home insurance Archives - Page 13 of 13

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.

Understanding Business Insurance Claims for Water and Flood Damage

A H Neaman on November 26, 2024

Water and flood damage can devastate businesses, disrupting operations, damaging assets, and causing financial losses. Navigating the insurance claims process for such damage can be complex, but understanding your policy and the claims process is essential to securing the compensation your business needs to recover.

If you’re in Pittsburgh, PA, or other areas of Pennsylvania, Maryland, West Virginia, or Tennessee, A H Neaman Company can assist you in maximizing your claim and ensuring you receive the settlement you deserve. Here’s what you need to know about business insurance claims for water and flood damage.

Types of Water and Flood Damage Covered by Business Insurance

Business insurance policies may cover different types of water damage, but coverage depends on the policy terms, the source of the damage, and whether it is categorized as water or flood damage.

Commonly Covered Water Damage

Burst Pipes: Sudden and accidental water discharge from plumbing failures.
Appliance Failures: Leaks or overflows from dishwashers, water heaters, or HVAC systems.
Roof Leaks: Water intrusion caused by storm damage or structural failure.
Sprinkler Systems: Damage from malfunctioning fire suppression systems.

Understanding Flood Damage

What Is Flood Damage?
- Defined as water affecting two or more properties or areas after events like heavy rainfall, river overflow, or storm surges.
- Typically excluded from standard business insurance and requires a separate flood insurance policy.
Flood Insurance Coverage
- Covers structural damage, equipment, inventory, and cleanup costs.
- Managed through the National Flood Insurance Program (NFIP) or private insurers.

Steps to Take After Water or Flood Damage

When water or flood damage occurs, acting quickly can mitigate further losses and strengthen your insurance claim.

1. Ensure Safety First

Turn off electricity if water damage affects electrical systems.
Avoid standing water that could be contaminated or hide structural hazards.

2. Document the Damage

Take photos and videos of all affected areas, equipment, and inventory.
Create an inventory of damaged items, including descriptions, values, and purchase dates.

3. Contact Your Insurance Provider

Notify your insurer immediately to start the claims process.
Be prepared to describe the cause and extent of the damage.

4. Prevent Additional Damage

Perform temporary repairs, such as boarding up windows or tarping roofs, to prevent further loss.
Save receipts for these actions, as they may be reimbursable.

5. Hire a Public Adjuster

A public insurance adjuster, like A H Neaman Company, specializes in managing claims to ensure businesses receive fair settlements.

Common Challenges in Water and Flood Damage Claims

Businesses often face hurdles during the claims process, including:

1. Disputes Over Coverage

Insurers may argue whether damage is from a covered source (e.g., burst pipe) or excluded (e.g., flood).

2. Delayed Claims Processing

Insufficient documentation or insurer backlog can slow the payout process, affecting recovery efforts.

3. Depreciation Reductions

Insurance adjusters may depreciate the value of equipment or inventory, lowering payout amounts.

4. Denial of Claims

Insurers may deny claims based on policy exclusions, arguing negligence or pre-existing damage.

The Role of a Public Adjuster in Water and Flood Damage Claims

Navigating insurance claims can be overwhelming, especially for business owners managing recovery efforts. A public adjuster acts as your advocate, handling the complexities of the claims process and ensuring a fair settlement.

How Public Adjusters Help:

Policy Review: Analyze your policy to determine coverage for water and flood damage.
Damage Assessment: Conduct a thorough evaluation of the damage, including hidden structural issues.
Documentation Assistance: Ensure all evidence, paperwork, and claim forms meet insurance requirements.
Negotiation: Advocate for a settlement that reflects the full cost of repairs, restoration, and business interruption losses.

By partnering with a trusted public adjuster, you can focus on rebuilding your business while leaving the claims process to a professional.

Proactive Steps to Minimize Future Water and Flood Damage

While not all water and flood damage is preventable, taking proactive measures can reduce risks and losses.

1. Maintain Plumbing and Equipment

Schedule regular inspections of pipes, HVAC systems, and water-related appliances.

2. Install Flood Barriers

Use sandbags, floodgates, or other barriers to protect your property during heavy rain or storms.

3. Elevate Equipment and Inventory

Store valuable items on higher floors or raised platforms to avoid floodwater damage.

4. Develop a Disaster Plan

Create an emergency response plan to protect employees and assets during water or flood events.

5. Review Your Insurance Coverage

Ensure you have adequate coverage for water and flood damage, including a separate flood insurance policy if necessary.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping businesses in Pittsburgh, PA, and surrounding areas in Pennsylvania, Maryland, West Virginia, and Tennessee navigate water and flood damage claims.

Our Services Include:

Comprehensive damage evaluations.
Expert policy analysis to maximize your coverage.
Professional claim preparation and documentation.
Skilled negotiation to secure fair settlements.

With years of experience, we’ve helped businesses recover and rebuild after devastating losses. Our team is committed to ensuring you receive the compensation you need to restore operations and move forward.

Conclusion

Water and flood damage can have a lasting impact on businesses, but a thorough understanding of your insurance policy and the claims process can make a significant difference in your recovery. By hiring a public insurance adjuster, you can ensure a smoother, more successful claims process.

Let A H Neaman Company Help You Maximize Your Claim

At A H Neaman Company, we’re dedicated to helping businesses recover from water and flood damage. If your business is located in Pittsburgh, PA, or licensed areas in Pennsylvania, Maryland, West Virginia, or Tennessee, contact us today for a free consultation. Let us help you fight your claim and secure the settlement 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.

Contact us today for a free consultation, and let us help you get the compensation you deserve!

Water Damage? Here’s Why You Need a Public Adjuster

A H Neaman on November 24, 2024

Water damage is one of the most common and costly issues homeowners and business owners face. Whether caused by a burst pipe, flooding, or roof leak, water damage can disrupt your life and lead to significant repair expenses. Filing an insurance claim should bring relief, but the process is often complex and overwhelming.

That’s where a public insurance adjuster comes in. If you’re dealing with water damage in Pittsburgh, PA, or nearby areas in West Virginia, Pennsylvania, and Maryland, the team at A.H. Neaman Company is here to help.

In this blog post, we’ll explore why hiring a public adjuster is essential when dealing with water damage and how we can ensure you receive the full compensation you deserve.

The Challenges of Water Damage Insurance Claims

Water damage can cause extensive destruction that isn’t always immediately visible. Beyond the obvious issues like soaked carpets or warped wood, water can seep into walls, damage electrical systems, and create conditions for mold growth.

When filing an insurance claim for water damage, you may encounter challenges such as:

Hidden Damage: Insurance companies may only cover visible damage, leaving you responsible for repairs that weren’t immediately apparent.
Policy Exclusions: Some policies have strict exclusions for water damage, such as damage caused by floods or gradual leaks.
Lowball Settlements: Insurance companies may undervalue your claim, offering less than you need to repair and restore your property.
Documentation Requirements: Filing a water damage claim requires detailed documentation, which can be time-consuming and stressful during an already difficult time.

For these reasons, many property owners don’t receive the full benefits they’re entitled to.

How a Public Adjuster Can Help

A public insurance adjuster is your advocate throughout the claims process. Unlike the adjuster hired by your insurance company, a public adjuster works exclusively for you, ensuring your claim reflects the true scope of your damages.

Here’s how a public adjuster can help:

1. Thorough Damage Assessment

Public adjusters are trained to identify both visible and hidden water damage. They know how to spot issues like:

Water infiltration behind walls.
Damage to insulation, wiring, or HVAC systems.
Early signs of mold growth.

Their expertise ensures no damage is overlooked, maximizing the value of your claim.

2. Policy Interpretation

Water damage coverage varies widely between policies. A public adjuster carefully reviews your policy to identify applicable coverages and ensure your claim includes all eligible expenses, such as:

Structural repairs.
Replacement of damaged belongings.
Temporary living expenses if you need to relocate during repairs.

3. Expert Documentation

Insurance companies require detailed proof of damages, including photos, videos, and repair estimates. A public adjuster handles this for you, creating a comprehensive claim file that strengthens your case.

4. Negotiation with Insurers

Insurance companies often aim to minimize payouts. A public adjuster negotiates on your behalf, leveraging their knowledge of water damage claims to secure a fair settlement.

5. Reducing Stress

Dealing with water damage is stressful enough without the added burden of managing an insurance claim. A public adjuster takes care of the entire process, giving you peace of mind and allowing you to focus on restoring your property.

Why You Need a Public Adjuster for Water Damage

Water damage claims can be particularly challenging due to:

Time Sensitivity: Delayed repairs can lead to further damage, such as mold growth. A public adjuster ensures your claim is processed quickly and efficiently.
Complex Causes: Insurance companies may deny claims for certain types of water damage, such as gradual leaks or sewer backups. A public adjuster knows how to address these challenges and advocate for your rights.
Long-Term Impact: Improperly repaired water damage can lead to ongoing issues, reducing your property’s value. A public adjuster ensures your claim covers all necessary repairs to prevent future problems.

How A.H. Neaman Company Can Help

At A.H. Neaman Company, we specialize in helping property owners recover from damage by maximizing their insurance claims. Our licensed public insurance adjusters have the expertise to handle even the most complex claims, ensuring you receive the compensation you’re entitled to.

Here’s What We Offer:

Comprehensive Damage Evaluation: We inspect your property thoroughly, documenting all visible and hidden damage.
Policy Expertise: We analyze your insurance policy to ensure every potential coverage is utilized.
Claim Preparation and Filing: From documentation to submission, we handle all aspects of your claim.
Professional Negotiation: We work directly with your insurance company, advocating for a fair settlement.
Ongoing Support: We guide you through the entire process, keeping you informed every step of the way.

We proudly serve homeowners and business owners in Pittsburgh, PA, as well as West Virginia, Pennsylvania, and Maryland.

Real-Life Examples of Water Damage Claims

Burst Pipe in a Commercial Property

A business in Pittsburgh suffered extensive water damage due to a burst pipe during the winter. The insurance company initially offered a settlement that didn’t cover the cost of repairing the property and replacing damaged equipment.

A.H. Neaman & Co. stepped in, conducted a detailed damage assessment, and negotiated with the insurer, securing a settlement that fully covered the business’s losses.

Basement Flooding in a Residential Home

A homeowner in Pennsylvania experienced basement flooding after heavy rains. The insurance company argued that the damage was caused by groundwater infiltration, which wasn’t covered by the policy.

Our team reviewed the policy, provided evidence of storm-related water intrusion, and successfully negotiated a settlement that covered the cost of repairs and mold remediation.

Contact A.H. Neaman Company Today

If you’re dealing with damage, don’t navigate the claims process alone. At A.H. Neaman Company, we’re here to advocate for your rights and ensure you receive the compensation you deserve.

Serving Pittsburgh, PA, and licensed in West Virginia, Pennsylvania, and Maryland, our team has the expertise and dedication to help you maximize your claim.

Don’t wait—schedule your free consultation today and let us handle your water damage claim while you focus on restoring your property!

How a Public Adjuster Can Help After a House Fire

A H Neaman on November 24, 2024

Experiencing a house fire is one of the most devastating events a homeowner can face. Beyond the emotional toll, the aftermath involves navigating the complex insurance claims process, assessing damages, and planning for repairs. This can be overwhelming, especially when you’re trying to get your life back to normal.

That’s where a public insurance adjuster can make all the difference. If you live in Pittsburgh, PA, or nearby areas in West Virginia, Pennsylvania, or Maryland, the experts at A.H. Neaman Company are here to guide you through this challenging time and help you maximize your insurance claim.

In this article, we’ll explore how a public adjuster can help you after a house fire and why their support is essential for achieving a fair settlement.

The Challenges of Filing a House Fire Insurance Claim

House fires often result in extensive damage that goes beyond what’s visible. Smoke and soot can infiltrate walls, furniture, and HVAC systems, while water used to extinguish the fire can cause additional issues like mold growth.

Insurance claims for fire damage are notoriously complex. Homeowners must:

Document All Damages: This includes both visible destruction and hidden issues.
Understand Policy Coverage: Fire insurance policies often have exclusions and limitations that are difficult to interpret.
Negotiate with Insurers: Insurance companies aim to minimize payouts, which can lead to undervalued claims or outright denials.

For homeowners unfamiliar with the process, these challenges can lead to lost time, increased stress, and insufficient compensation.

How a Public Adjuster Can Help

A public insurance adjuster works on behalf of homeowners to handle every aspect of the claims process. Here’s how they can help after a house fire:

1. Thorough Damage Assessment

Public adjusters are trained to identify all types of fire-related damage, including:

Structural issues caused by heat and flames.
Smoke and soot contamination in walls, ceilings, and belongings.
Water damage from firefighting efforts.

They use advanced tools and methods to ensure every loss is accounted for, even those not immediately visible.

2. Accurate Documentation

Insurance companies require extensive documentation to process claims, including photos, videos, and detailed itemized lists. A public adjuster handles this for you, ensuring nothing is overlooked.

For example, they can document smoke-damaged appliances or identify structural weaknesses that may not be evident to the untrained eye.

3. Policy Expertise

Public adjusters have in-depth knowledge of insurance policies, enabling them to:

Clarify what your policy covers.
Identify exclusions that could impact your claim.
Ensure you receive compensation for additional living expenses, such as temporary housing, if included in your policy.

4. Negotiation with Insurers

Insurance companies often undervalue claims to protect their bottom line. A public adjuster negotiates on your behalf to ensure you receive the full amount you’re entitled to.

Their expertise in fire damage claims gives them the leverage to counter lowball offers and push for a fair settlement that reflects the true cost of repairs and replacements.

5. Saving You Time and Reducing Stress

Recovering from a house fire is stressful enough without the added burden of managing an insurance claim. A public adjuster handles all communication, paperwork, and follow-ups, allowing you to focus on rebuilding your home and your life.

The Role of A.H. Neaman Company

At A.H. Neaman Company, we understand the unique challenges homeowners face after a house fire. Our team of licensed public insurance adjusters is dedicated to helping you maximize your insurance claim and secure the compensation you deserve.

Here’s How We Can Help:

Comprehensive Damage Evaluation: We inspect every corner of your property to identify all fire-related damage.
Policy Interpretation: We break down your insurance policy to ensure you fully understand your coverage.
Claim Preparation: From documentation to filing, we handle every detail of your claim.
Professional Negotiation: We communicate directly with your insurer, advocating for a fair and complete settlement.

We proudly serve homeowners in Pittsburgh, PA, as well as West Virginia, Pennsylvania, and Maryland, providing local expertise and personalized support.

Benefits of Hiring a Public Adjuster

Hiring a public adjuster offers several key benefits:

Maximized Settlement: Public adjusters consistently secure higher payouts than homeowners can achieve on their own.
Faster Resolution: With their expertise, claims are processed more efficiently, reducing delays.
Reduced Stress: They handle the complex and time-consuming aspects of the claims process, giving you peace of mind.

Steps to Take After a House Fire

If you’ve experienced a house fire, follow these steps to protect your claim:

Ensure Safety: Evacuate your home and call emergency services. Do not re-enter the property until it has been deemed safe.
Contact Your Insurance Company: Notify them of the fire as soon as possible.
Document the Damage: Take photos and videos of the affected areas, but avoid moving or cleaning anything until it has been inspected.
Call a Public Adjuster: Reach out to A.H. Neaman & Co. to schedule a consultation. The sooner you involve a public adjuster, the better your chances of achieving a fair settlement.

Why Choose A.H. Neaman Company?

At A.H. Neaman Company, we believe every homeowner deserves fair compensation after a disaster. Our team has extensive experience handling fire damage claims and is committed to providing personalized, compassionate service.

Why Work with Us?

Local Expertise: We know the challenges homeowners face in Pittsburgh, PA, and surrounding areas in West Virginia, Pennsylvania, and Maryland.
Proven Results: Our clients consistently achieve higher settlements thanks to our expertise and dedication.
Stress-Free Process: Let us handle the claims process while you focus on rebuilding your home and your life.

Contact A.H. Neaman Company Today

Recovering from a house fire is a challenging journey, but you don’t have to face it alone. At A.H. Neaman Company, we’re here to guide you every step of the way, ensuring you receive the compensation you deserve.

If you’ve experienced a house fire, contact us today for a free consultation. We’ll fight for your rights and help you rebuild with confidence.

Serving Pittsburgh, PA, and licensed in West Virginia, Pennsylvania, and Maryland. Let us help you navigate the claims process and maximize your settlement!

What is a Public Adjuster and How Do They Help Business Owners?

A H Neaman on November 24, 2024

What is a public insurance adjuster and how do they help business owners? Running a business comes with its fair share of challenges, but dealing with unexpected property damage shouldn’t be one of them. From fires and water damage to storm-related destruction, disasters can disrupt operations and threaten your bottom line. When it comes to filing an insurance claim, the process can feel overwhelming, especially when you’re also trying to get your business back on track.

This is where a public adjuster can make all the difference. Business owners in Pittsburgh, PA, and surrounding areas in West Virginia, Pennsylvania, and Maryland turn to professionals like A.H. Neaman Company for expert guidance in navigating the insurance claims process.

In this article, we’ll explain what a public adjuster does, how they help business owners, and why partnering with a trusted advocate is essential for maximizing your insurance claim.

What is a Public Adjuster?

A public insurance adjuster is a licensed professional who represents policyholders during the insurance claims process. Unlike insurance company adjusters, who work for the insurer, public adjusters work exclusively for you, the policyholder.

Their role is to:

Evaluate Damages: Conduct a detailed assessment of your property and document all losses.
Interpret Your Policy: Review your insurance policy to determine what’s covered and ensure nothing is overlooked.
File and Negotiate Claims: Handle all claim documentation and negotiate with your insurance company to secure a fair settlement.

For business owners, this expertise can be invaluable. A public adjuster ensures your claim reflects the true cost of repairs, replacements, and business interruptions, helping you recover more quickly and with fewer headaches.

How Do Public Adjusters Help Business Owners?

Disasters can have a significant financial impact on businesses, making it critical to receive the full compensation your insurance policy allows. Here are the key ways a public adjuster can help:

1. Thorough Damage Assessment

Business properties often include complex systems, specialized equipment, and valuable inventory. A public adjuster conducts a comprehensive evaluation to identify both visible and hidden damages.

For example, after a fire, there may be structural issues, equipment malfunctions, and smoke contamination that aren’t immediately apparent. A public adjuster ensures all damage is documented and included in your claim.

2. Policy Expertise

Insurance policies are complex and filled with technical language that can be difficult to decipher. Public adjusters have extensive knowledge of commercial insurance policies, enabling them to identify all applicable coverages.

They also ensure you’re not missing out on any benefits, such as coverage for business interruption or additional living expenses for displaced employees.

3. Maximizing Your Settlement

Insurance companies are in the business of minimizing payouts. Without professional representation, you might settle for less than what you need to fully recover.

Public adjusters advocate on your behalf, negotiating with the insurer to secure a settlement that reflects the true value of your losses. In many cases, their expertise results in significantly higher payouts than policyholders would receive on their own.

4. Reducing Stress and Saving Time

As a business owner, your time is valuable. Handling an insurance claim requires meticulous documentation, numerous phone calls, and constant follow-ups—all of which can pull you away from running your business.

A public adjuster takes care of the entire claims process, allowing you to focus on what matters most: restoring your operations and serving your customers.

5. Navigating Disputes

If your insurance company disputes the claim or offers a low settlement, a public adjuster steps in to resolve the issue. Their expertise in negotiation and claims handling ensures your interests are protected.

Common Types of Commercial Claims

Businesses face a variety of risks, and a public adjuster can assist with all types of property damage claims, including:

Fire and Smoke Damage
Water and Flood Damage
Storm and Wind Damage
Theft and Vandalism
Business Interruption Losses

Each type of claim comes with unique challenges, making it essential to work with a professional who understands the intricacies of commercial insurance.

Why Business Owners in Pittsburgh, PA, Need a Public Adjuster

Operating a business in Pittsburgh or nearby areas in West Virginia, Pennsylvania, or Maryland means dealing with regional risks such as harsh winters, flooding, and severe storms. When disaster strikes, having a public adjuster in your corner ensures your claim is handled with local expertise and attention to detail.

At A.H. Neaman Company, we’re proud to serve businesses in Pittsburgh and beyond, offering:

Tailored Support: Every business is unique, and we develop customized strategies to maximize your specific claim.
Expert Representation: We handle claims of all sizes, from small retail shops to large commercial properties.
Local Knowledge: As licensed adjusters in West Virginia, Pennsylvania, and Maryland, we understand the risks and regulations that impact your claim.

Why Choose A.H. Neaman Company?

At A.H. Neaman Company, we specialize in helping business owners recover from disasters by maximizing their insurance claims. Our team is dedicated to providing transparent, stress-free service that ensures you receive the compensation you’re entitled to.

Here’s how we can help:

Comprehensive Damage Evaluation: We inspect every inch of your property, leaving no damage undocumented.
Policy Expertise: We break down your insurance policy, ensuring all applicable coverages are utilized.
Negotiation Power: We communicate directly with your insurer, advocating for a fair and complete settlement.
Ongoing Support: From initial assessment to final payout, we’re with you every step of the way.

Secure Your Business’s Future with A.H. Neaman Company

Disasters are unpredictable, but your response doesn’t have to be. Hiring a public adjuster is one of the best ways to protect your business, minimize financial losses, and recover quickly.

If your business has experienced property damage, don’t leave your claim to chance. Contact A.H. Neaman Company today to schedule a free consultation and learn how we can help you maximize your insurance claim.

We proudly serve Pittsburgh, PA, as well as West Virginia, Pennsylvania, and Maryland. Let us handle the claims process so you can focus on rebuilding and thriving.

Don’t wait—get the support your business deserves. A.H. Neaman Company is here to help you every step of the way.

Top 5 Common Residential Property Damages

A H Neaman on November 24, 2024

Homeownership comes with its share of challenges, and one of the most stressful can be dealing with residential property damages. From burst pipes to storm destruction, unexpected damages can disrupt your life and lead to costly repairs. Knowing how to handle these situations and navigate the insurance process is crucial to protecting your investment.

As a homeowner in Pittsburgh, PA, or nearby areas in West Virginia, Pennsylvania, or Maryland, having a trusted advocate like A.H. Neaman Company on your side can make all the difference. Here, we’ll cover the top 5 common residential property damages and how to address them effectively.

Residential Property Damages

1. Water Damage

Causes:
Water damage is one of the most frequent and costly issues homeowners face. It can result from burst pipes, appliance leaks, roof damage, or heavy rainfall. Left untreated, it can lead to mold growth, structural issues, and expensive repairs.

How to Handle It:

Act Quickly: Shut off the water source immediately to minimize damage.
Document the Damage: Take clear photos and videos of all affected areas.
Contact a Public Adjuster: Water damage claims can be complicated, especially if insurers try to classify the cause as non-covered (e.g., flooding vs. pipe failure). A public insurance adjuster can help ensure your claim is filed correctly and fairly.

2. Fire and Smoke Damage

Causes:
Fires can be devastating, whether caused by electrical issues, cooking mishaps, or natural disasters. Even minor fires can leave behind smoke damage, which is difficult to clean and can harm indoor air quality.

How to Handle It:

Ensure Safety First: Evacuate your home and call emergency services.
File Your Claim Immediately: Promptly notify your insurer of the fire.
Hire a Public Insurance Adjuster: A public adjuster will evaluate the full scope of fire and smoke damage, ensuring all necessary repairs, replacements, and cleaning costs are included in your claim.

3. Storm Damage

Causes:
Severe weather, including high winds, hail, and heavy rain, can wreak havoc on your property. Storm damage often impacts roofs, siding, windows, and landscaping.

How to Handle It:

Inspect Your Property: After a storm, check for visible damage such as missing shingles, broken windows, or fallen trees.
Mitigate Further Damage: Cover damaged areas temporarily to prevent additional issues, such as leaks.
Work with a Public Adjuster: Storm damage claims can be challenging, particularly when determining whether pre-existing conditions contributed to the damage. A public adjuster ensures you receive full compensation for covered losses.

4. Vandalism and Theft

Causes:
Break-ins and vandalism can lead to both physical damage and emotional distress. Damaged doors, broken windows, and stolen items are common issues in these cases.

How to Handle It:

Contact the Police: File a police report immediately to document the incident.
Secure Your Property: Take steps to repair broken windows or doors to prevent further issues.
File a Detailed Claim: Provide your insurer with an inventory of stolen or damaged items.
Get Professional Help: A public insurance adjuster can help you recover the maximum value for both property repairs and lost belongings.

5. Roof Damage

Causes:
Your roof is your home’s first line of defense against the elements, but it’s also one of the most vulnerable parts of your property. Hail, high winds, falling branches, and age-related wear and tear can all cause damage.

How to Handle It:

Inspect After Severe Weather: Check for missing shingles, leaks, or structural damage.
Prevent Additional Damage: Cover leaks with a tarp to protect your home until repairs can be made.
Consult a Public Adjuster: Insurance companies may try to reduce payouts by attributing damage to wear and tear rather than covered perils. A public adjuster can ensure your claim reflects the actual cause and extent of the damage.

Why Choose A.H. Neaman Company for Residential Property Damages?

Handling residential property damage is stressful, but you don’t have to navigate it alone. At A.H. Neaman Company, our licensed public insurance adjusters specialize in maximizing insurance claims for homeowners across Pittsburgh, PA, and the surrounding regions of West Virginia, Pennsylvania, and Maryland.

Here’s How We Can Help:

Comprehensive Damage Assessment: We identify all damages, including hidden issues insurers may overlook.
Expert Policy Interpretation: Insurance policies are complex, but we ensure you understand your coverage.
Negotiation Expertise: We handle all communication with your insurance company, advocating for the settlement you deserve.
Stress-Free Process: Let us handle the details so you can focus on restoring your home and peace of mind.

The Value of a Public Insurance Adjuster

Hiring a public insurance adjuster is one of the most effective ways to protect your financial interests after property damage. Unlike the adjuster sent by your insurer, we work exclusively for you, ensuring your claim is handled professionally and thoroughly.

Benefits of Hiring A.H. Neaman Company:

Higher Settlements: We work tirelessly to secure the maximum compensation under your policy.
Reduced Stress: From paperwork to inspections, we handle the heavy lifting.
Faster Resolution: Our expertise ensures your claim is processed efficiently, minimizing delays.

Serving Pittsburgh, PA, and Beyond

At A.H. Neaman Company, we’re proud to serve homeowners in Pittsburgh, as well as across West Virginia, Pennsylvania, and Maryland. Whether you’re dealing with water damage, fire damage, or storm destruction, we have the regional knowledge and expertise to support you.

Contact A.H. Neaman Company Today

Dealing with residential property damage doesn’t have to be a battle. Trust A.H. Neaman Company to help you navigate the insurance claims process, maximize your settlement, and restore your home.

If you’ve experienced residential property damages, don’t wait—contact us today to schedule a free consultation and discover how we can make a difference.

Protect your home and your peace of mind with A.H. Neaman Company by your side. Let us help you get the compensation you deserve!

Commercial Property Damage? Why You Need a Public Adjuster on Your Side

A H Neaman on November 23, 2024

When disaster strikes and causes commercial property damage, the aftermath can be chaotic and overwhelming. Whether it’s a fire, water damage, storm destruction, or vandalism, the financial implications for your business can be significant. Filing an insurance claim might seem straightforward, but insurance companies often aim to minimize payouts, leaving you with less than what you need to rebuild or recover.

This is where a public insurance adjuster comes in. If you own or manage commercial property in Pittsburgh, PA, or anywhere in West Virginia, Pennsylvania, or Maryland, hiring a public adjuster can be the key to maximizing your insurance claim.

What is a Public Insurance Adjuster?

A public insurance adjuster is a licensed professional who represents policyholders, not insurance companies. Unlike the adjuster assigned by your insurer, a public adjuster works exclusively for you to ensure your claim is handled thoroughly and fairly.

They manage the entire claims process on your behalf, from assessing the damage to negotiating with your insurance company. For business owners, this means less stress, less downtime, and a higher likelihood of receiving the full payout your policy entitles you to.

The Importance of a Public Adjuster for Commercial Claims

Commercial property damage claims are often more complex than residential claims. Here’s why having a public adjuster on your side is critical:

1. Comprehensive Damage Assessment

Commercial properties are larger and more complex than residential buildings, often containing specialized equipment, inventory, and business-critical assets. A public adjuster conducts a thorough inspection, identifying not just visible damage but also hidden issues, such as structural problems or equipment malfunctions.

2. Expert Knowledge of Policies

Insurance policies for commercial properties can be highly detailed and confusing. A public adjuster understands the intricacies of these policies, ensuring no potential coverage is overlooked.

3. Maximizing Your Claim

Insurance companies may undervalue your losses to save money. A public adjuster fights for the full compensation you deserve, taking into account the total cost of repairs, business interruption losses, and additional expenses.

4. Reducing Downtime

For business owners, time is money. A public adjuster handles the claim process efficiently, allowing you to focus on restoring your operations instead of battling with the insurance company.

5. Negotiating Fair Settlements

Public adjusters are skilled negotiators who advocate for you during discussions with your insurer. They ensure the settlement offer reflects the actual costs needed to repair and recover your business.

Common Types of Commercial Property Claims

Business owners face a wide range of risks that can lead to property damage. Some of the most common claims include:

Fire and Smoke Damage: Fires can devastate a commercial property, causing damage to structures, inventory, and equipment.
Water and Flood Damage: Burst pipes, leaks, and natural disasters can lead to costly repairs and downtime.
Storm and Wind Damage: Severe weather, such as hurricanes or snowstorms, can cause roof damage, flooding, and more.
Vandalism and Theft: Damaged property and stolen assets can disrupt operations and impact your bottom line.

If you’ve experienced any of these types of damage, working with a public insurance adjuster ensures your claim fully accounts for all losses.

Why Choose A.H. Neaman & Co.?

At A.H. Neaman & Co., we understand the challenges business owners face after a disaster. Our team of licensed public insurance adjusters has the expertise to handle even the most complex commercial claims, ensuring you receive the settlement you need to get back on your feet.

Here’s what sets us apart:

Local Expertise: Based in Pittsburgh, PA, we’re familiar with the unique risks businesses face in Pennsylvania, West Virginia, and Maryland.
Thorough Inspections: We leave no stone unturned, identifying all damage to your property, equipment, and inventory.
Tailored Solutions: Every business is different. We develop a customized strategy to maximize your specific claim.
Dedicated Advocacy: We fight aggressively to secure the compensation you’re entitled to, so you can focus on your business.

The Claims Process with A.H. Neaman & Co.

Navigating a commercial property damage claim on your own can be daunting. At A.H. Neaman & Co., we simplify the process, guiding you every step of the way:

Initial Consultation: We meet with you to understand the damage and review your insurance policy.
Detailed Documentation: Our team conducts a comprehensive inspection, documenting all damages with photos, videos, and reports.
Claim Preparation: We prepare a professional claim submission, ensuring all losses are accounted for.
Negotiation: We handle all discussions with your insurance company, advocating for a fair settlement.
Settlement: We don’t rest until you receive the maximum compensation possible.

Serving Pittsburgh, PA, and Beyond

Whether you’re a business owner in Pittsburgh, a property manager in West Virginia, or a commercial landlord in Maryland, A.H. Neaman & Co. is here to help. Our team is licensed across Pennsylvania, West Virginia, and Maryland, giving us the regional expertise needed to handle claims efficiently and effectively.

Protect Your Business with A.H. Neaman & Co.

Your business is your livelihood, and protecting it after a disaster requires more than just filing an insurance claim—it requires the right expertise. At A.H. Neaman & Co., we specialize in helping business owners like you navigate the claims process, secure fair settlements, and get back to business quickly.

If you’ve experienced commercial property damage, don’t leave your claim to chance. Contact A.H. Neaman & Co.today to schedule a consultation and let us help you maximize your insurance claim.

Disasters can disrupt your business, but with A.H. Neaman & Co. on your side, you can rest assured that your claim is in good hands. Reach out now to get started!

What Does a Public Insurance Adjuster Do for Homeowners?

A H Neaman on November 22, 2024

Dealing with property damage is stressful. Whether it’s storm damage, fire destruction, or water leaks, navigating the insurance claim process can feel overwhelming. This is where a public insurance adjuster steps in to help. If you’re a homeowner in Pittsburgh, Pennsylvania, Maryland, or West Virginia, hiring a public adjuster can mean the difference between a fair settlement and an underwhelming offer.

In this blog post, we’ll explore what a public insurance adjuster does, how they work for homeowners, and why hiring one is crucial for maximizing your insurance claim.

What Is a Public Insurance Adjuster?

A public insurance adjuster is a licensed professional who represents homeowners in the insurance claims process. Unlike the adjuster sent by your insurance company, a public adjuster works exclusively for you—the policyholder. They handle all aspects of your claim, from assessing damage to negotiating a fair settlement, ensuring you receive the compensation you deserve.

Public insurance adjusters specialize in various types of property damage claims, including:

Fire Damage
Storm and Hail Damage
Water and Flood Damage
Vandalism and Theft
Roof Leaks and Mold Damage

In Pittsburgh and surrounding areas, homeowners often face challenges with storm-related damage or water issues. A local public adjuster in Pittsburgh is familiar with the region’s unique risks and can offer tailored assistance.

The Role of a Public Adjuster for Homeowners

When your home is damaged, the insurance claim process can be time-consuming and confusing. Insurance companies are businesses, and their goal is often to minimize payouts. Here’s how a public adjuster helps homeowners like you:

1. Assessing the Damage

Public adjusters conduct a thorough inspection of your property to identify all damages—both visible and hidden. For example, after a storm, they might uncover roof leaks or structural issues that are easy to miss.

2. Reviewing Your Insurance Policy

Your insurance policy can be complex, with specific terms and limitations. A public adjuster reviews your policy to determine what is covered and ensures you’re making the most of your coverage.

3. Preparing the Claim

A public adjuster handles all the paperwork, from documenting damages with photos to preparing detailed reports for your insurance company. This professional approach reduces the chances of errors or claim denial.

4. Negotiating with the Insurance Company

Insurance companies often undervalue claims. Public adjusters negotiate on your behalf to secure a settlement that reflects the true cost of repairs and replacements.

5. Advocating for a Fair Outcome

If the insurance company disputes your claim or offers a low settlement, the public adjuster advocates for your rights, ensuring you receive what you’re owed under your policy.

Why Should Homeowners Hire a Public Adjuster?

There are several reasons why hiring a public insurance adjuster is a smart move:

Expertise: Public adjusters understand the intricacies of insurance policies and claim processes.
Time Savings: They handle the tedious aspects of the claim, freeing up your time.
Higher Settlements: Studies show that policyholders who use a public adjuster often receive significantly higher settlements than those who don’t.
Peace of Mind: Knowing a professional is advocating for you reduces stress during a challenging time.

For homeowners in Pennsylvania, Maryland, and West Virginia, local public adjusters are familiar with state-specific insurance regulations, which can help avoid delays and disputes.

Why Choose a Public Adjuster in Pittsburgh?

If you’re a homeowner in Pittsburgh, you already know how unpredictable the weather can be. From heavy snowstorms to intense summer thunderstorms, property damage is a common occurrence. Hiring a public adjuster in Pittsburghensures you have someone with local expertise handling your claim.

What Types of Claims Can Public Adjusters Handle?

Public adjusters are equipped to handle a variety of claims, including:

Fire Damage: After a fire, smoke and soot damage can add to repair costs. A public adjuster ensures all damages are accounted for.
Water Damage: Burst pipes, roof leaks, and flooding often require extensive repairs. A public adjuster makes sure your claim covers these costs.
Storm Damage: Hail, wind, and snow can wreak havoc on your home. Public adjusters document all damage for maximum compensation.
Theft and Vandalism: Protecting your home’s value after a break-in requires detailed claim preparation.

Licensed in Pennsylvania, Maryland, and West Virginia

A.H. Neaman & Co. is proud to be licensed in Pennsylvania, Maryland, and West Virginia, offering expert public adjusting services to homeowners across these states. Each region has its unique challenges, from storm damage in Pennsylvania to flooding risks in Tennessee. Our team understands the local landscape and ensures your claim is handled efficiently.

Why Homeowners Trust A.H. Neaman Company

At A.H. Neaman Company, we specialize in fighting for homeowners to get the money they deserve. Our team has years of experience handling residential insurance claims and helping clients navigate the complicated process with ease.

When you work with us, you can expect:

Personalized attention to your claim.
A thorough damage assessment and accurate claim preparation.
Aggressive negotiation to maximize your settlement.

We take pride in helping homeowners in Pittsburgh, Pennsylvania, Maryland, and West Virginia recover after property damage.

Get the Settlement You Deserve

If you’re a homeowner dealing with property damage, don’t face the insurance company alone. A.H. Neaman Company is here to advocate for you every step of the way. Contact us today to learn how our team can help you fight your claim and secure the compensation you deserve.

Let us turn a stressful insurance process into a successful resolution. Reach out now to schedule your consultation!