house fire Archives - A H Neaman

Common Fire Damage Insurance Claim Denials

A H Neaman on March 27, 2025

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

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

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

1. Insufficient Documentation of Fire Damage

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

How to Avoid This Denial:

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

2. Late Filing of a Fire Damage Claim

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

How to Avoid This Denial:

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

3. Allegations of Arson or Fraud

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

How to Avoid This Denial:

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

4. Policy Exclusions and Coverage Gaps

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

Common Policy Exclusions:

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

How to Avoid This Denial:

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

5. Lowball Estimates from the Insurance Company

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

How to Avoid This Issue:

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

6. Disputes Over the Cause of the Fire

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

How to Avoid This Denial:

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

7. Insurance Claim Delays and Bad Faith Tactics

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

How to Avoid This Issue:

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

Why You Need a Public Adjuster for Your Fire Damage Claim

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

How A H Neaman Company Can Help You:

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

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

Understanding Fire Damage Insurance Policies

A H Neaman on March 26, 2025

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

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

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

1. The Basics of Fire Damage Insurance Coverage

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

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

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

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

1.2. Personal Property Coverage

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

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

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

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

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

1.4. Detached Structures Coverage

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

2. What Fire Damage Insurance Typically Does NOT Cover

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

2.1. Intentional Fires (Arson)

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

2.2. Fire Damage Due to Negligence

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

2.3. Certain Types of Personal Property

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

2.4. Smoke and Soot Damage (Partial Coverage)

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

2.5. Water Damage from Firefighting Efforts

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

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

3. Common Issues in Fire Damage Claims

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

3.1. Lowball Settlement Offers

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

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

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

3.2. Delayed Claim Processing

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

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

3.3. Claim Denial Due to Policy Exclusions

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

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

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

4.1. Comprehensive Damage Assessment

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

4.2. Negotiation with the Insurance Company

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

4.3. Maximizing Your Payout

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

4.4. Faster Claim Resolution

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

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

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

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

What to Do Immediately After a Fire

A H Neaman on March 25, 2025

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

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

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

Step 1: Ensure Everyone’s Safety

Check for Injuries and Seek Medical Attention

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

Wait for Fire Officials to Clear the Property

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

Secure Temporary Shelter

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

Step 2: Contact Your Insurance Company

Notify Your Insurance Provider Immediately

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

Get a Claim Number and Adjuster Assignment

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

Understand Your Policy Coverage

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

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

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

Step 3: Document the Damage Thoroughly

Take Photos and Videos

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

Create an Inventory List

Document everything that was damaged or destroyed. Include:

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

Work With a Public Adjuster

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

Step 4: Prevent Further Damage

Secure the Property

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

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

Avoid Making Permanent Repairs

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

Save All Receipts for Expenses

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

Step 5: File and Manage Your Insurance Claim

Work With a Public Adjuster for Maximum Compensation

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

Watch for Lowball Offers and Claim Denials

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

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

Stay Organized

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

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

Step 6: Begin the Restoration Process

Choose a Licensed Fire Damage Contractor

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

Oversee the Repairs

Stay involved in the restoration process to ensure that:

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

Continue Working With Your Public Adjuster

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

Final Thoughts: Why Call A H Neaman Company?

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

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

Keeping a Home Inventory for Faster Insurance Claims

A H Neaman on March 24, 2025

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

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

Why You Need a Home Inventory for Insurance Claims

1. Simplifies the Claims Process

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

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

2. Helps You Recover Full Value for Lost Items

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

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

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

3. Reduces the Likelihood of Disputes

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

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

How to Create an Effective Home Inventory for Insurance Claims

1. Start with a Room-by-Room Inventory

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

2. Take Photos or Videos

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

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

3. Keep Track of Serial Numbers and Receipts

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

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

4. Regularly Update Your Inventory

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

5. Store Your Inventory in Multiple Locations

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

The Benefits of Working with a Public Adjuster

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

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

Here’s how we help:

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

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

Contact A H Neaman Company for Expert Help

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

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

Business Owners Can Protect Their Commercial Property with the Right Insurance

A H Neaman on March 21, 2025

Owning a business comes with many responsibilities, and one of the most crucial is protecting your commercial property. Whether you own an office, retail store, warehouse, or restaurant, the right commercial insurance coverage can safeguard your investment against fire, water damage, vandalism, and natural disasters. However, many business owners don’t realize the gaps in their policies until it’s too late—leading to costly claim denials or underpayments.

At A H Neaman Company, we specialize in helping business owners in Pennsylvania (PA), West Virginia (WV), and Maryland (MD) navigate the complexities of commercial insurance claims. As experienced public adjusters, we advocate for you—not the insurance company—to ensure you receive the maximum payout when disaster strikes.

Here’s what every business owner needs to know about protecting their commercial property with the right insurance.

Key Commercial Insurance Policies Every Business Owner Needs

1. Commercial Property Insurance

This is the foundation of any business protection plan. It covers physical assets such as:

✔ Your building (if you own it)
✔ Equipment and machinery
✔ Inventory and supplies
✔ Furniture and fixtures

What’s Covered?

Fire and smoke damage
Storm damage (wind, hail, lightning)
Vandalism and theft
Burst pipes and certain types of water damage

Common Pitfall: Many policies exclude certain perils, such as flooding and earthquakes, requiring additional coverage.

2. Business Interruption Insurance

If your business is forced to close temporarily due to a covered event, this insurance can help cover:

💰 Lost income
🏢 Rent or mortgage payments
👷‍♂️ Employee wages
📦 Ongoing business expenses

Without this coverage, a fire or natural disaster could leave you struggling to keep your business afloat.

Pro Tip: Some policies limit coverage to a specific time period, so be sure your policy provides enough time for full recovery.

3. General Liability Insurance

This protects your business from third-party claims, such as:

A customer slipping and getting injured on your property
Damage to a client’s property caused by your employees
Legal fees if your business is sued

Many landlords require tenants to carry this policy to protect both parties from unexpected liabilities.

4. Commercial Auto Insurance

If your business owns or uses vehicles, you need commercial auto insurance. It covers:

🚗 Accidents involving company vehicles
🚛 Damage to delivery trucks, work vans, or service vehicles
🏥 Medical expenses for injuries

Even if employees use personal cars for work, you may need a hired and non-owned auto policy to avoid potential liability gaps.

5. Equipment Breakdown Insurance

If your business relies on specialized equipment, breakdowns can halt operations and lead to major financial losses. This policy helps cover:

🔧 Repair or replacement costs for broken machinery
💰 Lost revenue due to production delays
⚙ Electrical or mechanical failure damage

Industries like restaurants, manufacturers, and medical offices especially benefit from this coverage.

Common Commercial Insurance Claim Issues & How to Avoid Them

Even with the right coverage, business owners often face challenges when filing claims. Here are the top pitfalls and how to protect yourself.

1. Underinsured Commercial Properties

Many businesses discover too late that their coverage limits don’t fully cover their losses. Inflation, rising construction costs, and outdated policy estimates can leave you paying out of pocket.

✅ Solution: Regularly review your policy with a professional—A H Neaman Company can help you assess whether you have adequate coverage.

2. Claim Denials for Improper Documentation

Insurance companies often delay or deny claims due to insufficient evidence. Without proper documentation, it’s hard to prove the full extent of your losses.

✅ Solution: Immediately after damage occurs:

Take detailed photos and videos of all affected areas
Save receipts for repairs and replacements
Keep records of lost income if your business was forced to close

As public adjusters in PA, WV, and MD, we help ensure your claim is thoroughly documented to maximize your payout.

3. Delayed Payouts That Hurt Business Operations

Insurance companies sometimes drag out the claims process, leaving businesses in financial limbo.

✅ Solution: A H Neaman Company expedites claims by:
✔ Negotiating directly with your insurer
✔ Handling all claim paperwork
✔ Pushing for faster resolutions so you can rebuild quickly

4. Disputes Over Business Interruption Coverage

Many business owners assume they will be fully reimbursed for lost income during a shutdown—only to receive less than expected.

✅ Solution: Ensure your policy clearly defines:

What counts as covered income loss
Whether pandemics, supply chain issues, or civil authority shutdowns are included
The maximum time frame for reimbursement

Why You Need a Public Adjuster for Your Commercial Insurance Claim

When disaster strikes, insurance companies prioritize their profits—not your business’s survival. Their adjusters work for them, not you, often offering low settlements that don’t fully cover damages.

As experienced public adjusters serving PA, WV, and MD, A H Neaman Company ensures that you:

✔ Receive a fair and accurate damage assessment
✔ Get full compensation for covered losses
✔ Don’t fall victim to delays, underpayments, or denials

We take the stress out of the claims process so you can focus on running your business while we handle negotiations.

Protect your commercial property with the right insurance—and let us fight for the compensation you deserve!

Navigating the Homeowners Insurance Claims Process

A H Neaman on March 20, 2025

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

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

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

1. Document the Damage Immediately

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

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

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

2. Review Your Homeowners Insurance Policy

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

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

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

3. Notify Your Insurance Company Right Away

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

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

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

4. Mitigate Further Damage

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

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

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

5. Keep All Receipts and Records

Track all expenses related to your loss, including:

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

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

6. Consider Hiring a Public Adjuster

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

Properly documented
Accurately assessed
Fairly negotiated

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

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

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

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

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

2. Don’t Sign Anything Without Understanding It

Insurance companies may ask you to sign:

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

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

3. Don’t Exaggerate or Misrepresent Damages

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

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

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

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

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

Underestimating repair costs
Overlooking hidden damage
Denying certain claim elements

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

5. Don’t Delay Repairs Without Approval

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

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

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

Why Choose A H Neaman Company?

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

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

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

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

The Role of a Public Adjuster vs. an Insurance Company Adjuster

A H Neaman on March 19, 2025

When disaster strikes—whether it’s fire damage, water damage, or another loss—filing an insurance claim can feel overwhelming. Many homeowners and business owners assume that their insurance company will fairly assess their damages and provide the compensation they need to recover. However, what many don’t realize is that the insurance company’s adjuster works for the insurer, not for you. This is where a public adjuster comes in.

At A H Neaman Company, we specialize in helping policyholders in Pennsylvania (PA), West Virginia (WV), and Maryland (MD) navigate the claims process, ensuring they receive the maximum payout they’re entitled to. In this post, we’ll break down the key differences between a public adjuster and an insurance company adjuster, so you can make an informed decision about protecting your financial interests.

What is an Insurance Company Adjuster?

An insurance company adjuster, also known as a staff adjuster or independent adjuster, is hired by the insurance company to evaluate property damage claims. Their primary role is to assess the damage and determine how much the insurance company should pay for the loss.

Who Do They Work For?

Insurance company adjusters work for the insurance company, not the policyholder. Their job is to protect the financial interests of the insurance provider by:

Investigating claims to determine coverage
Assessing the extent of property damage
Calculating repair costs based on the insurer’s guidelines
Looking for ways to minimize claim payouts

Potential Issues with Insurance Company Adjusters

While insurance company adjusters are supposed to be fair, they often have conflicting interests. Since they are employed by the insurance provider, they may be motivated to:

Undervalue damages to save the company money
Deny certain claim elements based on policy exclusions
Rush assessments, leading to overlooked damages
Offer quick settlements that may not fully cover your loss

This is why many policyholders in PA, WV, and MD turn to a public adjuster for help—someone who will advocate for their best interests.

What is a Public Adjuster?

A public adjuster is an independent professional hired by the policyholder (you) to handle the insurance claim on your behalf. Unlike insurance company adjusters, a public adjuster works only for you to ensure that you receive the highest possible settlement for your loss.

What Does a Public Adjuster Do?

A public adjuster provides comprehensive assistance, including:

✅ Assessing your damages—conducting a thorough evaluation of your property loss
✅ Documenting losses—taking photos, creating detailed reports, and compiling evidence
✅ Reviewing your insurance policy—explaining coverage, exclusions, and limitations
✅ Negotiating with the insurance company—fighting to get you the maximum payout
✅ Handling all paperwork and communication—saving you time and stress

By working with a public adjuster in PA, WV, or MD, like A H Neaman Company, you gain an expert who will ensure you aren’t underpaid or taken advantage of by the insurance company.

Public Adjuster vs. Insurance Company Adjuster: Key Differences

Feature	Public Adjuster	Insurance Company Adjuster
Who Do They Work For?	The policyholder (YOU)	The insurance company
Primary Goal	Maximize your settlement	Minimize the insurer’s payout
Damage Assessment	Comprehensive, in-depth	May be rushed or limited
Negotiation	Fights for the highest possible payout	Works within the insurer’s budget
Policy Interpretation	Advocates for full coverage	May interpret in favor of insurer
Payment	Earns a percentage of your claim (only if you get paid)	Paid by the insurance company

Why You Need a Public Adjuster in PA, WV, and MD

Filing an insurance claim after fire or water damage is complex. Many policyholders don’t realize that their initial settlement offer from the insurance company is often much lower than what they deserve. A public adjuster ensures that:

Your damages are fully documented—so nothing is overlooked
You receive fair compensation—covering all repair costs, lost property, and additional expenses
The insurance company does not take advantage of policy loopholes—that could lead to denied or reduced payouts

At A H Neaman Company, we have years of experience in fire damage, water damage, storm damage, and property loss claims. Our team works directly with homeowners and business owners to get them the best possible settlement.

Real-World Example: How a Public Adjuster Can Help

Let’s say your home in Pittsburgh, PA suffers significant fire damage. You contact your insurance company, and they send an adjuster who estimates your total damages at $50,000. However, after hiring A H Neaman Company, our public adjuster conducts an independent review and finds additional smoke damage, hidden structural issues, and loss of personal property that were not included in the insurer’s estimate.

With our advocacy, your claim is re-evaluated, and we negotiate a final settlement of $90,000—nearly double the initial offer. Without a public adjuster, you might have settled for much less than what you needed to fully recover.

When Should You Hire a Public Adjuster?

✔ If your insurance claim was underpaid or denied
✔ If you don’t have time to handle the claims process
✔ If you want to maximize your insurance settlement
✔ If you’re unsure about your policy coverage
✔ If your claim is complex and involves significant damage

If you’re facing any of these challenges, A H Neaman Company can help!

Call A H Neaman Company for Expert Public Adjusting Services

Don’t settle for less than what you deserve! If you’re dealing with fire damage, water damage, storm damage, or any major property loss in Pennsylvania, West Virginia, or Maryland, call A H Neaman Company today.

Let us fight for you and ensure that you get the full compensation you’re entitled to!

Understanding Insurance Claim Denials for Fire and Water Damage

A H Neaman on March 18, 2025

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

Common Reasons for Fire and Water Damage Claim Denials

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

1. Insufficient Documentation of the Damage

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

What Can You Do?

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

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

2. Late or Missed Claim Filing Deadlines

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

What Can You Do?

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

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

3. Policy Exclusions or Gaps in Coverage

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

What Can You Do?

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

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

4. Failure to Meet Maintenance Requirements

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

What Can You Do?

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

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

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

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

What Can You Do?

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

What You Can Do After a Claim Denial

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

1. Review Your Denial Letter

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

2. Appeal the Denial

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

3. Contact a Public Adjuster for Help

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

Call A H Neaman Company for Expert Assistance with Your Claim

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

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

Top Reasons Insurance Claims for Water Losses Are Denied

A H Neaman on March 17, 2025

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

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

1. Lack of Maintenance or Negligence

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

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

2. Pre-existing Damage

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

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

3. Improper Reporting or Delay in Filing the Claim

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

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

4. Flood Damage Exclusions

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

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

5. Exceeding Coverage Limits

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

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

6. Inadequate Documentation of the Damage

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

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

7. Policy Exclusions or Limitations

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

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

Call A H Neaman Company for Help

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

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

Damage from Frozen Pipes and Insurance Claims

A H Neaman on March 14, 2025

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

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

How to Prevent Frozen Pipes

1. Insulate Your Pipes

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

2. Keep the Heat On

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

3. Let Faucets Drip

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

4. Seal Cracks and Openings

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

5. Open Cabinet Doors

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

6. Disconnect Outdoor Hoses

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

What to Do If Your Pipes Freeze

1. Turn Off the Water Supply

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

2. Thaw the Pipe Safely

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

3. Check for Leaks

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

4. Document Any Damage

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

Filing an Insurance Claim for Burst Pipes

1. Review Your Insurance Policy

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

2. Report the Damage Promptly

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

3. Mitigate Further Damage

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

4. Get a Professional Inspection

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

5. Work with a Public Insurance Adjuster

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

Why Choose A H Neaman Company?

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

Call Us Today!

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

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