policy: Covers the cost to replace your roof with similar materials.
Actual Cash Value Policy: Takes depreciation into account, often resulting in a lower payout.

3. Cause of Damage

Insurers will closely examine the cause of roof damage to determine whether it qualifies for coverage.
Disputes often arise over whether the damage was caused by a covered event or pre-existing conditions.

Steps to Take After Roof Damage

1. Assess the Damage

After ensuring it’s safe to do so, inspect the roof for visible issues such as missing shingles, holes, or sagging.
Take clear, timestamped photos of all damages as evidence.

2. Prevent Further Damage

Temporary repairs, like tarping holes, can help prevent additional issues while you wait for professional repairs.
Keep receipts for these actions, as they may be reimbursable.

3. Contact Your Insurance Provider

Notify your insurer promptly to begin the claims process.
Be prepared to provide detailed information and documentation.

4. Hire a Public Adjuster

A public insurance adjuster like A H Neaman Company can review your policy, assess the damage, and handle negotiations with your insurer to ensure you receive a fair settlement.

Common Challenges in Roof Damage Claims

Homeowners often encounter hurdles when filing roof damage claims, such as:

Denials Due to Wear and Tear: Insurers may argue the damage was caused by aging, not a covered event.
Low Settlement Offers: Initial payouts often don’t reflect the true cost of repairs or replacement.
Insufficient Documentation: Missing or unclear evidence can result in claim delays or denials.
Disputes Over Coverage: Insurers may question the cause of damage or classify it as an excluded event.

Why Hire a Public Adjuster for Roof Damage Claims?

1. Accurate Damage Assessment

Public adjusters perform thorough inspections to identify all damage, including issues not immediately visible, such as underlying structural problems.

2. Policy Expertise

They review your insurance policy to determine the extent of your coverage and ensure no benefits are overlooked.

3. Negotiation Power

Public adjusters advocate for your best interests, challenging low offers and negotiating for a settlement that covers the full cost of repairs or replacement.

4. Stress Reduction

By handling the paperwork, documentation, and negotiations, public adjusters save homeowners time and effort during an already stressful period.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners in Pittsburgh, PA, and surrounding areas in Pennsylvania, Maryland, West Virginia, and Tennessee navigate the complexities of roof damage claims.

Our Services Include:

Comprehensive damage evaluations
Policy analysis to maximize your coverage
Professional documentation and evidence gathering
Expert negotiation with insurance companies

With our proven track record, we’ve helped countless homeowners secure the settlements they deserve.

Proactive Tips to Avoid Roof Damage

While not all roof damage is preventable, taking these steps can help reduce the risk:

Regular Maintenance: Schedule annual inspections and promptly repair minor issues.
Gutter Cleaning: Clear gutters to prevent water pooling on your roof.
Trim Trees: Remove overhanging branches that could fall during storms.
Invest in Quality Materials: Durable, weather-resistant roofing materials can withstand harsh conditions better.

Conclusion

Roof damage can disrupt your life and your finances, but understanding your homeowner’s insurance policy and taking the right steps can help you recover more effectively. If you’re struggling with a claim or need expert guidance, hiring a public insurance adjuster is the best way to ensure a fair outcome.

Let A H Neaman Company Help You Maximize Your Claim

At A H Neaman Company, we’re dedicated to helping homeowners fight for the settlements they deserve. Whether you’re in Pittsburgh, PA, or neighboring areas in Pennsylvania, Maryland, West Virginia, and Tennessee, our team is ready to assist you.

Contact us today to schedule a free consultation and let us help you secure the compensation you need to repair your roof and protect your home!

Steps to Take After Storm Damage: A Guide for Homeowners

A H Neaman on November 24, 2024

Storms can strike unexpectedly, leaving behind significant damage to your home. From roof leaks to fallen trees and flooding, the aftermath of a storm can be overwhelming. Taking the right steps immediately after storm damage is crucial to ensure your safety, protect your property, and secure the compensation you deserve from your insurance provider.

If you live in Pittsburgh, PA, or nearby areas in West Virginia, Pennsylvania, or Maryland, this guide will walk you through the essential actions to take after storm damage and explain how A H Neaman Company can help you maximize your insurance claim.

1. Ensure Safety First

Storm damage often leaves behind hazards like downed power lines, broken glass, and unstable structures. Before doing anything else:

Inspect for Immediate Dangers: Look for loose debris, water intrusion, and structural instability.
Turn Off Utilities: If water or electrical damage is present, shut off utilities to prevent further risks.
Evacuate If Necessary: If your home is unsafe, prioritize your family’s safety and find temporary shelter.

2. Document the Damage

Comprehensive documentation is critical for your insurance claim. Before cleaning up, take the following steps:

Photograph and Video Evidence: Capture detailed photos and videos of all visible damage, including the roof, walls, windows, and personal belongings.
List Damaged Items: Create an inventory of damaged possessions, noting their value and purchase dates.
Save Receipts: If you need temporary repairs or accommodations, save all receipts as proof of additional expenses.

Accurate documentation strengthens your claim and ensures you’re fairly compensated.

3. Prevent Further Damage

Insurance policies require homeowners to mitigate further damage to their property. After documenting the storm damage:

Cover Roof Leaks: Use tarps or plastic sheeting to cover holes in the roof or broken windows.
Remove Debris Safely: Clear away any hazardous debris, but avoid making permanent repairs until the insurance adjuster has assessed the damage.
Dry Out Water Damage: Use fans or dehumidifiers to prevent mold growth if water has entered your home.

4. Contact Your Insurance Provider

Notify your insurance company as soon as possible. When making your initial call:

Provide a brief description of the damage.
Confirm your policy details, including coverage for storm-related damages.
Request a timeline for when the insurance adjuster will inspect your home.

5. Understand Your Policy Coverage

Storm damage coverage varies by policy. Key things to review include:

Covered Perils: Verify that your policy covers the type of storm damage (e.g., wind, hail, or flooding).
Deductibles: Be aware of the deductible amount you’ll need to pay before receiving compensation.
Exclusions: Understand any exclusions, such as damage caused by wear and tear or uncovered perils like flood damage (unless you have a separate flood insurance policy).

6. Consult a Public Insurance Adjuster

Storm damage claims can be complex, and insurance companies may not always offer a fair settlement. This is where a public insurance adjuster like A H Neaman Company can make a significant difference.

How a Public Adjuster Can Help:

Policy Expertise: We’ll thoroughly review your insurance policy to identify all applicable coverages.
Damage Assessment: Our team conducts a detailed inspection to document every aspect of the damage, ensuring nothing is overlooked.
Claim Preparation: We compile the necessary evidence, including photos, repair estimates, and receipts, to build a strong claim.
Fair Settlement Negotiation: We advocate for you during negotiations, ensuring you receive the maximum compensation you’re entitled to.

Handling storm damage claims alone can be overwhelming, but with A H Neaman Company on your side, you can focus on recovering while we handle the complexities of your claim.

7. Hire Reputable Contractors for Repairs

Once your claim is approved, hire experienced and licensed contractors to repair the damage. Look for contractors who:

Provide written estimates.
Are licensed and insured.
Have positive reviews or references.

Avoid working with “storm chasers” or unlicensed individuals offering quick fixes, as this can lead to subpar repairs and further complications.

8. Monitor the Claim Process

Stay in regular contact with your insurance company or public adjuster to ensure your claim progresses smoothly. Keep copies of all correspondence and follow up if there are delays.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners recover after storm damage. Our licensed public insurance adjusters are dedicated to maximizing your claim, ensuring you receive fair compensation to repair and restore your home.

Serving Pittsburgh, PA, and Beyond

We proudly serve clients in Pittsburgh, PA, as well as West Virginia, Pennsylvania, and Maryland. Whether you’re dealing with roof damage, flooding, or fallen trees, we have the expertise and experience to guide you through the claim process with confidence.

Real-Life Example

Helping a Homeowner Recover After a Severe Storm

A family in Pittsburgh suffered significant storm damage when high winds tore off parts of their roof, causing water to flood their attic. Their insurance company’s initial settlement offer didn’t cover the full cost of repairs.

When they turned to A H Neaman Company, our public adjusters conducted a detailed inspection, compiled additional evidence, and successfully negotiated a settlement that fully covered their repair expenses.

Don’t Navigate Storm Damage Alone

Storm damage can leave you feeling overwhelmed, but you don’t have to face it alone. Let A H Neaman Company handle the insurance process for you.