Home Insurance Claim Archives - Page 2 of 11

How to Prevent Insurance Claim Denials for Water Damage

A H Neaman on April 14, 2025

Water damage can disrupt your home and cause significant costs. Whether from burst pipes, roof leaks, or flooding, it’s essential to understand how insurance claims for water damage work. If you don’t take the right steps, your could experience insurance claim denials. By being proactive, you can reduce the chances of this happening.

If you live in Pennsylvania, West Virginia, or Maryland, A H Neaman Company can help. As experienced public adjusters, we work for you, ensuring your claim gets processed correctly. In this blog, we’ll share why water damage claims get denied and how you can prevent it.

Common Reasons for Water Damage Insurance Claim Denials

Insurance claims for water damage are sometimes denied. This can happen for various reasons, some of which are avoidable. The most common reasons for denials include:

Lack of Maintenance: If damage results from poor maintenance, insurance may deny the claim. For example, leaking pipes or a damaged roof may be excluded if the problem was neglected over time.
Flood Damage: Flood damage isn’t covered by most homeowners policies. If flooding causes water damage, you’ll need a separate flood insurance policy.
Exceeding Coverage Limits: If your damage exceeds your policy’s limits, the insurer may cover only part of the cost or deny the claim.
Not Documenting the Damage: If you don’t document the damage properly, your claim could be rejected. Insurance companies need clear evidence to process claims.
Policy Exclusions: Policies often have exclusions for mold, sewer backups, or slow leaks. If your damage falls under one of these exclusions, your claim may be denied.

Knowing these common reasons for denials can help you avoid them and increase your chances of a successful claim.

Steps to Prevent Water Damage Insurance Claim Denials

While you can’t always prevent water damage, you can take steps to reduce the risk of a claim denial. These steps will help you avoid common pitfalls and ensure your claim is handled fairly.

Regularly Maintain Your Home

Maintaining your home is one of the best ways to prevent damage and ensure that your insurance covers repairs. Insurers expect homeowners to take care of their property. If damage occurs because of neglect, the insurance company may deny your claim.

Check areas like your basement, attic, and plumbing for leaks or signs of water damage. Fix any problems quickly. Regularly inspect your roof for damage and keep gutters clear of debris. Maintaining your home shows that you take responsibility and helps avoid a claim denial due to neglect.

Understand What Your Insurance Covers

Homeowners insurance may cover certain types of water damage, but it often excludes others. Review your policy to understand what is covered. Typically, homeowners insurance covers sudden and accidental water damage, such as from burst pipes. However, it will not cover damage from floods, mold, or gradual leaks.

If you live in an area prone to flooding, you may need to purchase separate flood insurance. If you want sewer backup coverage, ask your insurer about adding it. Understanding your policy’s limits and exclusions is essential to avoid unexpected issues when filing a claim.

Document the Damage Thoroughly

Documenting water damage is critical to a successful claim. Without clear evidence, your insurer may not process your claim or may offer less than you deserve. Take detailed photographs and videos of all affected areas, including structural damage and personal belongings. Before cleaning up, take as many photos as possible.

Keep a written record of the damage. Include when the damage occurred, how it was discovered, and any actions taken. If you’re unsure what to document, a public adjuster can guide you.

Act Quickly to Mitigate the Damage

Insurance companies expect you to act quickly when water damage occurs. If you wait too long to take action, the damage could worsen, and the insurer may deny your claim. For example, if you delay turning off the water supply, mold could start to grow, and your insurer might argue that you could have minimized the damage.

Take quick steps to stop the water source. If necessary, call in professionals for water removal. Keep receipts for any actions you take to mitigate the damage. This will show your insurer that you took reasonable steps to prevent further harm.

Hire a Public Adjuster

If you’re concerned about a claim denial or want to make sure you get the maximum payout, consider hiring a public adjuster. A public adjuster works for you, not the insurance company. They can help you document the damage, assess the full extent of the loss, and negotiate a fair settlement with the insurer.

At A H Neaman Company, we specialize in helping homeowners in Pennsylvania, West Virginia, and Maryland with water damage claims. We ensure your claim is filed correctly, properly documented, and reviewed by your insurance company. Our goal is to help you get the compensation you deserve.

Why Call A H Neaman Company?

Dealing with water damage is stressful enough. The last thing you want is an insurance claim denial adding to your burden. By following the right steps and working with a public adjuster, you can help prevent denials and ensure your claim is handled properly.

At A H Neaman Company, we assist homeowners in Pennsylvania, West Virginia, and Maryland with water damage claims. Our team is experienced in reviewing policies, documenting damage, and negotiating with insurance companies. We fight for your best interests to make sure you receive the maximum payout.

If you’re facing water damage or have concerns about your insurance claim, call A H Neaman Company today. We’re here to help you navigate the claims process and get the compensation you deserve.

Does Homeowners Insurance Cover Water Damage?

A H Neaman on April 11, 2025

Water damage can cause significant disruptions in your home. Whether it’s from burst pipes, a leaking roof, or flooding, water damage often leads to costly repairs. When it happens, many homeowners rely on their homeowners insurance policies to help with the expenses. However, homeowners don’t always fully understand the details of their coverage. This can lead to confusion or even claim denials.

In this blog post, we will explain whether homeowners insurance covers water damage, what the typical policy limits are, and how you can navigate the claims process effectively. If you live in Pennsylvania, West Virginia, or Maryland, A H Neaman Company can help. As experienced public adjusters, we ensure homeowners get the compensation they deserve.

Does Homeowners Insurance Cover Water Damage?

Most homeowners insurance policies cover water damage, but it depends on the cause. Homeowners insurance typically covers sudden, unexpected damage. However, the damage caused by gradual leaks or poor maintenance is usually not included. Here are examples of what your policy may cover and what it likely won’t:

Covered Water Damage:

Burst pipes: If a pipe bursts unexpectedly, homeowners insurance often covers the resulting water damage.
Roof leaks: If heavy rain causes a roof leak, your insurance may help with repairs.
Appliance malfunction: Water damage caused by a malfunctioning appliance, such as a washing machine or dishwasher, may also be covered.

Excluded Water Damage:

Flooding: Homeowners insurance doesn’t typically cover flood damage. If you live in a flood-prone area, you will need a separate flood insurance policy.
Seepage or gradual leaks: Damage caused by long-term, slow leaks (such as from a pipe that has been leaking for months) is often excluded.
Mold: Mold damage is generally not covered by homeowners insurance unless it’s a direct result of a covered event, like a burst pipe.
Sewer backups: Damage from sewer backups is also usually excluded, although some policies offer optional coverage for sewer backups.

It’s crucial to understand exactly what your homeowners insurance covers. If you’re unsure about your coverage, reviewing your policy with a public adjuster can help clarify the terms.

What Are the Limits of Your Homeowners Insurance Coverage?

Even if your homeowners insurance covers water damage, the amount your insurer will pay for repairs or replacements depends on your policy’s limits. The coverage limits are the maximum amounts your insurance company will pay for a claim. These limits can vary based on the policy type and the specific damage involved.

Dwelling Coverage: This covers the cost of repairing or rebuilding your home if it’s damaged by water. For example, if a burst pipe ruins your drywall, the dwelling coverage would help pay for repairs. The limit for dwelling coverage is usually based on the replacement cost of your home.

Personal Property Coverage: This covers your personal belongings that get damaged by water, such as furniture, electronics, or clothing. Personal property coverage is often a separate limit and may be less than the dwelling coverage limit.

Policy Deductibles: Homeowners insurance policies usually have a deductible, which is the amount you must pay out-of-pocket before the insurance company begins to pay for the damage. Deductibles can vary widely and can impact your claim amount.

Some policies also have sub-limits for specific water-related damage, such as mold or sewer backup. It’s important to review your policy carefully to understand what’s covered and how much compensation you can expect.

Is Flood Damage Covered by Homeowners Insurance?

Flood damage is one of the most common causes of water damage, but it’s usually not covered by a standard homeowners insurance policy. If you live in an area prone to flooding, you will need a separate flood insurance policy to protect your property.

Flood insurance is available through the National Flood Insurance Program (NFIP) or private insurers. This type of insurance typically covers damage caused by rising waters, such as from heavy rains, storm surges, or melting snow. Flood insurance covers both the structure of your home and your personal property. However, it’s important to note that flood insurance policies have their own limits, which are often different from those in homeowners insurance policies.

In flood-prone areas, it’s essential to add flood coverage to your policy. Your mortgage lender may even require it if your property is in a designated flood zone.

How to File a Water Damage Claim

If you experience water damage and believe it’s covered by your homeowners insurance, you need to file a claim. The claims process can be overwhelming, so it’s important to understand what to expect. Here’s a general overview of the steps involved:

Document the damage: Take clear, detailed photos and videos of all affected areas. Include both structural damage and personal property damage.
Contact your insurance company: Notify your insurer as soon as possible. The sooner you report the damage, the sooner the claims process can begin.
Schedule an adjuster’s visit: The insurance company will send an adjuster to assess the damage. Make sure to show the adjuster all affected areas and provide all necessary documentation.
Get repair estimates: For significant damage, you may need to get repair estimates from contractors. This helps ensure that your insurance payout will cover the repairs.
Review the offer: After the adjuster’s assessment, the insurance company will send you a settlement offer. If the offer is too low, you have the right to negotiate.

Hiring a public adjuster can make the process smoother. A public adjuster works for you, not the insurance company. We help document the damage, negotiate with the insurance company, and ensure you receive the maximum payout.

How A H Neaman Company Can Help

Dealing with water damage and filing a claim can be overwhelming. As a public adjuster, A H Neaman Company assists homeowners in Pennsylvania, West Virginia, and Maryland to navigate the claims process. We ensure that you understand your coverage and help you get the compensation you deserve.

Our team of experts will help you document the damage, review your insurance policy, and negotiate with your insurer to make sure you get a fair settlement. If the insurance company offers a low payout, we’ll work to increase the settlement amount.

Final Thoughts

Water damage can happen unexpectedly, and understanding your homeowners insurance policy is key to ensuring you get the protection you need. While homeowners insurance may cover certain types of water damage, it’s essential to understand the policy’s limits and exclusions.

If you’re dealing with water damage in Pennsylvania, West Virginia, or Maryland, A H Neaman Company can help. Our experienced public adjusters will guide you through the claims process, ensure your claim is properly documented, and negotiate with your insurer to secure the best possible settlement. Call us today for assistance.

The Water Damage Insurance Claims Process

A H Neaman on April 10, 2025

Water damage can strike unexpectedly and cause significant disruption to your home or business. Whether it’s due to a burst pipe, a leaking roof, or flooding, water damage can lead to expensive repairs and a lot of stress. Luckily, insurance claims can help alleviate some of the financial burden. However, the insurance claims process can often be confusing and overwhelming. Understanding the process will help you navigate it more effectively.

If you live in Pennsylvania, West Virginia, or Maryland, A H Neaman Company is here to help. As experienced public adjusters, we represent your best interests and make sure you receive a fair payout. In this post, we’ll break down what you can expect during the water damage insurance claims process and how we can assist you.

Reporting the Damage to Your Insurance Company

The first step in the water damage insurance claims process is reporting the damage to your insurance company. You should do this as soon as possible after the incident. Most insurance policies have a strict timeframe for reporting claims. If you wait too long, your claim could be denied.

When you report the damage, you’ll need to provide details about the cause, when it happened, and the extent of the damage. Once you file the claim, the insurance company will assign an adjuster to assess the situation. However, remember that the insurance company’s adjuster is working on their behalf, not yours. This can result in a less thorough evaluation. At this point, it’s helpful to have a public adjuster like A H Neaman Company on your side. We work for you and make sure the insurance company fully understands the extent of the damage.

The Damage Assessment

Once you’ve reported the water damage, the insurance company will send an adjuster to assess the situation. The adjuster will inspect the affected areas and determine the severity of the damage. This process can take some time, depending on the size and complexity of the damage.

It’s important to remember that the adjuster works for the insurance company, not for you. They may miss key details or undervalue the damage, leading to an inaccurate settlement offer. With a public adjuster by your side, you’ll ensure that no damage is overlooked. We will take detailed notes, document everything, and make sure the insurance company has a complete picture of the damage.

Documenting the Damage

One of the most critical steps in the claims process is documenting the damage. The more evidence you can provide, the stronger your case will be. Start by taking clear photos and videos of all affected areas. Make sure to capture everything, including walls, floors, ceilings, and any personal property that has been damaged.

In addition to photos, make a detailed list of all damaged items, including their estimated value. If repairs or cleanup efforts have already begun, keep a record of that as well. Your insurance company may also ask for repair estimates, and they may even provide their own. If you feel that their estimates don’t cover the full scope of the damage, you have the right to challenge them. A public adjuster can help you gather the necessary documentation and make sure your claim is fully supported.

The Insurance Offer

After the adjuster has assessed the damage and all documentation has been submitted, the insurance company will make an offer. This offer will typically include the payout amount they believe will cover the repairs and replacement of damaged property. However, don’t be surprised if the offer is lower than expected. Insurance companies may attempt to minimize payouts to protect their bottom line.

If you believe the offer is too low, you don’t have to accept it. A public adjuster can help you evaluate the offer and determine whether it accurately reflects the true cost of repairs. If the settlement is inadequate, we will negotiate with the insurance company on your behalf to secure a higher payout.

The Role of a Public Adjuster

While the insurance company assigns an adjuster to assess your claim, it’s important to remember that their adjuster works for them, not for you. The insurance company’s adjuster may not always have your best interests in mind. That’s where a public adjuster comes in.

A public adjuster works for you, the policyholder. We advocate on your behalf, ensuring that the insurance company treats your claim fairly. We help you document the damage, review the insurance policy, and negotiate a fair settlement. By hiring a public adjuster, you can increase your chances of receiving a full and accurate payout.

At A H Neaman Company, we specialize in helping homeowners and business owners in Pennsylvania, West Virginia, and Maryland. Our team will guide you through the claims process, ensure your claim is properly documented, and negotiate with the insurance company to ensure you get the compensation you deserve.

Finalizing the Claim

After all the paperwork has been submitted, and negotiations have been completed, the insurance company will finalize the claim. If everything is in order, you will receive the payout to cover the repairs. However, if there are still issues with the settlement offer, a public adjuster can continue to advocate on your behalf.

Sometimes, insurance companies delay payments or offer less than what is needed. If you’re not satisfied with the settlement, we can help you appeal the decision. We have the experience to help you challenge an unfair settlement and ensure that you receive the compensation you need to repair your property.

Why Call A H Neaman Company?

The water damage insurance claims process can be stressful and confusing. If you try to navigate it on your own, you may miss key details or settle for less than you deserve. By working with a public adjuster, you have an advocate who will ensure the claims process goes smoothly.

At A H Neaman Company, we have years of experience handling insurance claims for fire and water damage in Pennsylvania, West Virginia, and Maryland. We will guide you through the entire process, from assessing the damage to negotiating with the insurance company. Don’t go through the claims process alone—call us today to get the support you need.

How to Handle Underpayment of Fire and Water Damage Claims

A H Neaman on April 9, 2025

Dealing with fire or water damage can be overwhelming. It disrupts your life and forces you to make difficult decisions. Insurance claims should help alleviate some of the financial stress, but sometimes they don’t cover all the costs. When you find you are claim underpaid, it’s frustrating and can make the recovery process harder.

Underpaid claims happen more often than you might think. Insurance companies may miss crucial details, underestimate damage, or overlook hidden issues. However, you have the power to handle this situation. In Pennsylvania, West Virginia, and Maryland, A H Neaman Company, a trusted public adjuster, can help you secure the compensation you deserve.

Why Do Fire and Water Damage Claims Get Underpaid?

Insurance companies typically assign an adjuster to assess the damage after a claim is filed. However, this evaluation doesn’t always result in a fair settlement. The insurer might offer a lower payout for several reasons:

Mistakes in the damage assessment: The adjuster may not spot all the damage or miss hidden issues that affect the cost of repairs.
Underestimating property value: Insurers sometimes value damaged property too low or ignore items that were also harmed.
Policy exclusions: Some damage may not be covered due to exclusions in your insurance policy.
Failure to include all related costs: Additional costs like temporary housing or business interruptions can be overlooked.

If your insurance company underpays your claim, you don’t have to accept the offer. With the right steps, you can increase your chances of a fair settlement.

How to Address an Underpaid Fire or Water Damage Claim

If you find your fire or water damage claim underpaid, here’s how to address it:

Contact Your Insurance Company

The first step is to get in touch with your insurance company. Review the offer carefully and ask for a detailed explanation of how they determined the payout. Sometimes, the insurer might have missed something or made a mistake. If the settlement offer seems too low, request a more accurate assessment.

If the insurance company won’t adjust the offer or fails to provide a satisfactory explanation, consider getting professional help. This is where a public adjuster comes in.

Hire a Public Adjuster to Re-Assess the Damage

A public adjuster is an independent professional who works for you. They’ll assess the damage again, ensuring the insurer didn’t overlook any key issues. Public adjusters are skilled in handling insurance claims and can provide a detailed report to support your case.

At A H Neaman Company, we help homeowners and business owners in Pennsylvania, West Virginia, and Maryland. Our team will carefully inspect the damage, review your policy, and identify any missed costs. We’ll also help document everything to make your case stronger.

Review Your Insurance Policy

Before disputing the claim, it’s important to fully understand your insurance policy. Review the terms and conditions to see what’s covered. If the insurer denied coverage for certain damage, knowing your policy’s exclusions and limitations will help you make your case.

A public adjuster can help clarify your policy. We’ll go over the details with you and ensure the insurer is meeting their obligations. Our team will also identify any gaps in your coverage that might have led to the underpayment.

Document Additional Damage

Once you’ve contacted the insurance company, the next step is to document any damage that might have been missed. Take clear, detailed photos and videos of all affected areas. Don’t forget to capture hidden damage like mold growth or structural issues. This documentation is key to supporting your claim.

Keep detailed records of any repairs, including receipts or invoices for completed work. If the insurance company missed something, this extra evidence will help prove your case.

Appeal the Decision

If the insurance company still doesn’t offer a fair payout, you have the right to appeal their decision. Many insurance companies have an internal process for handling disputes. You can work with your public adjuster to file an appeal, which often includes submitting new evidence or repair estimates.

Public adjusters are experienced in the appeals process. We know how to present your case effectively and can negotiate with the insurer to increase your payout.

How A H Neaman Company Can Help You

At A H Neaman Company, we specialize in helping clients deal with underpaid claims. If you live in Pennsylvania, West Virginia, or Maryland and are struggling with a fire or water damage claim, we are here to help. Our team will assess the damage, review your policy, and negotiate with your insurer to ensure you get a fair settlement.

We understand the stress that comes with dealing with underpaid claims. Let us help you navigate the process and recover the compensation you deserve. With years of experience and a dedicated team, we will fight for your rights.

Final Thoughts

Fire and water damage are already stressful enough. When your insurance company underpays your claim, it only adds to the burden. However, with the right steps, you can address this issue and get the compensation needed to repair the damage.

If you find your fire or water damage claim underpaid, don’t hesitate to contact A H Neaman Company. As experienced public adjusters in Pennsylvania, West Virginia, and Maryland, we will help you ensure that your claim is handled properly. Call us today, and let us help you get the full compensation you deserve.

Mistakes Homeowners Make When Filing Water Damage Claims

A H Neaman on April 8, 2025

Water damage is a major problem that many homeowners face. It can come from leaking pipes, flooding, or a damaged roof. While insurance can help cover the costs, many homeowners make mistakes when filing their water damage claims. These mistakes can delay the process, reduce payouts, or even lead to claim denials. Knowing these common mistakes can help you avoid them and ensure you get the compensation you deserve.

If you live in Pennsylvania, West Virginia, or Maryland, A H Neaman Company can help. We are experienced public adjusters who know how to handle water damage claims and will work to ensure you get the best possible outcome.

Not Documenting the Damage Properly

One of the biggest mistakes homeowners make is failing to document the damage thoroughly. Without solid proof of the damage, your insurance company may not fully understand the extent of the problem. This could lead to a lower payout or even a denied claim.

When water damage occurs, take detailed photos and videos of everything, from soaked furniture to damaged walls and floors. Make sure you capture both the immediate damage and any ongoing issues, such as mold growth. If you aren’t sure what to document, a public adjuster can guide you in properly documenting the damage.

Waiting Too Long to File a Claim

Many homeowners wait too long to file their claims, not realizing that most insurance policies have strict time limits for reporting damage. The longer you wait, the more likely the insurance company will deny your claim or reduce your payout.

Water damage spreads quickly. Whether it’s from a burst pipe or a leaking roof, the damage can worsen if you delay. It’s important to contact your insurance company as soon as possible after the damage happens. A public adjuster can help you understand the deadlines in your policy and make sure you don’t miss any critical timelines.

Making Repairs Before Contacting the Insurance Company

Homeowners often want to repair the damage right away to prevent further issues like mold growth. However, fixing the damage before the insurance company inspects it can hurt your claim.

Insurance companies want to assess the damage before you start making repairs. If you do repairs before they’ve had a chance to inspect, they may not cover the cost of those repairs. To avoid this, make sure you notify your insurance provider and wait for an adjuster to assess the damage before you take any repair actions.

Not Understanding Your Insurance Policy

Many homeowners don’t fully understand what their insurance policy covers, which can lead to confusion later. Some water damage, such as flooding, may not be covered under your regular homeowner’s insurance.

It’s important to understand what is included and excluded in your policy. If you’re unsure, take time to review it carefully. A public adjuster can help you understand your policy and what it covers. We’ll also identify any gaps in your coverage, so you can make sure you’re properly protected.

Failing to Mitigate Further Damage

After the initial damage occurs, most policies require homeowners to take steps to prevent further damage. This is known as the duty to mitigate damage. If you don’t act to minimize the damage, your insurance company may reduce the amount of money they pay out or deny your claim entirely.

Mitigating damage can include shutting off the water supply, removing standing water, or calling a professional to help with cleanup. Keep records of your actions and take photos of what you’ve done. This will help strengthen your claim.

Not Hiring a Public Adjuster

Many homeowners try to handle their water damage claim without professional help. This can be a mistake. Insurance companies have adjusters who work for them, not for you. They may offer you less money than you deserve to settle your claim quickly.

A public adjuster works on your behalf to ensure you get the maximum payout possible. We know how to navigate the claims process, document the damage, and negotiate with the insurance company. By hiring a public adjuster, you can increase your chances of getting the full compensation you need.

Not Keeping Records of Damaged Items

Insurance companies often require proof of ownership and the value of your damaged items. Many homeowners forget to keep receipts or records for things like furniture, electronics, or personal belongings that are damaged.

Make sure you keep receipts, photos, or other documentation for valuable items in your home. If you don’t have proof, your claim may be underpaid. A public adjuster can help you make sure you’ve gathered all the necessary documents to support your claim.

Accepting the First Offer Without Negotiating

Insurance companies often make an initial offer that is lower than what homeowners are entitled to. If you accept the first offer, you may not get the full compensation needed to repair the damage.

A public adjuster can help you evaluate the initial offer and decide if it’s fair. If the offer is too low, we can negotiate with the insurance company to get you a better settlement. Having an expert on your side can make a big difference in the outcome of your claim.

Call A H Neaman Company for Help with Your Water Damage Claim

Filing a water damage claim can be stressful, but with the right support, you can avoid common mistakes and ensure that you get the compensation you deserve. A H Neaman Company is a public adjuster serving Pennsylvania, West Virginia, and Maryland. We have the experience to handle water damage claims and will work with your insurance company to make sure you get a fair settlement.

If your home has suffered water damage, don’t hesitate to reach out to A H Neaman Company. We’ll help you document the damage, file your claim, and negotiate with your insurer. Call us today and let us help you get back on track.

Fire Damage and Insurance

A H Neaman on April 4, 2025

A house fire is a devastating event that can leave homeowners feeling overwhelmed and uncertain about the future. Once the flames are extinguished, the long and often frustrating process of filing a fire damage insurance claim begins. Many homeowners assume their insurance company will handle everything smoothly, only to find themselves facing delays, lowball settlement offers, or outright claim denials.

Understanding the common pitfalls in the fire damage claims process can help you avoid mistakes that may reduce or delay your settlement. Whether you are dealing with smoke damage, water damage from firefighting efforts, or a total loss, knowing how to navigate the claims process effectively is key to receiving the compensation you deserve.

At A H Neaman Company, we are public adjusters serving Pennsylvania (PA), West Virginia (WV), and Maryland (MD). We work on behalf of homeowners and business owners to ensure insurance companies pay out fair settlementsfor fire damage claims. If you are struggling with your insurance claim, call us today for expert assistance.

In this article, we will explore the most common pitfalls in the fire damage claims process and provide proven strategies to help you avoid them.

1. Failing to Document the Damage Properly

One of the biggest mistakes homeowners make after a fire is not gathering enough evidence to support their claim. Insurance companies require extensive documentation to validate the extent of the damage, and insufficient evidence can result in delays or reduced payouts.

How to Avoid This Pitfall:

✔ Take extensive photos and videos of all damage, including structural damage, smoke residue, and damaged personal belongings.
✔ Create a detailed inventory list of destroyed or damaged items, noting their estimated value and purchase receipts if available.
✔ Obtain the fire department’s official report, as it serves as crucial evidence in proving the fire’s cause and severity.
✔ Hire a public adjuster to conduct a comprehensive assessment of fire, smoke, and water damage to ensure nothing is overlooked.

2. Accepting the Insurance Company’s First Settlement Offer

Insurance companies often offer settlements that are lower than the actual repair and replacement costs. Many homeowners accept these offers, assuming they have no choice. However, insurers frequently undervalue claims to protect their bottom line.

How to Avoid This Pitfall:

✔ Review the settlement offer carefully and compare it to contractor estimates for repairs.
✔ Get independent repair estimates from licensed contractors and restoration specialists.
✔ Work with a public adjuster to negotiate a higher payout based on a more thorough damage assessment.
✔ Do not sign a final settlement agreement until you are confident it covers the full cost of restoring your home and replacing your lost belongings.

At A H Neaman Company, we fight for homeowners to ensure they receive the full compensation they deserve.

3. Overlooking Smoke and Soot Damage

Smoke and soot can cause significant damage to your home’s structure and contents, even in areas untouched by flames. These residues can corrode surfaces, contaminate HVAC systems, and create long-term air quality issues. Insurance companies sometimes downplay the effects of smoke damage, leading to incomplete repairs.

How to Avoid This Pitfall:

✔ Have an air quality test conducted to determine the extent of smoke and soot contamination.
✔ Request an HVAC system inspection to ensure smoke particles have not spread through the ductwork.
✔ Document smoke damage in areas away from the fire’s origin to support your claim.
✔ Insist on professional cleaning and restoration services to remove harmful smoke residues.

A public adjuster can ensure smoke and soot damage is fully accounted for in your claim.

4. Missing Important Deadlines

Insurance policies have strict deadlines for reporting fire damage, submitting claims, and filing appeals. Missing these deadlines can jeopardize your claim or result in a lower payout.

How to Avoid This Pitfall:

✔ Notify your insurance company immediately after the fire, typically within 24–72 hours.
✔ Carefully review your policy’s deadlines and ensure all claim forms are submitted on time.
✔ Work with a public adjuster who understands the process and keeps your claim moving forward.
✔ Keep copies of all correspondence with your insurer to track important deadlines.

Delays in filing can weaken your claim, giving the insurer more leverage to reduce your payout.

5. Underestimating the Cost of Repairs

Fire damage repair costs often exceed initial estimates, especially when hidden damage is discovered during reconstruction. Structural repairs, electrical system replacements, and code upgrades can drive up costs, leaving homeowners paying out-of-pocket if they’ve already settled for a low insurance payout.

How to Avoid This Pitfall:

✔ Get multiple repair estimates from reputable contractors.
✔ Ensure your policy includes “replacement cost value” (RCV) coverage, rather than “actual cash value” (ACV), which factors in depreciation.
✔ Have a public adjuster review your policy and repair estimates to ensure your insurer is offering a fair settlement.
✔ Factor in local building code upgrades, which may increase repair costs.

At A H Neaman Company, we help homeowners obtain accurate repair estimates and negotiate for full coverage.

6. Not Seeking Professional Help When Needed

Many homeowners try to handle the claims process alone, only to find themselves frustrated by delays, denied claims, or underpaid settlements. Working with a public adjuster can relieve stress and ensure your claim is handled properly from start to finish.

How to Avoid This Pitfall:

✔ Hire a public adjuster to manage your fire damage claim and negotiate a higher payout.
✔ Get professional inspections from engineers, electricians, and restoration experts.
✔ If your claim is denied, appeal with expert assistance to challenge the decision.

At A H Neaman Company, we handle everything—from documentation to negotiations—so you can focus on rebuilding your home and life.

Final Thoughts: Call A H Neaman Company for Expert Fire Damage Claim Assistance

The fire damage insurance claims process is complex, and mistakes can cost homeowners thousands of dollars in lost compensation. By avoiding common pitfalls—such as failing to document damage, accepting low settlements, missing deadlines, and underestimating repair costs—you can protect your rights and ensure your insurance company pays what you deserve.

If you are facing challenges with your fire damage claim in PA, WV, or MD, don’t navigate the process alone. At A H Neaman Company, our public adjusters work for you—not the insurance company. We ensure your claim is properly handled, your damage is fully assessed, and your settlement is maximized.

Call A H Neaman Company today for a free consultation. Let us help you secure the full compensation you need to rebuild and move forward.

How to Appeal a Fire Damage Insurance Claim Denial

A H Neaman on April 3, 2025

Experiencing a fire in your home or business is devastating. You rely on your insurance policy to help you recover, but what happens when you have a fire damage insurance claim denial? Unfortunately, many homeowners and business owners face this frustrating reality. Insurance companies may deny claims due to technicalities, insufficient documentation, or disputes over coverage.

If your fire damage claim has been denied, you are not out of options. Appealing the denial is a critical step in fighting for the compensation you deserve. With the right approach, thorough documentation, and professional assistance, you can challenge your insurer’s decision and improve your chances of securing a fair settlement.

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 navigate claim disputes and appeal denied fire damage claims successfully.

This guide will walk you through the appeals process, common reasons for fire damage claim denials, and how working with a public adjuster can make all the difference in getting the compensation you deserve.

1. Why Was Your Fire Damage Insurance Claim Denied?

Understanding why your claim was denied is the first step in building a strong appeal. Insurance companies deny claims for various reasons, some valid and others questionable.

Common Reasons for Fire Damage Claim Denials

1.1. Lack of Proper Documentation

Your insurance company may claim you did not provide enough evidence of the fire damage, including:

Photos and videos of the damage
Fire department reports
Repair estimates from contractors
Receipts for damaged belongings

1.2. Policy Exclusions and Limitations

Some policies exclude certain types of fire damage, such as:

Arson or suspected fraud
Fires caused by negligence or improper maintenance
Smoke or soot damage without direct fire damage

1.3. Disputes Over the Cause of the Fire

If the insurer claims the fire was caused by an uncovered event, such as an electrical malfunction due to faulty wiring, they may deny the claim or reduce the payout.

1.4. Missed Deadlines or Failure to Mitigate Further Damage

Insurance policies have strict deadlines for reporting and filing claims. Additionally, policyholders are responsible for preventing further damage by securing the property (e.g., boarding up windows).

1.5. Low Coverage Limits

If the estimated repair costs exceed your policy limits, your claim may be partially denied or underpaid.

Once you receive a denial letter, review it carefully to understand the exact reason for the denial.

2. Steps to Appeal a Fire Damage Claim Denial

If your claim has been denied, do not accept it as final. Follow these steps to appeal the decision and fight for the compensation you deserve.

2.1. Review Your Insurance Policy in Detail

Start by carefully reading your homeowners or commercial insurance policy. Look for:

Fire damage coverage specifics
Exclusions and limitations
Claim filing deadlines and requirements

Understanding your rights under the policy is essential when challenging a denial.

2.2. Request a Written Explanation from Your Insurance Company

Your insurer must provide a written denial letter explaining:

The specific reason(s) for denial
The policy provisions they are citing
The evidence (or lack thereof) used to justify their decision

Request a detailed explanation if the letter is vague. This is crucial for your appeal.

2.3. Gather Additional Evidence to Strengthen Your Case

If your claim was denied due to lack of documentation, strengthen your case by collecting:
✔ High-quality photos and videos of fire, smoke, and soot damage
✔ A fire department report confirming the cause of the fire
✔ Independent contractor estimates for repairs
✔ Receipts or proof of ownership for damaged items
✔ Expert assessments from engineers, electricians, or restoration specialists

A public adjuster can help properly document all fire damage and ensure nothing is overlooked.

2.4. Submit a Formal Appeal Letter

Your appeal letter should be clear, factual, and well-documented. It should include:

A summary of the fire incident
A point-by-point rebuttal addressing the denial reason
Additional supporting evidence
A request for claim reconsideration

Address the letter to the claims department of your insurance company and keep a copy for your records.

2.5. Work with a Public Adjuster for Negotiations

Insurers are more likely to revise their decision when a public adjuster is involved. A public adjuster:
✔ Reviews your policy and denial letter
✔ Conducts an independent assessment of fire damage
✔ Collects expert reports and additional evidence
✔ Negotiates directly with your insurer for a fair payout

At A H Neaman Company, we specialize in appealing fire damage claim denials and ensuring homeowners in PA, WV, and MD get the compensation they deserve.

3. What If the Insurance Company Still Denies Your Appeal?

If your insurance company refuses to reverse their denial, you still have options.

3.1. Request an Independent Appraisal

Most policies include an appraisal clause, allowing homeowners to hire an independent appraiser to reassess the damage. This can help challenge a low settlement offer.

3.2. File a Complaint with Your State’s Insurance Department

If you suspect bad faith practices (e.g., unjustified denial, delays, or deception), you can file a complaint with the Pennsylvania Insurance Department, the Maryland Insurance Administration, or the West Virginia Offices of the Insurance Commissioner.

3.3. Consider Legal Action

If your insurer continues to wrongfully deny your claim, consulting with an attorney specializing in insurance disputes may be necessary.

However, in most cases, hiring a public adjuster to negotiate aggressively is enough to secure a fair settlement.

4. Why You Should Hire a Public Adjuster to Handle Your Fire Damage Claim Appeal

Appealing a fire damage claim denial requires time, expertise, and persistence. Hiring a public adjuster can significantly improve your chances of winning your appeal and maximizing your payout.

At A H Neaman Company, we:
✔ Analyze your insurance policy to identify coverage entitlements
✔ Conduct a thorough assessment of fire, smoke, and water damage
✔ Gather and present additional evidence to strengthen your appeal
✔ Negotiate directly with your insurer for a fair settlement
✔ Expedite the claims process to avoid unnecessary delays

We serve homeowners and business owners in PA, WV, and MD, ensuring they receive the full compensation they deserve.

Final Thoughts: Don’t Accept a Denied Claim—Fight for What You Deserve

If your fire damage claim has been denied, don’t give up. You have the right to challenge your insurer’s decision, present additional evidence, and fight for a fair payout.

At A H Neaman Company, we understand how frustrating insurance disputes can be. Our experienced public adjusters are here to handle your appeal, negotiate on your behalf, and ensure you get the compensation you need to rebuild.

Call A H Neaman Company today for a free consultation. Let us help you appeal your fire damage insurance claim and get the settlement you deserve.

Fire Damage Restoration vs. Full Home Rebuild

A H Neaman on April 2, 2025

A house fire is one of the most devastating disasters a homeowner can experience. Once the flames are extinguished, the long and complex process of recovery begins. Homeowners must assess the extent of the damage, determine whether the home can be restored or if a full rebuild is necessary, and navigate the often-challenging insurance claims process and fire damage restoration.

Understanding how insurance covers fire damage restoration versus a full home rebuild is critical to ensuring that your claim is handled correctly and that you receive the maximum compensation possible.

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 assess their damage, negotiate with insurance companies, and secure fair settlements for restoration or rebuilding.

If you’ve experienced a fire and need assistance with your claim, call A H Neaman Company today for expert guidance.

This article will explain the differences between fire damage restoration and a full home rebuild, how insurance policies cover each scenario, and what homeowners should do to ensure they receive proper compensation for their losses.

1. Fire Damage Restoration vs. Full Home Rebuild: Key Differences

1.1. Fire Damage Restoration

Fire damage restoration involves repairing and cleaning the affected parts of the home rather than demolishing and rebuilding from scratch. This is typically an option when the structure is still intact and the damage is not extensive enough to compromise the entire home’s safety.

What’s Included in Fire Damage Restoration?

Smoke and soot removal from walls, ceilings, and floors
Structural repairs to damaged areas
HVAC and electrical system inspections and cleaning
Water damage remediation from firefighting efforts
Odor removal and air purification
Replacement of fire-damaged furniture and belongings

Restoration is the preferred option when the home is still structurally sound, and repairing the damage is cost-effectivecompared to a full rebuild.

1.2. Full Home Rebuild

A full home rebuild is necessary when the structural integrity of the house is compromised beyond repair. This often happens when:

The fire caused extensive structural damage, making the home unsafe
Firefighters had to demolish sections of the home to control the fire
The foundation and support beams were severely weakened
The cost of restoration exceeds the replacement value of the home

A full home rebuild involves:

Demolition of the existing structure
Architectural planning and permitting
Construction of a new foundation, walls, roof, and interior
Installation of new electrical, plumbing, and HVAC systems

Since a rebuild is a much larger project than restoration, insurance claims for total losses are often more complex and take longer to process.

2. How Homeowners Insurance Covers Fire Damage Restoration and Full Rebuilds

2.1. Dwelling Coverage

The dwelling coverage portion of a homeowners insurance policy covers structural damage to the home, whether it needs repairs or a full rebuild. The amount covered depends on:

The coverage limits in the policy
Whether the policy provides replacement cost coverage (RCV) or actual cash value (ACV)

Replacement cost coverage (RCV) pays for the cost of rebuilding or restoring the home to its pre-loss condition, while actual cash value (ACV) deducts depreciation, often resulting in a lower payout.

2.2. Personal Property Coverage

Fire doesn’t just destroy the structure—it also damages personal belongings, furniture, clothing, and appliances. A standard homeowners insurance policy covers these losses, but limits may apply to high-value items like jewelry and electronics.

2.3. Additional Living Expenses (ALE) Coverage

If the home is uninhabitable during restoration or rebuilding, ALE coverage helps pay for:

Hotel stays or rental housing
Meals and transportation
Storage of belongings

This coverage ensures that homeowners can maintain their standard of living while waiting for repairs or a new home.

2.4. Code Compliance and Upgrades

If the home needs to be rebuilt, insurance may cover upgrades to meet current building codes. However, older homes may require additional coverage for code compliance under an ordinance or law endorsement.

3. Challenges Homeowners Face in Fire Damage Claims

While homeowners insurance is designed to cover fire restoration and rebuilding, the claims process can be difficult, and many homeowners struggle with low settlements, delays, or claim denials.

3.1. Insufficient Coverage Limits

Some homeowners find out too late that their policy limits are too low to cover the full cost of rebuilding. Inflation, increased labor costs, and changes in building codes can all lead to higher rebuilding expenses than the original insured value of the home.

3.2. Delays in Claim Processing

Insurance companies often take weeks—or even months—to process fire damage claims. Complex claims requiring extensive documentation and assessments can cause further delays.

3.3. Lowball Settlement Offers

Insurance adjusters may undervalue the cost of repairs or exclude essential restoration work, leading to inadequate payouts.

3.4. Denied or Disputed Claims

Insurance companies may try to deny claims based on policy exclusions, disputes over the cause of the fire, or missing documentation.

4. Why You Need a Public Adjuster for Fire Damage Claims

Navigating a fire damage claim on your own can be overwhelming, especially when insurers minimize payouts or delay settlements. This is where a public adjuster can help.

At A H Neaman Company, we work on behalf of homeowners in PA, WV, and MD to ensure they receive full and fair compensation for fire damage claims.

4.1. How a Public Adjuster Helps

Thorough Damage Assessment: We conduct independent inspections to ensure all fire, smoke, and water damage is accounted for.
Maximizing Your Payout: We negotiate higher settlements so homeowners can fully restore or rebuild their homes.
Speeding Up the Process: We handle all claim documentation, reducing delays and complications.
Challenging Low Offers or Denials: If your insurance company offers a low payout or denies your claim, we fight for the compensation you deserve.

5. Contact A H Neaman Company for Expert Fire Damage Claim Assistance

Choosing between fire damage restoration and a full rebuild is a major decision that depends on insurance coverage, structural integrity, and repair costs. Navigating the insurance claims process can be challenging, and homeowners often struggle to receive fair compensation for their losses.

At A H Neaman Company, we help homeowners and business owners in PA, WV, and MD secure the maximum settlement possible for their fire damage claims.

If you need help with a fire damage claim, whether for restoration or a full rebuild, call A H Neaman Company today for a free consultation. Our experienced public adjusters will fight for your rights, ensure all damage is properly assessed, and work to secure the full compensation you need to rebuild and move forward.

How Long Does the Fire Damage Insurance Claims Process Take?

A H Neaman on April 1, 2025

Experiencing a fire in your home or business is a devastating event that can leave you feeling overwhelmed. Once the fire is extinguished, the next critical step is filing an insurance claim to cover the damage. However, many homeowners and business owners wonder: How long does the fire damage insurance claims process take?

The answer depends on several factors, including the extent of the damage, the efficiency of your insurance company, the accuracy of your documentation, and whether you work with a public adjuster. On average, fire damage claims can take anywhere from a few weeks to several months—and in complex cases, even longer.

At A H Neaman Company, we are experienced public adjusters serving Pennsylvania (PA), West Virginia (WV), and Maryland (MD). We help homeowners and business owners navigate the fire damage claims process efficiently, ensuring they receive the full compensation they deserve. If you’re dealing with fire damage and need expert guidance, call us today for assistance.

This guide will break down each stage of the fire damage insurance claims process, what can cause delays, and how you can speed up the process while ensuring a fair settlement.

1. Immediate Steps After the Fire (0-7 Days)

1.1. Ensuring Safety and Initial Documentation

Before you begin the insurance claims process, your first priority should be ensuring the safety of your family or employees. Once the fire is fully extinguished and the fire department gives you clearance, it’s time to start documenting the damage.

1.2. Notify Your Insurance Company

You should contact your insurance provider as soon as possible—typically within 24 to 72 hours—to report the fire and begin the claims process. Failing to notify your insurer promptly could result in delays or complications in your claim.

1.3. Secure the Property to Prevent Further Damage

Most homeowners insurance policies require policyholders to mitigate further damage after a loss. This includes:

Boarding up broken windows and doors
Covering roof damage with tarps
Preventing looting or vandalism

If you fail to take reasonable steps to secure your property, your insurance company may reduce your payout or deny part of your claim.

2. The Insurance Adjuster’s Initial Inspection (7-14 Days)

2.1. Assigning an Adjuster from Your Insurance Company

Once your claim is reported, your insurance company will assign an insurance adjuster to inspect the fire damage. This adjuster works for the insurance company, meaning their goal is to assess the damage while minimizing the insurance company’s payout.

2.2. The Role of a Public Adjuster

Hiring a public adjuster, like A H Neaman Company, ensures that your damages are fully accounted for and properly valued. Unlike the insurance adjuster, who works for the insurance company, a public adjuster works for you, negotiating to maximize your payout.

2.3. Estimating the Damage

The initial inspection process typically takes one to two weeks, depending on the severity of the damage and how quickly the insurance adjuster can schedule an appointment. Delays can occur if your area experienced a widespread fire, such as a wildfire, resulting in a backlog of claims.

3. Reviewing and Processing the Claim (2-6 Weeks)

3.1. Evaluating Coverage and Policy Limits

Once the insurance adjuster assesses the damage, your insurance company will review your policy to determine coverage limits and exclusions. The complexity of your policy and the thoroughness of your documentation can either speed up or delay this process.

3.2. Getting Repair and Replacement Estimates

During this stage, contractors and fire restoration specialists will provide repair estimates for the damage. The insurance company will compare these estimates to their own assessments, often leading to disagreements over repair costs.

This is where hiring a public adjuster is beneficial. At A H Neaman Company, we help policyholders challenge lowball estimates from the insurance company, ensuring you receive a settlement that fully covers repairs, smoke damage, and additional losses.

3.3. Approval or Dispute of the Settlement Offer

If your insurance company accepts the claim without dispute, they will issue a settlement offer within four to six weeks. However, in many cases, policyholders receive a lower offer than expected. If you disagree with the amount, you can:

Negotiate a higher settlement
Hire a public adjuster to challenge the offer
File a formal dispute or appeal

4. Negotiation and Dispute Resolution (1-3 Months or Longer, If Necessary)

4.1. What Causes Delays in the Settlement Process?

Several factors can extend the claims process, including:

Disagreements over the cause of the fire
Undervalued damage estimates from the insurance company
Disputes over policy exclusions
Slow responses from insurance representatives

If your claim is taking longer than expected, a public adjuster can push the process forward by applying pressure on the insurance company and providing the necessary documentation to challenge delays.

4.2. Escalating the Claim

If negotiations don’t result in a fair settlement, you may need to:

Request an independent appraisal
Hire a public adjuster to negotiate on your behalf
Consider legal action in extreme cases

While most claims are settled within 60 to 90 days, complex cases that require dispute resolution may take six months or longer.

5. Receiving the Settlement and Beginning Repairs (3-6 Months Total)

Once a final settlement is reached, your insurance company will issue a check for repairs. Many policies issue partial payments upfront, with additional funds released as work is completed.

5.1. Finding Contractors and Starting Rebuilding

You will need to:

Hire licensed contractors to complete fire damage restoration
Work with an engineer if structural repairs are required
Ensure that your insurance company disburses payments on time

At A H Neaman Company, we assist policyholders in coordinating repairs and ensuring insurance funds are properly distributed.

6. How to Speed Up the Fire Damage Claims Process

To avoid delays and maximize your settlement, follow these tips:

Notify your insurance company immediately after a fire
Document everything with photos, videos, and repair estimates
Hire a public adjuster to ensure your claim is handled fairly
Follow up regularly with your insurance provider
Don’t accept a lowball offer—negotiate for full compensation

Final Thoughts: Call A H Neaman Company for Expert Fire Damage Claim Assistance

While a simple fire damage claim can take as little as six to eight weeks, complex claims involving disputes, hidden damages, or denied coverage can take several months or longer. Working with a public adjuster can speed up the process, prevent delays, and help you receive the full compensation you deserve.

At A H Neaman Company, we serve PA, WV, and MD, ensuring that homeowners and business owners receive fair settlements and recover quickly from fire damage.

If you’re dealing with fire damage and need help navigating the insurance claims process, call A H Neaman Company today for a free consultation. We handle every step of your claim—from documentation and negotiation to final settlement—so you can focus on rebuilding your home or business.

Hiring a Public Adjuster After a Fire Loss

A H Neaman on March 31, 2025

After a fire loss, is one of the most devastating events a homeowner or business owner can experience. Beyond the emotional toll, the financial burden and complex insurance claims process can add significant stress. While homeowners insurance is designed to cover fire damage, many policyholders find themselves underpaid, delayed, or denied settlements that don’t fully compensate for their losses.

This is where a public adjuster can make a huge difference. Unlike insurance company adjusters, public adjusters work for you—not the insurer—to ensure you receive the maximum payout for your fire damage claim.

At A H Neaman Company, we specialize in helping homeowners and business owners in Pennsylvania (PA), West Virginia (WV), and Maryland (MD) navigate fire damage claims, fight for fair settlements, and rebuild their lives. Call us today for expert assistance with your claim!

This guide will explain the benefits of hiring a public adjuster after a fire loss and why having professional representation can mean the difference between a stress-free recovery and a financial nightmare.

1. What Is a Public Adjuster?

A public adjuster is a licensed insurance professional who advocates for policyholders during the claims process. Unlike insurance company adjusters, who work for the insurer, public adjusters work for you to ensure that your fire damage claim is fairly assessed and properly compensated.

Public Adjusters vs. Insurance Company Adjusters

Feature	Public Adjuster (Works for You)	Insurance Adjuster (Works for Insurer)
Goal	Maximize your payout	Minimize the insurer’s payout
Loyalty	You, the policyholder	Insurance company
Damage Evaluation	Thorough, including hidden damage	Basic, often underestimates damage
Negotiation	Fights for full compensation	Tries to settle for less

2. Ensuring a Full and Accurate Fire Damage Assessment

2.1. Insurance Adjusters May Miss Hidden Damage

A fire causes more than just visible destruction. Smoke, soot, and water damage from firefighting efforts can linger long after the flames are gone. Insurance company adjusters may overlook or downplay these damages to keep claim payouts low.

💡 How a Public Adjuster Helps:
✅ Conducts a thorough inspection of your property
✅ Identifies hidden smoke, soot, and water damage
✅ Documents structural and personal property losses
✅ Ensures nothing is missed in your claim

3. Maximizing Your Insurance Settlement

Many homeowners accept lowball settlement offers because they don’t realize they can negotiate for more. Insurance companies often:
❌ Underestimate repair costs
❌ Exclude certain types of damage
❌ Depreciate the value of lost personal property

💡 How a Public Adjuster Helps:
✅ Uses expert estimates to determine real repair costs
✅ Ensures replacement value, not just depreciated value
✅ Negotiates with insurers to increase your final payout

At A H Neaman Company, we fight to get you every dollar you deserve.

4. Handling the Fire Damage Claims Process from Start to Finish

Filing a fire damage claim involves complex paperwork, deadlines, and negotiations. A mistake in documentation can lead to delays or claim denial.

💡 How a Public Adjuster Helps:
✅ Handles all paperwork and ensures claims are filed correctly
✅ Prevents missed deadlines that could jeopardize your claim
✅ Communicates directly with your insurer to speed up the process
✅ Keeps you informed every step of the way

If you don’t want to deal with the stress and confusion of filing a fire damage claim, let A H Neaman Company handle it for you.

5. Reducing Stress So You Can Focus on Recovery

After a fire, you’re already dealing with relocation, repairs, and emotional recovery. Handling an insurance claim on your own adds unnecessary stress.

💡 How a Public Adjuster Helps:
✅ Handles the claims process so you don’t have to
✅ Gives you peace of mind knowing you’re getting the full settlement
✅ Allows you to focus on rebuilding your home and life

6. Preventing Claim Denials and Delays

Insurance companies deny or delay fire damage claims for various reasons:
❌ Claim lacks proper documentation
❌ Insurer disputes the cause of the fire
❌ Policy exclusions or technical loopholes

💡 How a Public Adjuster Helps:
✅ Reviews your insurance policy to understand what’s covered
✅ Ensures all required documentation is submitted correctly
✅ Challenges wrongful denials and delays
✅ Files an appeal if your claim is denied

At A H Neaman Company, we have helped homeowners in PA, WV, and MD successfully fight insurance denials and delays.

7. Fire Damage Isn’t Just About the Structure—We Cover Personal Property Too

Many homeowners assume their insurance covers all personal belongings lost in a fire, only to discover policy limits on furniture, electronics, and valuables.

💡 How a Public Adjuster Helps:
✅ Creates an itemized inventory of lost/damaged belongings
✅ Ensures fair compensation for furniture, clothing, electronics, and valuables
✅ Prevents insurers from depreciating the value of your belongings

If your personal property was destroyed in a fire, we ensure your claim reflects the full value of your losses.

8. When Should You Hire a Public Adjuster?

Consider hiring a public adjuster if:
✅ Your fire damage claim is complicated or large
✅ Your insurance company offered a low settlement
✅ You suspect hidden smoke, soot, or water damage
✅ Your claim is denied or delayed
✅ You don’t have the time or knowledge to handle the claim

Call A H Neaman Company for Expert Fire Damage Claim Assistance

Hiring a public adjuster after a fire ensures that you receive the maximum settlement possible—without the stress of fighting your insurance company alone.

At A H Neaman Company, we specialize in fire damage claims in Pennsylvania (PA), West Virginia (WV), and Maryland (MD). Our experienced team works exclusively for homeowners and business owners—not insurance companies.

📞 Call A H Neaman Company today for a free consultation!
✅ We handle your claim from start to finish
✅ We fight for the maximum settlement
✅ We ensure nothing is overlooked

🔥 Don’t let your insurance company undervalue your fire damage claim—get the compensation you deserve! 🔥