house fire Archives - Page 8 of 10

Understanding Fire Damage Insurance Claims

A H Neaman on January 23, 2025

A house fire is one of the most devastating events a homeowner can face. The damage left behind can be extensive, including structural destruction, smoke damage, and ruined personal belongings. Filing a fire damage insurance claim is a critical step toward recovery, but navigating the claims process can be challenging and overwhelming.

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we understand the complexities of fire damage claims and are here to guide you. This blog explains everything you need to know about filing a fire damage insurance claim, maximizing your settlement, and ensuring a smooth recovery process.

1. Start by Reviewing Your Insurance Policy

Your homeowner’s insurance policy outlines the coverage you have for fire damage. Reviewing this document is essential to understanding what is covered and what is not.

Key Areas to Review:

Dwelling Coverage: Covers repairs or rebuilding costs for your home’s structure.
Personal Property Coverage: Reimburses you for lost or damaged belongings.
Additional Living Expenses (ALE): Covers costs for temporary housing, food, and other necessities while your home is uninhabitable.

If you’re unsure about your coverage, a public adjuster can help interpret your policy and ensure you take full advantage of the benefits available to you.

2. Document the Damage Thoroughly

Before cleaning up or starting repairs, document all fire damage. Proper documentation is essential for filing a successful insurance claim.

Tips for Effective Documentation:

Take high-quality photos and videos of every affected area, including exterior damage, interior damage, and personal belongings.
Create an inventory of damaged items, including descriptions, purchase dates, and approximate values.
Save any receipts for temporary repairs or expenses related to the fire.

3. Notify Your Insurance Company Immediately

Once the fire is under control, contact your insurance company to initiate your claim. Provide them with the necessary details about the fire, including:

Date and time of the incident.
Cause of the fire, if known.
A brief description of the damage.

Your insurer will assign an adjuster to evaluate the damage and estimate repair costs. However, it’s important to remember that this adjuster works for the insurance company, not for you.

4. Understand the Role of a Public Adjuster

While your insurance company’s adjuster aims to minimize the payout, a public adjuster works on your behalf to ensure you receive the maximum settlement.

Why Hire a Public Adjuster?

Expert Assessment: We thoroughly evaluate all aspects of fire damage, including structural issues, smoke damage, and hidden losses.
Accurate Documentation: We prepare detailed reports and estimates to support your claim.
Negotiation Support: We handle negotiations with your insurance company, ensuring you receive fair compensation.

As public adjusters serving Pennsylvania, West Virginia, and Maryland, we have extensive experience helping homeowners recover after a fire.

5. Be Aware of Coverage Limitations

Not all fire damage is covered by insurance, and understanding the exclusions in your policy is crucial.

Common Coverage Exclusions:

Fires caused by arson or intentional acts.
Damage due to neglect or failure to maintain the property.
Fires occurring in vacant or unoccupied properties.

A public adjuster can help identify any potential coverage issues and advocate on your behalf if your claim is denied or partially approved.

6. Avoid Common Mistakes

Filing a fire damage claim is a detailed process, and mistakes can delay or reduce your settlement.

Common Mistakes to Avoid:

Failing to Mitigate Damage: Most policies require you to take reasonable steps to prevent further damage, such as boarding up windows or covering holes in the roof.
Settling Too Quickly: Insurance companies may offer a quick settlement that doesn’t fully cover your losses. A public adjuster can help you evaluate offers to ensure they are fair.
Overlooking Hidden Damage: Smoke and water damage may not be immediately visible but can lead to significant issues later.

7. Maximize Your Settlement

To ensure you receive the compensation you deserve, follow these best practices:

Provide Complete Documentation: Submit all necessary evidence, including photos, videos, and receipts.
Communicate Clearly: Keep detailed records of all communications with your insurance company, including emails, phone calls, and letters.
Enlist Professional Help: A public adjuster can help you prepare a strong claim and negotiate effectively with your insurer.

8. Rebuild with Confidence

Once your claim is approved, the rebuilding process can begin. Work with licensed contractors who specialize in fire restoration to ensure repairs are done correctly.

Tips for Choosing a Contractor:

Check references and reviews.
Verify licenses and insurance.
Get multiple estimates to compare costs.

Why Work with a Public Adjuster in PA, WV, and MD?

Recovering from a fire is a challenging process, but you don’t have to face it alone. A public adjuster can take the stress out of filing a fire damage insurance claim by:

Advocating for your best interests.
Ensuring all damages are accounted for.
Maximizing your settlement to cover repair and recovery costs.

With years of experience helping homeowners in Pennsylvania, West Virginia, and Maryland, we have the local expertise and dedication needed to help you rebuild your life after a fire.

Final Thoughts

Filing a fire damage insurance claim can be overwhelming, but understanding the process and enlisting professional help can make all the difference. By reviewing your policy, documenting the damage, and working with a trusted public adjuster, you can ensure a smooth claims process and a successful recovery.

If you’re dealing with fire damage in Pennsylvania, West Virginia, or Maryland, contact us today. Let us handle the complexities of your insurance claim so you can focus on what matters most—getting your life back on track. Call A H Neaman Company today!

Understanding Depreciation in Property Insurance Claims

A H Neaman on January 22, 2025

When disaster strikes and your property is damaged, you may rely on your insurance policy to cover the costs of repairs or replacements. However, understanding how depreciation affects your property insurance claim can significantly impact the compensation you receive. For homeowners and business owners in Pennsylvania, West Virginia, and Maryland, having the guidance of a skilled public adjuster is crucial to navigating the complexities of depreciation in insurance claims.

What Is Depreciation in Insurance Claims?

Depreciation refers to the reduction in the value of an item over time due to factors like age, wear and tear, and obsolescence. When filing a property insurance claim, insurers often consider depreciation when calculating the payout for damaged or destroyed items. This means you may receive less than the cost of replacing the item at current market value.

For example, if a 10-year-old roof is damaged in a storm, the insurer may calculate the roof’s depreciated value based on its age and expected lifespan, rather than paying the full cost of a new roof.

How Depreciation Affects Your Claim

Depreciation primarily comes into play in two types of property insurance policies:

1. Actual Cash Value (ACV) Policies

An ACV policy reimburses you for the depreciated value of your damaged property. This means you’ll receive a payout equivalent to the item’s current value, not its replacement cost. While ACV policies often have lower premiums, the lower payout can leave policyholders struggling to cover repair or replacement costs.

2. Replacement Cost Value (RCV) Policies

RCV policies cover the cost of replacing damaged property with new items of similar kind and quality. Depreciation is initially factored into the claim payout, but once repairs or replacements are completed, you may be eligible to recover the depreciated amount through a process called recoverable depreciation.

Commonly Depreciated Items in Claims

Insurers typically apply depreciation to:

Roofing materials
Appliances and electronics
Furniture and fixtures
Flooring
HVAC systems

The depreciation rate varies based on the item’s age, condition, and expected lifespan, which can differ widely depending on the insurer’s guidelines.

How to Minimize the Impact of Depreciation

Although depreciation is a standard part of insurance claims, there are steps you can take to minimize its impact and maximize your payout:

1. Maintain Detailed Records

Keep receipts, warranties, and photos of your property to establish its original value and condition. These records can be invaluable when disputing depreciation calculations.

2. Document the Damage

After a loss, take detailed photos and videos of the damage to show the insurer the property’s pre-loss condition.

3. Understand Your Policy

Review your insurance policy to understand whether it’s an ACV or RCV policy and how depreciation will be applied. A public adjuster can help interpret complex policy language and ensure you understand your coverage.

4. Request an Itemized Depreciation Report

Ask your insurer for a breakdown of how depreciation was calculated for each item. If you believe the values are incorrect, you have the right to dispute them.

5. Work with a Public Adjuster

A public adjuster in PA, WV, or MD can advocate on your behalf to ensure the insurer fairly applies depreciation and maximizes your claim payout.

Recoverable Depreciation: What You Need to Know

If your policy includes replacement cost coverage, you may be eligible to recover the depreciated amount once you replace the damaged item. This process typically involves submitting receipts or proof of repair to the insurer.

Key Points to Remember:

Recoverable depreciation is only available for RCV policies.
Insurers often impose deadlines for submitting documentation to recover depreciation.
Working with a public adjuster can help you navigate this process and avoid missing critical deadlines.

Why Insurers Use Depreciation

Insurers use depreciation to balance the costs of claims and prevent overpayment for older items. However, this practice can sometimes feel unfair to policyholders who are left with insufficient funds to replace essential items.

By understanding how depreciation works and taking proactive steps, you can challenge unfair depreciation rates and ensure a more equitable settlement.

How A Public Adjuster Can Help

Navigating depreciation in property insurance claims can be complex and frustrating, especially when you’re dealing with the aftermath of a disaster. A public adjuster brings expertise and advocacy to the table, ensuring you receive the compensation you deserve.

At A H Neaman Company, we specialize in helping policyholders in Pennsylvania, West Virginia, and Maryland maximize their insurance claims. Here’s how we can assist:

Policy Review: We’ll help you understand your coverage and identify potential issues with depreciation.
Claim Preparation: From documenting damage to calculating accurate repair costs, we’ll handle the details.
Negotiation: We’ll advocate for a fair settlement, challenging unfair depreciation calculations when necessary.
Recoverable Depreciation: We’ll guide you through the process of recovering depreciation on replacement cost policies.

Why Choose A H Neaman Company?

We understand that property damage is more than just an inconvenience—it’s a disruption to your life or business. Our team is committed to fighting for your rights and ensuring you receive the full compensation you’re entitled to.

Whether you’re dealing with an insurance claim in PA, WV, or MD, we have the expertise and dedication to make a difference.

Take Control of Your Insurance Claim Today

Understanding depreciation and its impact on your insurance claim is key to achieving a fair settlement. Don’t let complex calculations and policy language prevent you from getting the compensation you deserve.

If you’re facing challenges with your property insurance claim, contact A H Neaman Company today. As experienced public adjusters in Pennsylvania, West Virginia, and Maryland, we’re here to fight for your rights and help you navigate the claims process with confidence.

Get the compensation you deserve—call us today!

What to Do When a Pipe Bursts

A H Neaman on January 21, 2025

A burst pipe can quickly escalate into a homeowner’s nightmare, causing water damage, structural issues, and hefty repair bills. Acting swiftly and strategically can help minimize the damage and get your home back to normal faster. If you’re in Pennsylvania, West Virginia, or Maryland, and you’re dealing with the aftermath of a burst pipe, this guide will walk you through the essential steps and explain how a public adjuster can help you navigate the insurance claims process.

Pipe Bursts

1. Shut Off the Water Immediately

The first and most critical step is to stop the flow of water. Locate your main water shut-off valve and turn it off to prevent further flooding.

Pro Tip: Familiarize yourself with the location of your shut-off valve before an emergency occurs. It’s often located in the basement, crawl space, or near your water meter.

2. Turn Off the Power in Affected Areas

Water and electricity don’t mix, so it’s essential to turn off the power to the areas impacted by the burst pipe. This will help avoid the risk of electrocution or electrical fires.

If you’re unsure how to safely turn off the power, contact an electrician for assistance.

3. Document the Damage

Before starting any cleanup efforts, take photos and videos of the affected areas. Proper documentation is crucial for filing an accurate insurance claim.

Focus on Details: Capture visible water damage, including soaked walls, flooring, ceilings, and any damaged personal belongings.
Keep a List: Create an inventory of items damaged by the water, noting their approximate value and condition before the incident.

4. Mitigate Further Damage

Insurance policies typically require homeowners to take reasonable steps to prevent additional damage. While you should avoid extensive repairs until after your claim is filed, you can take temporary measures to protect your property.

Use tarps or plastic sheets to cover holes or leaks.
Place buckets or containers under dripping water to minimize further damage.
Mop up standing water to prevent mold growth.

5. Contact Your Insurance Company

Notify your insurance company as soon as possible. Most policies cover water damage caused by sudden and accidental events, like a burst pipe, but specific exclusions may apply.

Provide the documentation you’ve collected, including photos, videos, and an inventory of losses.
Request a copy of your policy to understand what is covered and any limitations.

6. Consult a Public Adjuster

Navigating the insurance claims process can be challenging, especially when dealing with the stress of a water damage emergency. Hiring a public adjuster can make all the difference.

What We Do: As public adjusters serving Pennsylvania, West Virginia, and Maryland, we work on your behalf—not the insurance company—to ensure you receive the maximum compensation for your losses.
How We Help: We assess the damage, document your claim, negotiate with your insurer, and handle the paperwork so you can focus on recovery.

7. Call a Professional Plumber

Once the immediate damage is under control, contact a licensed plumber to identify the cause of the burst pipe and make necessary repairs.

Common Causes of Burst Pipes:
- Freezing temperatures
- High water pressure
- Corroded or worn-out pipes

Your plumber can provide insight into preventing future pipe bursts and recommend any additional repairs needed to your plumbing system.

8. Start the Cleanup Process

Cleaning up after a burst pipe can be a daunting task, but acting quickly can prevent further issues like mold growth.

Dry the Area: Use fans, dehumidifiers, and open windows to dry out the affected areas as quickly as possible.
Remove Damaged Materials: Tear out waterlogged drywall, insulation, and flooring if necessary.
Disinfect: Clean surfaces with a bleach solution to kill bacteria and prevent mold.

9. Understand Your Insurance Coverage

Water damage claims can be complex, with coverage often varying based on the cause of the damage. Most standard homeowners’ policies cover sudden and accidental events like a burst pipe but may exclude damages caused by neglect or wear and tear.

Key Areas to Review in Your Policy:
- Dwelling coverage for structural repairs
- Personal property coverage for damaged belongings
- Additional living expenses (ALE) if you need temporary housing

A public adjuster can help interpret your policy and ensure no covered damages are overlooked.

10. Prevent Future Pipe Bursts

After addressing the immediate crisis, take steps to reduce the risk of future pipe bursts:

Winterize Pipes: Insulate pipes in unheated areas and let faucets drip during freezing temperatures.
Monitor Water Pressure: Install a pressure regulator to keep water pressure within safe limits.
Inspect Regularly: Check for signs of corrosion, leaks, or weak spots in your plumbing system.

Why Work with a Public Adjuster in PA, WV, and MD?

Dealing with the aftermath of a burst pipe is stressful, and insurance companies may not always offer the full compensation you deserve. That’s where a public adjuster comes in.

Personalized Support: We handle the entire claims process, from documenting the damage to negotiating settlements.
Local Expertise: With years of experience serving homeowners in Pennsylvania, West Virginia, and Maryland, we understand the unique challenges of water damage claims in this region.
Maximized Settlements: Our goal is to ensure you receive fair compensation to cover repairs, replacements, and other expenses.

Final Thoughts

A burst pipe can wreak havoc on your home, but taking prompt action and partnering with a trusted public adjuster can make all the difference. By following this step-by-step guide, you can minimize damage, protect your rights as a homeowner, and navigate the insurance claims process with confidence.

If you’re dealing with water damage from a burst pipe in Pennsylvania, West Virginia, or Maryland, contact us today for expert assistance. We’re here to help you get back on your feet and ensure your claim is handled properly. Call A H Neaman Company today!

How Insurance Claim Denials Happen

A H Neaman on January 20, 2025

Filing an insurance claim after experiencing property damage or loss can be a stressful process, especially when your claim is denied. For homeowners and business owners in Pennsylvania, West Virginia, and Maryland, understanding the reasons behind insurance claim denials and knowing how to respond can make a significant difference in the outcome. With the support of a skilled public adjuster, you can navigate these challenges and fight for the compensation you deserve.

Common Reasons Insurance Claims Are Denied

Insurance companies deny claims for a variety of reasons, some legitimate and others questionable. Here are the most common causes of claim denials:

1. Insufficient Documentation

One of the most frequent reasons for claim denials is a lack of proper documentation. If you fail to provide clear evidence of the damage, the insurer may argue that your claim lacks merit.

Solution:
Document all damage thoroughly, including photos, videos, and written descriptions. Keep receipts, invoices, and any other records related to repairs or replacements. A public adjuster in PA, WV, or MD can help you organize and present this information effectively.

2. Policy Exclusions

Insurance policies include exclusions—situations or types of damage that are not covered. For instance, flood damage may not be included in a standard homeowner’s policy, requiring separate flood insurance.

Solution:
Review your policy carefully to understand its limitations. If you’re unsure about specific exclusions, consult a public adjuster to interpret your coverage and ensure the denial is valid.

3. Missed Deadlines

Insurance companies often have strict timelines for filing claims and providing required documentation. Missing these deadlines can result in an automatic denial.

Solution:
Act quickly when damage occurs. Notify your insurer immediately and adhere to their timeline. A public adjuster can keep track of deadlines and ensure your claim is filed on time.

4. Disputes Over the Cause of Damage

Insurance companies may argue that the damage you’re claiming is due to wear and tear, negligence, or a pre-existing condition, rather than a covered event.

Solution:
Provide evidence that supports your case, such as expert opinions or repair records. A public adjuster can work with contractors or specialists to build a compelling argument for your claim.

5. Low Estimates from Adjusters

Insurers may rely on their own adjusters to estimate repair costs, often resulting in figures that are lower than what’s needed for full restoration.

Solution:
Challenge low estimates by obtaining independent contractor assessments. A public adjuster can also negotiate directly with the insurance company on your behalf to secure a fair payout.

What to Do If Your Claim Is Denied

If your claim is denied, don’t panic. Denials are not always final, and there are steps you can take to challenge the decision:

1. Understand the Reason for Denial

Carefully review the denial letter from your insurer, which should outline the specific reasons for the decision.

Action Step:
Compare the denial reasons with the terms of your policy. If you believe the denial is unjustified, document why you disagree.

2. Gather Additional Evidence

If your claim was denied due to insufficient documentation or disputed damage causes, gather more evidence to strengthen your case.

Action Step:
Take additional photos, collect expert opinions, or obtain repair estimates that counter the insurer’s arguments.

3. File an Appeal

Most insurance companies have an appeals process for denied claims. This involves submitting a written request for reconsideration along with any supporting evidence.

Action Step:
Work with a public adjuster in Pennsylvania, West Virginia, or Maryland to prepare a strong appeal that clearly outlines your case.

4. Hire a Public Adjuster

Public adjusters are independent professionals who work exclusively for policyholders to maximize claim payouts.

Action Step:
Contact a licensed public adjuster to review your denial, assess the validity of your claim, and handle negotiations with your insurer.

5. Consider Legal Action

If all else fails, you may need to consult an attorney to pursue legal action against your insurance company for unfair denial practices.

Action Step:
Before taking legal steps, consult a public adjuster to determine whether litigation is necessary or if your claim can still be resolved through negotiation.

How a Public Adjuster Can Help

Navigating a denied insurance claim can be overwhelming, especially when you’re already dealing with the stress of property damage or loss. That’s where a public adjuster comes in. At A H Neaman Company, we specialize in helping homeowners and business owners in PA, WV, and MD fight back against unfair claim denials.

Why Choose A H Neaman Company?

Expertise in Policy Interpretation: We’ll help you understand your policy and identify whether your denial was justified.
Thorough Documentation: We’ll assist in gathering the evidence needed to support your case.
Professional Negotiation: We’ll handle discussions with your insurer to secure the payout you deserve.
Peace of Mind: With us on your side, you can focus on recovery while we manage the claims process.

Don’t Settle for Less

Insurance claims are meant to provide the financial support you need during difficult times, but denials can make that process feel impossible. By understanding why denials happen and taking proactive steps to fight back, you can turn things around and secure a fair outcome.

If you’re facing a denied claim in Pennsylvania, West Virginia, or Maryland, don’t hesitate to reach out to A H Neaman Company. Our experienced public adjusters will stand by your side, fight for your claim, and ensure you get the compensation you deserve.

Contact us today for a consultation and take the first step toward resolving your denied insurance claim.

Steps to Take Immediately After a House Fire

A H Neaman on January 17, 2025

A house fire is a devastating experience that can leave homeowners feeling overwhelmed and unsure of what to do next. While the emotional toll is significant, taking immediate and strategic action can help protect your interests, minimize losses, and expedite the recovery process. As a public adjuster serving Pennsylvania, West Virginia, and Maryland, we’re here to guide you through the critical steps to take after a house fire.

1. Ensure Safety First

Your safety and that of your family should be your top priority. Once the fire department declares the property safe to enter, proceed cautiously. Even if the flames are out, hidden dangers like structural damage, hot spots, or toxic fumes may remain.

Avoid entering the property until authorities permit it.
Keep pets and children away from the site.
Wear protective gear, such as gloves and masks, when handling debris.

2. Contact Your Insurance Company

Notify your insurance company as soon as possible to start the claims process. Provide them with your policy number and any initial details about the fire. Most insurance companies will send an adjuster to assess the damage, but it’s important to remember that their primary goal is to protect the insurance company’s interests.

3. Document the Damage

Thorough documentation is key to a successful insurance claim. While it’s natural to want to start cleaning up, resist the urge until you’ve captured detailed records of the damage.

Photographs and Videos: Take clear, comprehensive photos and videos of all affected areas, including personal belongings and structural damage.
Inventory of Losses: Create a detailed list of damaged or destroyed items, noting their approximate value and any receipts if available.
Save All Receipts: Keep receipts for temporary housing, food, clothing, or any other expenses incurred due to the fire.

4. Secure the Property

Once it’s safe to do so, take steps to secure your home from further damage or unauthorized access. Insurance policies often require homeowners to mitigate additional risks, such as weather exposure or theft.

Board up broken windows and doors.
Cover damaged sections of the roof with a tarp.
Turn off utilities, such as electricity, gas, and water, if they haven’t already been shut off by emergency responders.

5. Hire a Public Adjuster

Navigating the insurance claims process can be overwhelming, especially when dealing with the emotional aftermath of a fire. A public adjuster works on your behalf, not the insurance company, to ensure you receive the maximum settlement for your losses.

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we specialize in assessing fire damage, preparing detailed claims, and negotiating with insurance companies. Our goal is to save you time and stress while securing the compensation you deserve.

6. Understand Your Insurance Coverage

Fire insurance policies can be complex, with various terms and conditions that may affect your claim. It’s crucial to understand what your policy covers, including:

Dwelling Coverage: Repairs to the home’s structure.
Personal Property Coverage: Replacement or reimbursement for personal belongings.
Additional Living Expenses (ALE): Costs for temporary housing and other living expenses while your home is uninhabitable.

A public adjuster can help you interpret your policy and identify any coverage gaps or additional benefits.

7. Avoid Common Pitfalls

After a house fire, homeowners often face challenges that can complicate their recovery. Here are some common pitfalls to avoid:

Rushing the Cleanup: Wait for professional inspections and documentation before starting the cleanup process.
Settling Too Quickly: Insurance companies may offer an initial settlement that doesn’t fully cover your losses. Consult a public adjuster before accepting any offers.
Overlooking Hidden Damage: Fires can cause structural and smoke damage that isn’t immediately visible. A thorough inspection is essential to uncover all issues.

8. Seek Emotional Support

Experiencing a house fire can be traumatic, and it’s important to prioritize your emotional well-being. Reach out to family, friends, or professional counselors for support. Community resources and organizations may also offer assistance to help you through this difficult time.

9. Plan for Recovery

Rebuilding your home and life after a fire takes time, but having a plan can make the process more manageable.

Work with contractors experienced in fire restoration.
Keep open communication with your insurance company and public adjuster.
Stay organized by maintaining all documents related to the fire, including claim forms, repair estimates, and receipts.

Why Choose a Public Adjuster?

Dealing with the aftermath of a house fire is complex, and navigating insurance claims on your own can be daunting. A public adjuster acts as your advocate, ensuring your claim is accurately assessed and fairly compensated.

As experts in fire damage claims, we’ve helped countless homeowners in Pennsylvania, West Virginia, and Maryland recover from devastating losses. From documenting damage to negotiating settlements, we’re with you every step of the way.

Final Thoughts

A house fire is a life-altering event, but taking immediate and informed action can help you regain control and start the recovery process. By prioritizing safety, documenting damage, and enlisting the help of a trusted public adjuster, you can navigate this challenging time with confidence.

If you’ve experienced a house fire and need assistance with your insurance claim, contact us today. We’re here to support homeowners in Pennsylvania, West Virginia, and Maryland, ensuring you get the compensation you deserve to rebuild and move forward. Call A H Neaman today!

The Top 5 Most Common Insurance Claim Mistakes

A H Neaman on January 16, 2025

Filing an insurance claim is often an unavoidable necessity for homeowners dealing with property damage. However, navigating the claims process can be tricky, and making a mistake can result in delays, reduced payouts, or even denials. By recognizing and avoiding the most common errors, you can ensure your claim is handled effectively. Whether you’re in Pennsylvania, West Virginia, or Maryland, a public adjuster can provide the expertise you need to sidestep these pitfalls and secure a fair settlement.

Insurance Claim

1. Failing to Understand Your Policy

Insurance policies are often filled with dense language and fine print that many homeowners overlook until it’s time to file a claim. This can lead to misunderstandings about what is and isn’t covered, leaving you surprised when your claim is partially or completely denied.

How to Avoid It:
Take the time to thoroughly review your policy and clarify any uncertainties. Look for key details such as coverage limits, exclusions, and deductible amounts. If you’re unsure about the specifics, consult a public adjuster in PA, WV, or MD to ensure you fully understand your coverage.

2. Delaying Reporting the Damage

Many homeowners procrastinate when it comes to reporting property damage. Whether it’s due to uncertainty about the process or underestimating the severity of the damage, delays can negatively impact your claim.

How to Avoid It:
Notify your insurance company as soon as possible after discovering damage. Most policies have specific timeframes for reporting claims, and failing to adhere to these deadlines can result in a denial. A public adjuster can guide you in promptly documenting and reporting the damage to strengthen your claim.

3. Inadequate Documentation of Damage

Insurance companies rely on evidence to assess claims, and insufficient documentation can lead to undervalued settlements. Some homeowners fail to take detailed photos or keep track of damaged items, which can weaken their case.

How to Avoid It:
Document everything thoroughly. Take clear, high-quality photos and videos of the damage from multiple angles. Create a detailed inventory of damaged belongings, including descriptions, estimated values, and receipts if possible. A public adjuster can help you compile and organize the necessary evidence to support your claim effectively.

4. Accepting the First Settlement Offer

Many homeowners accept the initial settlement offer from their insurance company without questioning it, assuming it’s the best they can get. However, initial offers are often lower than what you may be entitled to.

How to Avoid It:
Don’t feel pressured to accept the first offer without careful consideration. Review the offer in detail and compare it to your documented losses. A public adjuster in Pennsylvania, West Virginia, or Maryland can negotiate on your behalf to ensure you receive a fair settlement that fully covers your losses.

5. Trying to Handle Complex Insurance Claims Alone

Insurance claims can be intricate, especially for significant losses or when disputes arise. Many homeowners attempt to handle the process independently, only to become overwhelmed by the complexities and communication with the insurance company.

How to Avoid It:
Seek professional assistance from a licensed public adjuster. Unlike insurance company adjusters, public adjusters work for you, not the insurer. They have the expertise to navigate the claims process, advocate for your best interests, and maximize your payout.

How a Public Adjuster Can Help

If you’re filing a claim in Pennsylvania, West Virginia, or Maryland, working with a public adjuster can make a significant difference in the outcome. At A H Neaman Company, we specialize in helping homeowners and business owners navigate the claims process with confidence. From reviewing your policy to documenting damages and negotiating settlements, we’re here to ensure you get the money you deserve.

Key Benefits of Hiring a Public Adjuster:

Expertise in interpreting complex insurance policies.
Professional documentation and evidence collection.
Skilled negotiation to secure a fair payout.
Time savings and reduced stress for homeowners.

Don’t Let Mistakes Cost You

Filing an insurance claim is a critical step in recovering from property damage, but even small errors can have significant consequences. By avoiding common mistakes—like misunderstanding your policy, delaying reporting, or accepting a lowball offer—you can protect your rights and ensure a smoother claims process.

If you’re feeling uncertain about any aspect of your claim, A H Neaman Company is here to help. Our experienced public adjusters in Pennsylvania, West Virginia, and Maryland will work tirelessly to advocate for your best interests, fight for your claim, and get you the compensation you deserve.

Contact A H Neaman Company today to schedule a consultation and let us handle the complexities of your insurance claim.

Comparing Public Adjusters vs. Independent Adjusters

A H Neaman on January 10, 2025

When disaster strikes, whether it’s a fire, storm, or flood, homeowners rely on their insurance policies to help them recover. However, dealing with insurance claims can be a complicated and overwhelming process. In these challenging times, understanding the role of public adjusters is crucial to getting the compensation you deserve.

While there are different types of adjusters in the insurance claims process, two of the most common are public adjusters and independent adjusters. Many homeowners are unaware of the key differences between these two, which can impact the outcome of their claims. In this blog post, we’ll compare public adjusters and independent adjusters and help homeowners in Pennsylvania, West Virginia, and Maryland understand which type of adjuster is best suited to represent their interests.

What is a Public Adjuster?

A public adjuster is a licensed professional who works exclusively for the policyholder, not the insurance company. Their role is to represent the interests of the homeowner, ensuring that they receive the maximum compensation allowed under their policy. Public adjusters are typically hired by policyholders to assist with filing claims, assessing damage, negotiating with the insurance company, and, if necessary, appealing claim denials.

Public adjusters are paid a fee based on a percentage of the settlement amount, and their job is to advocate on behalf of the homeowner, ensuring that they get a fair payout. As a result, public adjusters work for you, the homeowner, and their loyalty lies solely with your best interests.

What is an Independent Adjuster?

An independent adjuster is a third-party contractor who is hired by the insurance company to handle claims. Independent adjusters are not employed by the insurer but work on a case-by-case basis for multiple insurance companies. Their primary role is to assess damage, investigate claims, and make recommendations regarding the payout based on the policyholder’s coverage.

Although independent adjusters may seem similar to public adjusters, there is a significant difference: independent adjusters are hired by the insurance company, which means their ultimate loyalty lies with the insurer. This can lead to conflicts of interest, as the adjuster may be incentivized to minimize the claim settlement in order to protect the insurer’s bottom line.

Key Differences Between Public Adjusters and Independent Adjusters

1. Who They Represent

The most significant difference between a public adjuster and an independent adjuster is who they represent.

Public adjusters represent the policyholder, ensuring that your interests are prioritized.
Independent adjusters are hired by the insurance company, meaning they are working for the insurer and their ultimate goal is to protect the company’s financial interests.

As a homeowner, hiring a public adjuster is often the best choice, as they are specifically trained to look out for your best interests and maximize your claim.

2. Compensation

Another key difference lies in how the adjusters are compensated.

Public adjusters typically work on a contingency basis, meaning they are paid a percentage of the final settlement. If you don’t win your claim or don’t get a satisfactory payout, they don’t get paid. This incentivizes public adjusters to work diligently to secure the maximum payout for you.
Independent adjusters, on the other hand, are paid directly by the insurance company, typically as a flat fee or on a per-case basis. As a result, their compensation is not tied to the outcome of the claim.

The contingency-based payment structure of a public adjuster helps ensure that they are motivated to secure a fair and substantial settlement.

3. Level of Expertise and Advocacy

Public adjusters are experts in the insurance claims process. They understand policy language, coverage limits, exclusions, and how to properly document and present a claim. They also have extensive experience negotiating with insurance companies to ensure that you receive fair compensation.

Public adjusters typically specialize in advocating for homeowners and businesses. They have the knowledge and expertise to handle even complex claims, such as those resulting from fire, water damage, or other natural disasters.
Independent adjusters, while skilled in assessing damage, work for the insurance company and are less likely to be as aggressive in negotiating for the homeowner. They are trained to evaluate claims, but their priorities align with the insurance company’s goal of minimizing payouts.

By hiring a public adjuster in Pennsylvania, West Virginia, or Maryland, you can rest assured that you have an experienced advocate on your side who will fight for the compensation you deserve.

4. Claims Process

The claims process is another area where the two types of adjusters differ.

Public adjusters manage the entire claims process for the homeowner, from filing the claim to negotiating with the insurance company and handling disputes. They ensure that all aspects of the claim are thoroughly investigated and documented, increasing the likelihood of a fair settlement.
Independent adjusters, while experienced in damage assessment, usually only handle the initial evaluation and reporting of the claim. They may not provide ongoing support or assistance throughout the entire process, leaving the homeowner to navigate the complexities of claim negotiations.

A public adjuster will guide you through every step of the process, ensuring you don’t miss any important details that could impact the value of your claim.

5. Potential for Conflict of Interest

One of the major concerns with independent adjusters is the potential for a conflict of interest. Since independent adjusters are paid by the insurance company, their incentive is to minimize the payout in order to reduce the insurer’s costs.

Public adjusters, on the other hand, are beholden only to the homeowner, ensuring that your best interests are the primary concern.

Why Homeowners Should Hire Public Adjusters

For homeowners in Pennsylvania, West Virginia, and Maryland, hiring a public adjuster can make a huge difference in the outcome of your insurance claim. Public adjusters are experienced professionals who are dedicated to fighting for the compensation you deserve. With their expertise in navigating the insurance claims process, public adjusters are more likely to secure a higher payout than if you handled the claim on your own or relied on an independent adjuster hired by the insurance company.

Conclusion

When it comes to managing insurance claims, especially after significant property damage, homeowners need an advocate who will prioritize their interests. Public adjusters are dedicated professionals who work for you, ensuring that your claim is handled properly and that you receive the maximum payout possible. Independent adjusters, while skilled, represent the insurance company and may not always act in your best interest.

At A H Neaman Company, we are licensed public adjusters in Pennsylvania, West Virginia, and Maryland. We specialize in helping homeowners navigate the insurance claims process and maximize their settlements. If you need help with an insurance claim, contact us today, and let us put our expertise to work for you!

Why Insurance Companies Deny Legitimate Insurance Claims

A H Neaman on January 8, 2025

Filing an insurance claim after a disaster or property damage should be a straightforward process, but for many homeowners and business owners, it can quickly turn into a frustrating battle. Insurance companies are in the business of minimizing their payouts, and even legitimate insurance claims can sometimes be denied. If you find yourself in this unfortunate situation, it’s important to understand why insurers deny claims and how you can fight back to ensure you receive the compensation you deserve.

At A H Neaman Company, we are experienced public adjusters in Pennsylvania, West Virginia, and Maryland, and we specialize in helping policyholders navigate denied claims. In this blog post, we’ll explain the common reasons insurance companies deny legitimate claims and offer tips on how to effectively challenge those denials.

Common Reasons Insurance Companies Deny Claims

While it may seem unfair, insurance companies often find ways to deny claims, even when they are legitimate. Below are some common reasons for denial:

1. Policy Exclusions

Insurance policies contain specific exclusions that outline the types of damage or events that are not covered. For example, some policies may exclude damage caused by flooding or certain types of natural disasters. If the cause of damage falls under one of these exclusions, an insurer may deny your claim outright.

How to Fight Back:
Review your insurance policy carefully to ensure that the damage you’re claiming isn’t explicitly excluded. If your damage falls within the policy’s coverage, but the insurer claims it’s excluded, you may need to hire a public adjuster to help interpret the policy and present a more compelling case to the insurance company.

2. Insufficient Documentation

Insurance companies rely heavily on documentation to determine the extent of the damage and the corresponding payout. If you fail to provide enough evidence or the right kind of documentation, your insurer may deny your claim, citing a lack of proof.

How to Fight Back:
To ensure you have strong documentation, take clear photographs and videos of the damage. Collect repair estimates from professionals, maintain an updated inventory of property, and keep all receipts and records of your possessions. If your claim is denied due to insufficient documentation, a public adjuster can assist in gathering and presenting the necessary proof.

3. Failure to Meet Deadlines

Every insurance policy has a timeline in which a claim must be filed after the damage occurs. If you miss this deadline, even by a small amount, the insurance company may deny your claim, citing a violation of the policy’s terms.

How to Fight Back:
It’s essential to be aware of the deadlines specified in your policy and file your claim as quickly as possible. If your claim is denied because of a missed deadline, your public adjuster can investigate whether the insurer has improperly applied the deadline or if there were extenuating circumstances that delayed your claim.

4. Claiming Damage from Pre-existing Conditions

Insurance companies may deny claims if they believe the damage was caused by a pre-existing condition or lack of maintenance. For example, if your roof is old and you claim storm damage, the insurer may argue that the roof’s age or poor maintenance was the real cause of the damage, not the storm itself.

How to Fight Back:
In these cases, it’s crucial to demonstrate that the damage was caused by a specific event (such as a storm, fire, or theft) and not a pre-existing issue. A public adjuster can help gather independent assessments from contractors or specialists to establish the actual cause of the damage and provide you with a better chance of winning your claim.

5. Underinsurance

Sometimes, insurers deny claims because the coverage is not enough to fully cover the damage. If you have a policy with a low coverage limit or one that doesn’t properly reflect the value of your property, your insurer may deny or reduce your claim amount, stating that it exceeds the policy’s limits.

How to Fight Back:
If you suspect underinsurance, it’s important to have a public adjuster review your policy and the damages. Public adjusters are skilled at assessing property values and ensuring that the policy limits are adequate. If the insurance company has underpaid or undervalued your claim, your public adjuster can help negotiate a fair settlement or even file an appeal.

Steps to Take When Your Claim Is Denied

If your insurance claim is denied, it’s important not to accept the denial without further investigation. Follow these steps to fight back:

1. Request a Detailed Explanation

When an insurance company denies a claim, it is legally required to provide a written explanation outlining the reasons for the denial. Make sure you fully understand the reasons before taking further action. If the reason for denial is unclear, ask for clarification.

2. Review Your Policy

Re-read your insurance policy to ensure that the damage is covered. Understand any exclusions, limits, or conditions that might affect your claim. If necessary, seek help from an experienced public adjuster to interpret complex policy language.

3. Gather Additional Documentation

If your claim was denied due to insufficient documentation, gather more evidence, such as photographs, repair estimates, and expert assessments. This is crucial for building a stronger case. A public adjuster can help identify any gaps in your documentation and assist in collecting additional proof.

4. File an Appeal

If your insurance company refuses to pay out or denies your claim outright, you have the right to appeal the decision. This process involves submitting a formal appeal letter and presenting your case to the insurer with additional evidence. A public adjuster can help you craft a compelling appeal.

5. Consider Legal Action

If your appeal is unsuccessful, you may want to consider taking legal action. Some cases may require litigation, especially if bad faith is suspected. Working with a lawyer who specializes in insurance disputes can help you navigate this process.

How a Public Adjuster Can Help

Fighting a denied insurance claim can be overwhelming, but a public adjuster can help level the playing field. A public adjuster is an independent, licensed professional who works on your behalf, not the insurance company’s. They assist in interpreting your policy, gathering evidence, and negotiating with your insurer. In Pennsylvania, West Virginia, and Maryland, A H Neaman Company has a proven track record of successfully helping clients fight denied claims and secure the compensation they deserve.

Our team of experienced public adjusters understands the nuances of insurance policies and the tactics that insurance companies use to deny legitimate claims. We work with homeowners and business owners to ensure that their claims are handled professionally and fairly.

Conclusion

Dealing with a denied insurance claim can be frustrating and confusing, but you don’t have to face it alone. If your insurance company has denied your claim, consider consulting with a public adjuster to review your case and fight for the compensation you deserve. At A H Neaman Company, we specialize in advocating for policyholders in Pennsylvania, West Virginia, and Maryland. Let us help you navigate the claims process and ensure that your legitimate claim is paid out in full. Contact us today for a consultation and start fighting back against unjust claim denials.

Documentation in Commercial Property Claims

A H Neaman on January 6, 2025

When it comes to commercial property claims, proper documentation can make the difference between receiving a fair payout and having your claim undervalued or denied. Whether your business is dealing with fire, storm, water damage, or theft, having the right paperwork and evidence to support your claim is crucial to ensure that you are compensated fairly. At A H Neaman Company, we understand the importance of documentation, and as experienced public adjusters in Pennsylvania, West Virginia, and Maryland, we help business owners navigate the complex insurance claims process to ensure they get the compensation they deserve.

Why Documentation is Critical in Commercial Property Claims

Insurance companies rely on the information you provide to assess the damages and determine the payout. If your documentation is incomplete or insufficient, your insurer may undervalue your claim or even deny it altogether. Having comprehensive and accurate documentation is essential for several reasons:

Proves the Extent of Damage
Without solid evidence, insurance companies may be reluctant to approve your claim. Thorough documentation helps prove the full extent of the damage, allowing your insurer to assess the claim more accurately. This includes photographs, videos, and written reports that detail the damages, the area affected, and the impact on your business operations.
Supports Your Loss of Income Claim
If your commercial property was damaged to the point where you couldn’t operate, you may be eligible for compensation under business interruption coverage. Detailed documentation of the damage, the length of downtime, and how it has affected your revenue is critical in securing this type of claim. Your insurer will need evidence to verify the losses and calculate the compensation accurately.
Helps You Meet Insurance Requirements
Insurance policies often include specific requirements for submitting claims. Failing to meet these guidelines could result in claim delays or denials. Proper documentation ensures that your claim is in line with your policy’s terms and conditions, giving you the best chance at a fair settlement.
Facilitates Negotiations
The claims process can be challenging, especially when dealing with large losses or complex damage. If your insurance company offers a settlement that is too low, having proper documentation helps you negotiate for a more accurate payout. With a well-documented claim, you can present your case more effectively to the insurer or to a public adjuster.

Key Documentation for Commercial Property Claims

There are several types of documentation that business owners should gather in the event of a commercial property insurance claim. These include:

Photographic and Video Evidence
Take clear, high-quality photos and videos of all the damage. Capture wide shots to show the overall impact, as well as close-ups of specific damages. This can include broken windows, fire damage, waterlogged areas, or structural issues. Don’t forget to record any contents that were damaged, such as equipment, inventory, or furniture.
Damage Assessments and Repair Estimates
Obtain professional assessments from contractors or specialists who can evaluate the damage. This may include structural engineers, electricians, or HVAC technicians who can determine the severity of the damage and provide estimates for repairs. These estimates should be thorough and detailed, reflecting both the costs of repairs and any necessary materials.
Inventory Lists
For businesses with significant inventory, it’s important to maintain an updated inventory list. Include details such as product descriptions, quantities, and values. In the event of damage or theft, this list can help you substantiate your claim for lost goods.
Receipts and Purchase Records
Provide proof of ownership for items that were damaged or destroyed. Receipts, invoices, and purchase records will help demonstrate the value of these items and support your claim for replacement costs. For businesses that have undergone renovations or purchased new equipment recently, receipts will be essential to show the most current value of the property.
Business Financial Records
To support a business interruption claim, you may need to provide financial records such as profit and loss statements, tax returns, and bank statements. These documents help establish the impact of the damage on your income and can be crucial in calculating your loss of earnings.
Insurance Policy Documents
Keep a copy of your insurance policy in a safe, accessible location. This should include all endorsements, amendments, and clauses that are specific to your coverage. Familiarizing yourself with your policy beforehand can help you understand the coverage limits and exclusions, ensuring you don’t miss out on compensation for certain types of damages.

The Role of a Public Adjuster in Documentation and Claims

While preparing documentation is essential, it can be overwhelming, especially if you’re dealing with large-scale damage to your commercial property. This is where a public adjuster comes in. Public adjusters are licensed professionals who advocate for policyholders throughout the claims process. They play an important role in ensuring that your documentation is thorough, accurate, and in line with insurance company requirements.

At A H Neaman Company, we help business owners in Pennsylvania, West Virginia, and Maryland maximize their insurance claims by providing expert assistance with documentation, damage assessments, and negotiations with insurers. Here’s how a public adjuster can assist with your commercial property claim:

Help with Documentation Gathering
Public adjusters understand the documentation requirements for insurance claims. They can guide you in collecting the necessary evidence to prove your claim and ensure you don’t overlook anything critical.
Provide Expert Damage Assessments
Public adjusters have experience working with contractors and appraisers to assess the true extent of property damage. Their expertise helps ensure that the damage is properly documented and valued.
Negotiate on Your Behalf
Once your documentation is in order, a public adjuster will help you present it to your insurer and negotiate for a fair settlement. They work to maximize your claim and ensure that the payout reflects the full extent of the damages.
Handle Disputes
If your insurance company disputes your claim or offers an unfair settlement, a public adjuster can step in to fight for your best interests. They’ll use the documentation you’ve provided to push back against lowball offers and ensure a fair payout.

Conclusion

When dealing with a commercial property insurance claim, documentation is the key to a successful outcome. Thorough, accurate records not only help prove the extent of the damage but also support your claim for business interruption and other expenses. Working with a public adjuster in Pennsylvania, West Virginia, and Maryland ensures that your documentation is complete and your claim is handled professionally.

At A H Neaman Company, we are committed to helping business owners navigate the insurance claims process. If you need assistance with documenting your damages or filing a commercial property claim, contact us today. Let us help you get the compensation you deserve.

How to Prepare for Winter Weather Insurance Claims

A H Neaman on January 3, 2025

Winter can be a challenging season for homeowners, bringing risks like heavy snow, ice damage, and freezing temperatures. While insurance policies often provide coverage for many winter weather insurance claims, navigating the claims process can be daunting. Preparing in advance can save you time, money, and stress if the unexpected happens.

At A H Neaman Company, we help homeowners in Pennsylvania, West Virginia, and Maryland maximize their insurance claims and ensure fair compensation. Here’s how to prepare for winter weather insurance claims so you’re ready to face the season with confidence.

Common Winter Weather Risks

Understanding the types of damage commonly associated with winter weather can help you prepare:

Frozen Pipes: Low temperatures can cause pipes to freeze and burst, leading to water damage.
Roof Damage: Snow and ice accumulation may lead to roof leaks, collapses, or damage to gutters.
Ice Dams: Ice buildup along roof edges can prevent melting snow from draining, causing interior water damage.
Fallen Trees: Heavy snow or ice can weaken trees and cause them to fall on structures or vehicles.
Hail Damage: Hailstorms can damage roofs, siding, and outdoor equipment.

Knowing these risks is the first step in preparing for potential claims.

Review Your Insurance Policy

Before winter hits, review your homeowner’s insurance policy to understand what’s covered. Look for:

Coverage for Winter Risks: Ensure your policy covers common winter damage, such as water damage, roof leaks, and tree damage.
Exclusions: Be aware of any exclusions, such as damage caused by poor maintenance or flooding from snowmelt.
Deductibles: Know your deductible amount, as it will impact whether filing a claim is worthwhile for smaller damages.

If you’re unsure about your coverage, consider consulting a public adjuster. At A H Neaman Company, we can review your policy and provide clarity on your protection.

Document Your Property Before Winter

Proper documentation is key to supporting an insurance claim. Take these steps before the first snowfall:

Photograph Your Home: Capture clear photos and videos of your property, including the roof, siding, windows, and landscaping.
Inventory Valuables: Document high-value items inside your home, such as electronics, furniture, and appliances.
Save Receipts: Keep records of recent repairs or upgrades, as these may help validate your claim.

This documentation provides a baseline to demonstrate the extent of any winter damage.

Preventative Maintenance

Insurance policies often exclude damage caused by neglect. Regular maintenance can help prevent winter-related issues and demonstrate due diligence if you need to file a claim.

1. Insulate Pipes

Wrap exposed pipes in unheated areas with insulation to prevent freezing. Consider installing heat tape or pipe sleeves for extra protection.

2. Check Your Roof

Inspect your roof for loose shingles, cracks, or other vulnerabilities. Clear debris from gutters to ensure proper drainage.

3. Trim Trees

Remove dead or overhanging branches near your home to reduce the risk of falling trees during snow or ice storms.

4. Maintain Your Heating System

Schedule a professional inspection of your furnace or boiler to ensure it’s in good working order. A failure during freezing temperatures can lead to extensive damage.

5. Seal Drafts

Seal cracks around windows and doors to prevent heat loss and ice dams caused by uneven roof temperatures.

Know the Claims Process

Understanding the insurance claims process can help you act quickly if disaster strikes.

1. Report Damage Promptly

Notify your insurance company as soon as you discover damage. Delayed reporting can lead to claim denials.

2. Mitigate Further Damage

Take immediate steps to prevent additional damage, such as covering a damaged roof with a tarp or shutting off the water supply to a burst pipe.

3. Document the Damage

Take photos and videos of the damage before making temporary repairs. This evidence is crucial for your claim.

4. Get Estimates

Obtain repair estimates from licensed contractors to support your claim and challenge lowball offers from the insurer.

5. Consult a Public Adjuster

If you encounter challenges with your claim, a public adjuster can advocate for you and negotiate a fair settlement.

How A Public Adjuster Can Help

Winter weather claims can be complex, especially when insurers dispute the cause of damage or the cost of repairs. A public adjuster works exclusively for you, not the insurance company, to ensure your claim is handled fairly.

At A H Neaman Company, we specialize in helping homeowners in Pennsylvania, West Virginia, and Marylandnavigate the claims process. Our services include:

Thorough Damage Assessments: We document all damage to ensure no detail is overlooked.
Policy Reviews: We identify all coverage applicable to your claim.
Negotiation with Insurers: We advocate for a fair settlement, so you receive the compensation you deserve.

Be Proactive This Winter

Preparation is the key to minimizing damage and ensuring a smooth claims process. By reviewing your policy, documenting your property, performing preventative maintenance, and understanding the claims process, you can protect your home and financial well-being during the winter months.

If winter weather damages your home, don’t face the insurance process alone. A H Neaman Company is here to help homeowners in PA, WV, and MD fight for the settlements they deserve. Contact us today to learn how we can assist with your winter weather insurance claim.