What to Do After a Fire Loss

fire loss

Experiencing a fire in your home is a devastating event that can leave you feeling overwhelmed and uncertain about what to do next. Navigating the aftermath of a fire loss can be challenging, especially when dealing with insurance claims, restoration, and rebuilding. If you’re in Pennsylvania (PA), West Virginia (WV), or Maryland, A H Neaman Company is here to help you through every step of the claims process to ensure you get the compensation you deserve.

Step 1: Ensure Safety First

Your safety and the safety of your family should always be the top priority. After a fire:

  • Do not re-enter your home until firefighters or local authorities confirm it is safe.
  • Check for injuries and seek medical attention if necessary.
  • Find temporary shelter if your home is uninhabitable. Contact the Red Cross, local shelters, or family and friends for assistance.

Step 2: Contact Your Insurance Company

Once everyone is safe, you need to notify your insurance provider about the fire as soon as possible. Be prepared to provide:

  • Your policy number
  • Date and time of the fire
  • A brief description of the damage

While your insurance company will assign an adjuster, remember that their goal is to minimize payouts. That’s where A H Neaman Company comes in. As experienced public insurance adjusters serving PA, WV, and Maryland, we work for you, not the insurance company, to ensure you receive the maximum settlement.

Step 3: Document the Damage

Proper documentation is critical for filing a successful claim. To strengthen your case:

  • Take photos and videos of all fire-damaged areas, both inside and outside the home.
  • List all damaged or lost belongings, including their estimated value and purchase date.
  • Save receipts for emergency repairs, temporary housing, and any expenses related to the fire.

Step 4: Secure Your Property

Preventing further damage is crucial, as insurance companies may deny claims if they believe additional damage occurred due to negligence. Consider:

  • Boarding up broken windows and doors
  • Tarping the roof to prevent water damage
  • Turning off utilities if instructed by professionals

A H Neaman Company can help coordinate these emergency repairs and document everything for your claim.

Step 5: Understand Your Insurance Policy

Insurance policies can be complex, and many homeowners are unaware of what’s covered. Your policy may include:

  • Dwelling coverage for structural damage
  • Personal property coverage for lost or damaged belongings
  • Additional living expenses (ALE) for temporary housing

If you’re unsure about your policy details, let us review it for you. As public adjusters, we interpret your policy and ensure you’re not missing out on entitled benefits.

Step 6: File Your Insurance Claim

Submitting your claim properly increases your chances of a fair settlement. This process involves:

  • Completing claim forms accurately
  • Providing all required documentation
  • Negotiating with the insurance company

Insurance companies often try to minimize payouts or deny claims. A H Neaman Company fights for you, using our expertise to negotiate the highest possible settlement.

Step 7: Avoid Common Insurance Claim Pitfalls

Many homeowners make mistakes that hurt their claims, such as:

  • Accepting the first settlement offer without question
  • Not fully documenting all damages
  • Missing claim deadlines

Our team at A H Neaman Company ensures that you avoid these costly errors and get the compensation you deserve.

Step 8: Begin the Restoration Process

Once your claim is approved, it’s time to start rebuilding. We can help you:

  • Find reputable contractors
  • Ensure restoration work meets quality standards
  • Handle any disputes with the insurance company

Contact A H Neaman Company for Expert Assistance

Navigating a fire loss claim can be stressful, but you don’t have to do it alone. If you’ve experienced a fire loss in PA, WV, or Maryland, let A H Neaman Company handle your insurance claim so you can focus on rebuilding your life.

Call us today for a free consultation and let us fight for the compensation you deserve!

The Long-Term Effects of Water Damage 

water damage

Water damage is one of the most common and devastating issues homeowners face, but many are unaware of the long-term effects it can have on their homes, health, and finances. Whether caused by a burst pipe, a leaky roof, or flooding, water can seep into materials and structures, leading to a cascade of problems that may not be immediately visible. It’s crucial to understand the long-term consequences of water damage and take action to mitigate further damage.

As a public adjuster in Pennsylvania, West Virginia, and MarylandA H Neaman Company specializes in helping homeowners recover from water damage. In this blog post, we’ll explore the hidden, long-term effects of water damage and offer expert advice on how to address them to ensure your home remains safe and structurally sound.


1. Mold and Mildew Growth: A Serious Health Risk

One of the most dangerous and long-lasting effects of water damage is the potential for mold and mildew growth. These fungi thrive in moist environments and can begin growing within 24 to 48 hours after water exposure. If left unchecked, mold can spread rapidly, affecting not only your home’s structure but also your health.

Health Risks:

  • Respiratory Problems: Mold spores can trigger allergies, asthma, and other respiratory issues, especially in vulnerable individuals such as children, the elderly, and those with compromised immune systems.
  • Skin Irritation: Prolonged exposure to mold can lead to skin rashes or irritations.
  • Toxic Mold: In some cases, water damage can lead to the growth of toxic black mold, which can have severe health implications.

How to Address It:

  • Immediate Action: It’s essential to remove any standing water and dry out the affected area as quickly as possible. Use dehumidifiers and fans to reduce moisture levels.
  • Professional Mold Remediation: If mold is present, professional mold remediation services are necessary to ensure complete removal. A public adjuster can help ensure that mold damage is covered in your insurance claim.

2. Structural Integrity and Weakening of Materials

Water can gradually weaken the structural integrity of your home’s materials, leading to long-term damage that may not be immediately noticeable. Wooden beams, framing, and flooring can warp, rot, or buckle over time when exposed to moisture. Drywall can absorb water, leading to sagging, crumbling, or mold growth.

Potential Structural Problems:

  • Wood Rot: Prolonged exposure to moisture can cause wood to soften, weaken, and eventually rot, compromising the structural stability of your home.
  • Rust and Corrosion: Water damage can rust metal supports, pipes, and appliances, leading to further deterioration.
  • Drywall and Insulation Damage: Water can weaken drywall and insulation, causing them to lose their effectiveness in maintaining the structure and energy efficiency of your home.

How to Address It:

  • Professional Inspection: A licensed contractor or public adjuster can assess the structural damage to your home and determine if repairs or replacements are necessary.
  • Replace Damaged Materials: Any water-damaged wood, drywall, or insulation should be replaced to prevent further degradation and potential safety hazards.

3. Electrical Hazards

Water and electricity don’t mix, and when water damage affects electrical systems or outlets, it can lead to dangerous electrical hazards, including short circuits or electrical fires.

Electrical Hazards:

  • Short Circuits: Water can seep into electrical outlets, wiring, or panels, leading to short circuits that could damage electrical systems or cause fires.
  • Damage to Appliances: Appliances exposed to water may stop working or, worse, become a fire hazard if plugged in before being properly inspected.

How to Address It:

  • Turn Off Power: If you suspect water has affected your electrical system, turn off the power immediately to avoid potential shocks or fires.
  • Professional Inspection: Contact a licensed electrician to inspect the electrical systems and ensure there’s no risk of further damage or danger.
  • Insurance Claim Assistance: A public adjuster can help ensure that any water-related electrical damage is properly documented and covered under your insurance policy.

4. Long-Term Odors and Air Quality Issues

Water damage doesn’t just leave behind visible signs of destruction; it can also create lingering odors and impact your home’s air quality. Standing water, moisture, and mold growth all contribute to unpleasant smells that can permeate your home, making it uncomfortable and potentially harmful to your health.

Air Quality Problems:

  • Musty Odors: Water-damaged areas can emit persistent musty smells caused by mold and mildew, which can be difficult to eliminate.
  • Poor Indoor Air Quality: Moisture in the air can reduce air quality and exacerbate respiratory issues, particularly in homes with poor ventilation or existing mold problems.

How to Address It:

  • Dehumidifiers: Use dehumidifiers to reduce moisture levels and improve air quality in affected areas.
  • Odor Removal Services: Professional odor remediation services can remove musty odors caused by water damage, restoring your home’s comfort and livability.
  • Regular Ventilation: Ensure your home is properly ventilated to prevent moisture buildup and improve airflow, which can help reduce the risk of mold growth.

5. Increased Risk of Future Damage

Water damage doesn’t just cause immediate destruction—it can also set the stage for future damage. Once water has compromised your home, the materials and systems that were affected are more vulnerable to subsequent issues, such as recurring leaks or even structural failure.

Future Risks:

  • Recurring Leaks: If the original cause of the water damage—such as a leaking pipe or roof—isn’t properly repaired, you may face recurring leaks and water damage.
  • Decreased Home Value: Water damage that isn’t properly addressed can lower your home’s market value, making it harder to sell in the future.

How to Address It:

  • Thorough Repairs: Ensure that all sources of water damage are thoroughly addressed, including repairing leaks, replacing damaged pipes, and reinforcing compromised areas.
  • Work with a Public Adjuster: A public adjuster can help ensure that all necessary repairs are covered under your insurance policy, allowing you to restore your home without financial strain.

Why You Need A H Neaman Company

If you’ve experienced water damage in your home, A H Neaman Company is here to help. As a trusted public adjuster in PA, WV, and Maryland, we specialize in helping homeowners navigate the insurance claims process and ensure that all water damage—visible or hidden—is properly addressed and compensated.

How We Can Help:

  • Thorough Documentation: We document all the damage, including long-term effects like mold, structural issues, and electrical hazards, to ensure nothing is overlooked.
  • Expert Negotiation: We negotiate with your insurance company on your behalf, making sure you receive a fair and accurate settlement to cover the cost of repairs.
  • Peace of Mind: With our help, you can rest assured that your home will be restored to its pre-damage condition.

Conclusion

Water damage can have far-reaching consequences that extend well beyond the immediate effects of moisture exposure. From mold growth and structural damage to electrical hazards and decreased air quality, the long-term effects can be costly and complex to address. By working with A H Neaman Company, you’ll have an experienced public adjuster by your side to help you navigate the claims process and ensure that all damage is covered. Don’t wait—contact us today for expert assistance in handling your water damage claim and protecting your home’s future.

Does Filing an Insurance Claim Affect Your Premiums?

insurance claim

Filing an insurance claim can be a stressful experience, especially when you’re uncertain about the potential long-term impacts. A common concern among homeowners and business owners is whether filing a claim will lead to an increase in their insurance premiums. The answer isn’t always straightforward, as it depends on various factors, including the nature of the claim and the policies of your insurance provider.

If you’re in Pennsylvania, West Virginia, or Maryland, and you’re unsure about the impact of filing a claim, a public adjuster like A H Neaman Company can guide you through the process, helping you make informed decisions and ensuring you receive the settlement you deserve. In this blog, we’ll explore how filing a claim can affect your premiums and how working with a public adjuster can minimize risks and maximize outcomes.


Insurance Claim

How Insurance Companies Determine Premiums

Insurance premiums are calculated based on risk. When you purchase a policy, the insurer evaluates several factors, such as:

  • The likelihood of filing a claim.
  • The severity of potential claims.
  • Your claims history.
  • The type and value of your property.

If you file a claim, the insurance company may reassess your perceived risk, which can sometimes lead to an increase in premiums. However, not all claims result in higher rates.


When Filing a Claim May Affect Your Premiums

1. The Type of Claim

Certain types of claims are more likely to lead to premium increases than others. For example:

  • Frequent small claims may signal to the insurer that you’re a higher-risk policyholder.
  • Catastrophic claims (e.g., fire or major storm damage) may not immediately raise rates, especially if the event was widespread and impacted many policyholders.

2. The Cost of the Claim

Larger claims often lead to higher rate adjustments, as they represent a significant payout by the insurer.

3. Claims History

If you’ve filed multiple claims in a short period, insurers may view you as a higher risk, resulting in increased premiums or even non-renewal of your policy.

4. Fault and Preventability

Claims stemming from preventable issues, such as lack of maintenance, may be more likely to impact your premiums compared to those caused by unavoidable disasters.


How to Minimize the Risk of Premium Increases

1. Assess Whether Filing a Claim Is Worth It

Not all damages warrant an insurance claim. For minor repairs, it might be more cost-effective to pay out of pocket rather than risk a premium hike. A public adjuster can help you evaluate whether filing a claim is in your best interest.

2. Maintain Your Property

Regular maintenance can reduce the risk of preventable damages, lowering the likelihood of filing claims.

3. Bundle Claims Strategically

If you experience multiple damages in a short time, consult a public adjuster to determine if bundling them into a single claim might be beneficial.

4. Understand Your Policy

Some policies offer “claims forgiveness,” which prevents your premiums from increasing after your first claim. Check with your insurer or consult a public adjuster to understand your policy’s specifics.


The Role of a Public Adjuster

Navigating the insurance claims process can be overwhelming, especially when trying to minimize the impact on your premiums. This is where a public adjuster comes in.

At A H Neaman Company, we specialize in assisting policyholders in Pennsylvania, West Virginia, and Maryland. Here’s how we can help:

1. Evaluate Your Situation

We’ll review the damage and your insurance policy to determine if filing a claim is the right move.

2. Maximize Your Settlement

If you decide to file a claim, we’ll ensure every aspect of your loss is documented and presented to the insurer to secure the highest possible settlement.

3. Minimize the Impact on Premiums

By negotiating with the insurance company on your behalf, we aim to reduce unnecessary rate adjustments or denials.

4. Expert Guidance and Support

We handle all communication with the insurer, keeping you informed and alleviating stress throughout the process.


When to Call A H Neaman Company

If you’re facing property damage and considering filing an insurance claim, don’t make the decision alone. At A H Neaman Company, we’re here to provide expert guidance, ensuring you get the settlement you deserve while minimizing the impact on your premiums.

We work exclusively for policyholders in PA, WV, and MD, advocating for your best interests and relieving you of the burden of managing complex insurance claims. Whether it’s a small claim or a major loss, we’re ready to help.


Final Thoughts

While filing an insurance claim can sometimes affect your premiums, the potential benefits of securing a fair settlement often outweigh the risks. By working with a knowledgeable public adjuster like A H Neaman Company, you can navigate the claims process confidently, knowing you’re making the best decisions for your property and your financial future.

If you’re in Pennsylvania, West Virginia, or Maryland, and you need assistance with an insurance claim, contact A H Neaman Company today. Let us help you protect your investment, secure a fair settlement, and minimize the impact on your premiums. Call us now to get started.

The Hidden Costs of Fire Damage

fire damage

When a house fire occurs, the visible destruction—smoke, flames, and charred remnants—often takes center stage. However, the full extent of fire damage goes much deeper than what can be seen on the surface. From structural damage to the long-term effects of smoke infiltration, fire damage can have a far-reaching impact on your home, your health, and your finances.

As experienced public adjusters serving Pennsylvania, West Virginia, and MarylandA H Neaman Company is here to help you understand these hidden costs and guide you through the insurance claims process. By partnering with us, you’ll have an expert advocate on your side, ensuring you receive the settlement you deserve. In this blog post, we’ll explore the often-overlooked consequences of fire damage and provide practical advice for handling the aftermath.


Fire Damage

1. Structural Damage Beyond the Flames

While the most visible damage from a fire is often related to flames, the structural integrity of your home can be compromised in ways that aren’t immediately apparent.

Hidden Damage Examples:

  • Weakened Framing and Supports: Even after the fire is extinguished, the wood framing, beams, and supports in your home can be significantly weakened. This structural damage could lead to long-term safety concerns or expensive repairs if left untreated.
  • Roof Damage: Heat from the fire can cause roof materials to warp or crack, compromising their ability to keep out the elements. This is particularly important when dealing with water damage from firefighting efforts.
  • Foundation Issues: In some cases, the heat from a fire can cause cracks in the foundation or structural misalignment. Over time, this could lead to further damage if not addressed properly.

It’s essential to have a thorough inspection by a professional contractor or adjuster to assess these hidden structural damages. These types of repairs can be costly and are often not fully recognized until later.


2. Water Damage from Firefighting Efforts

When a fire is extinguished, the amount of water used to douse the flames can be staggering. Firefighters often use thousands of gallons of water, which can result in significant water damage throughout your home.

Common Water Damage Issues:

  • Mold Growth: Standing water and moisture in the walls can lead to mold and mildew growth, especially if not properly cleaned up. Mold can cause health problems and further damage to the structure of your home, adding significant costs to the repair process.
  • Corrosion and Rot: Prolonged exposure to water can damage electrical wiring, metal fixtures, and other materials within your home. Corrosion can cause electrical shorts, while rotting wood may lead to further structural damage if not addressed promptly.
  • Warping and Swelling: Wooden floors, furniture, and cabinetry can warp or swell due to excessive water exposure, requiring expensive replacements.

Understanding the extent of water damage is essential, as it’s often hidden behind walls, beneath floors, and in attics. Addressing these issues early can save significant repair costs later.


3. Smoke and Soot Infiltration

While smoke damage is more obvious in certain areas, such as curtains and furniture, it can also infiltrate hidden areas of your home. Soot and smoke particles can settle into walls, air ducts, insulation, and behind cabinetry, leaving long-term effects that are difficult and expensive to remove.

Effects of Smoke and Soot:

  • Health Hazards: Smoke damage can cause respiratory issues, especially if it infiltrates the HVAC system. The lingering smell of smoke can also create an uncomfortable living environment for you and your family.
  • Odor Removal: Eliminating smoke odor from upholstery, carpeting, and even drywall can be incredibly difficult. Professional cleaning services may be necessary, which can add significant costs to the restoration process.
  • Permanent Staining: Soot can stain walls, ceilings, and other surfaces, requiring repainting or replacement of materials. The longer soot sits on surfaces, the harder it is to clean, and some materials may need to be completely replaced.

Professional cleaning and deodorization services are critical when dealing with smoke damage. It’s important to address these issues early to prevent further deterioration.


4. Personal Property Loss

While homeowners often focus on the structural damage to their home, fire damage can also result in the loss of personal belongings. From electronics and furniture to important documents and family heirlooms, the financial loss from destroyed personal property can be staggering.

Examples of Property Loss:

  • Electronics and Appliances: Smoke and heat can damage appliances, electronics, and wiring beyond repair. Even if the fire didn’t reach these items, they may still be affected by smoke or water.
  • Clothing and Textiles: Upholstered furniture, clothing, and other fabric-based items are especially vulnerable to smoke damage. These items may need to be replaced entirely, adding to your recovery costs.
  • Sentimental Losses: Items such as photographs, family heirlooms, and irreplaceable memories can be destroyed in a fire. These losses may not have a monetary value but can cause significant emotional distress.

Proper documentation of personal property, including photographs and receipts, is essential for a successful insurance claim.


5. Increased Living Expenses

After a fire, it’s often necessary to temporarily relocate while your home is being repaired. This can result in unexpected living expenses, such as:

  • Temporary Housing Costs: Renting a temporary home, hotel accommodations, or staying with friends or family can add up quickly.
  • Increased Transportation Costs: If your temporary living situation is far from your place of work or school, you may face higher transportation costs.
  • Food and Miscellaneous Expenses: Eating out or buying necessities during your displacement can significantly increase your household budget.

These costs can add up over time, so it’s crucial to account for them in your insurance claim.


How A H Neaman Company Can Help

Filing a fire damage claim can be complex and overwhelming, especially when it comes to addressing the hidden costs discussed above. As public adjusters serving Pennsylvania, West Virginia, and MarylandA H Neaman Company is here to guide you through the process and ensure that no hidden costs go unnoticed.

Why Choose A H Neaman Company?

  • Expert Advocacy: We are experts in fire damage claims and will ensure you receive the maximum compensation for all aspects of your loss, from structural repairs to personal property replacement.
  • Comprehensive Documentation: We meticulously document every detail of the damage, including the hidden costs that may not be immediately apparent.
  • Negotiation Expertise: We will negotiate with your insurance company to ensure your settlement covers all costs, including those you may not have considered.

Dealing with the aftermath of a fire can be a stressful and emotional process, but with A H Neaman Company on your side, you can rest assured that you’re receiving the support you need.


Conclusion

The true costs of fire damage extend far beyond what’s visible after the flames have been extinguished. From structural issues to the lingering effects of smoke, soot, and water damage, these hidden costs can significantly impact your recovery.

If you’ve experienced fire damage, A H Neaman Company is here to help. Serving PA, WV, and Maryland, we specialize in advocating for homeowners to ensure they receive the full compensation they’re entitled to. Contact us today to learn how we can assist with your fire damage claim and guide you through the recovery process.

Public Adjusters in Complex Commercial Insurance Claims

commercial insurance claims

When disaster strikes a business, the aftermath can be overwhelming. Damage to property, interruptions to operations, and the need to navigate insurance claims can create immense stress for business owners. While insurance policies are designed to provide financial protection, filing a claim—especially a complex commercial insurance claim—can be a daunting process. This is where the expertise of a public adjuster becomes invaluable.

If your business is in Pennsylvania, West Virginia, or Maryland, working with a public adjuster like A H Neaman Company can make a significant difference in ensuring you receive a fair and comprehensive settlement. In this post, we’ll explore the essential role public adjusters play in complex commercial claims and how we can help you through every step of the process.

What Are Complex Commercial Insurance Claims?

Commercial insurance claims often involve larger, more intricate losses compared to residential claims. These claims can stem from:

  • Natural disasters such as hurricanes, floods, or tornadoes.
  • Fires that damage buildings, inventory, or equipment.
  • Water damage from burst pipes or roof leaks.
  • Business interruptions that result in lost revenue during repairs.

The complexity arises from the scale of the losses, multiple layers of coverage, and detailed documentation requirements. Insurers may scrutinize these claims more closely, and without proper expertise, business owners risk leaving significant money on the table.

What Does a Public Adjuster Do?

public adjuster is a licensed professional who works exclusively on behalf of policyholders—not insurance companies. Their primary goal is to advocate for the policyholder, ensuring they receive the maximum settlement they are entitled to under their policy.

At A H Neaman Company, we specialize in helping businesses in PA, WV, and Maryland navigate the complexities of commercial claims. Here’s how we can assist:

1. Policy Review and Analysis

Commercial insurance policies are often lengthy and filled with technical language. Public adjusters have the expertise to decipher these documents, ensuring you understand your coverage, exclusions, and limits. This clarity is crucial when preparing and filing a claim.

2. Thorough Damage Assessment

A comprehensive assessment of the damage is vital to build a strong claim. Public adjusters conduct detailed inspections, document all losses, and calculate repair or replacement costs, ensuring nothing is overlooked.

3. Claim Preparation and Filing

Preparing a commercial claim involves gathering extensive documentation, including:

  • Photos and videos of the damage.
  • Repair and replacement estimates.
  • Inventory lists and financial records for business interruption claims.

Public adjusters streamline this process, ensuring your claim is complete and submitted correctly.

4. Negotiation with the Insurance Company

Insurance companies often aim to minimize payouts. Public adjusters are skilled negotiators who advocate on your behalf, countering lowball offers and pushing for a settlement that truly reflects your losses.

5. Ongoing Communication and Updates

The claims process can take time, and navigating insurer demands can be exhausting. Public adjusters manage all communication with the insurance company, keeping you informed and alleviating stress.

6. Appealing Denied or Underpaid Claims

If your claim is denied or undervalued, a public adjuster can analyze the insurer’s decision, gather additional evidence, and file an appeal to fight for a fair resolution.

The Advantages of Hiring a Public Adjuster for Commercial Claims

Maximizing Your Settlement

Commercial claims often involve significant losses, and underestimating damages can result in substantial financial strain. Public adjusters ensure every aspect of your claim is thoroughly documented, helping you secure the full settlement you deserve.

Saving Time and Reducing Stress

Filing and managing a commercial insurance claim can be a full-time job. By handling every aspect of the process, public adjusters allow you to focus on running your business while they work to secure your settlement.

Expertise in Complex Claims

Commercial claims often involve multiple layers of coverage, such as property damage, equipment loss, and business interruption. Public adjusters have the knowledge to navigate these complexities and ensure every coverage area is addressed.

Why Choose A H Neaman Company?

At A H Neaman Company, we pride ourselves on being trusted advocates for businesses in Pennsylvania, West Virginia, and Maryland. Here’s why so many business owners turn to us for help with their commercial claims:

  • Local Expertise: We understand the unique challenges businesses face in PA, WV, and MD, from harsh weather conditions to regional regulations.
  • Proven Results: Our team has a track record of securing substantial settlements for complex commercial claims.
  • Client-Centered Approach: We work exclusively for policyholders, prioritizing your needs and ensuring you receive the support you deserve.
  • Comprehensive Support: From initial damage assessments to claim appeals, we handle every aspect of the process.

Call A H Neaman Company Today

If your business has suffered damage and you’re facing the daunting task of filing a commercial insurance claim, don’t go it alone. Let the experts at A H Neaman Company guide you through the process, protect your interests, and maximize your settlement.

We serve businesses across Pennsylvania, West Virginia, and Maryland, and we’re ready to help you rebuild and recover. Call us today to schedule a consultation and learn how we can make a difference in your commercial insurance claim.

Final Thoughts

Commercial insurance claims are often complex, time-consuming, and stressful. By working with a skilled public adjuster, you can ensure your claim is handled professionally and that you receive the compensation you need to restore your business.

At A H Neaman Company, we’re committed to being your trusted partner in the claims process. Contact us today to learn more about our services and discover how we can help your business move forward with confidence.

Preventing Frozen Pipes This Winter

frozen pipes

Winter can be beautiful, but it also brings challenges for homeowners, particularly the risk of frozen pipes. When temperatures drop, unprotected pipes can freeze, leading to bursts, water damage, and costly repairs. Fortunately, with some proactive measures, you can significantly reduce the risk of frozen pipes and keep your home safe throughout the season.

If the worst happens and you experience water damage from a burst pipe, A H Neaman Company is here to help. As trusted public adjusters serving Pennsylvania, West Virginia, and Maryland, we’ll guide you through the insurance claims process and ensure you get the settlement you deserve.


Why Do Pipes Freeze?

Pipes freeze when the water inside them reaches 32°F (0°C) or below. As water freezes, it expands, creating immense pressure inside the pipe. This pressure can cause the pipe to crack or burst, leading to significant water damage when the ice thaws.

Pipes most at risk of freezing include those located in unheated areas, such as basements, attics, garages, and exterior walls.


Tips to Prevent Frozen Pipes

1. Insulate Pipes

Adding insulation to exposed pipes is one of the most effective ways to prevent freezing.

  • Use foam pipe insulation or heat tape on pipes located in unheated areas.
  • Pay special attention to pipes near exterior walls, in basements, and in crawl spaces.

Insulation helps retain heat and keeps the cold air from coming into direct contact with your pipes.


2. Maintain a Consistent Temperature

Keeping your home at a consistent temperature can help prevent pipes from freezing.

  • Set your thermostat to at least 55°F, even when you’re away.
  • Open interior doors to allow warm air to circulate around pipes.

If you’re leaving for an extended period, consider shutting off your main water supply and draining your pipes to prevent freezing altogether.


3. Seal Cracks and Gaps

Cold air can seep into your home through cracks and gaps, increasing the risk of frozen pipes.

  • Seal any gaps around doors, windows, and pipes that lead to the outdoors.
  • Use caulk or weather stripping to block drafts and keep warm air inside.

By preventing cold air from entering your home, you’ll create a more stable environment for your pipes.


4. Allow Faucets to Drip

Letting faucets drip during extremely cold weather can relieve pressure in your pipes and reduce the likelihood of freezing.

  • Turn on a slow trickle of water from faucets connected to vulnerable pipes.
  • Running water, even at a low volume, is less likely to freeze than stagnant water.

This simple step can make a big difference during a cold snap.


5. Protect Outdoor Faucets and Hoses

Outdoor faucets and hoses are particularly vulnerable to freezing temperatures.

  • Disconnect and drain garden hoses before storing them for the winter.
  • Install insulated covers over outdoor faucets.
  • Shut off the water supply to outdoor spigots if possible.

Taking these precautions will prevent ice from forming and damaging your outdoor plumbing.


6. Keep Garage Doors Closed

If you have water supply lines in your garage, keeping the garage door closed can help maintain a warmer temperature inside.

  • Avoid leaving the garage door open for extended periods during cold weather.
  • Consider adding insulation to your garage door for extra protection.

What to Do If Your Pipes Freeze

If you suspect a pipe has frozen, act quickly to minimize damage:

  1. Turn off the water supply to prevent flooding if the pipe bursts.
  2. Thaw the pipe carefully using a hairdryer, heating pad, or warm towels. Never use an open flame or blowtorch.
  3. Call a plumber if you’re unable to locate or safely thaw the frozen pipe.

If a pipe bursts and causes water damage, document the damage with photos and videos, and reach out to your insurance company to begin the claims process.


How A H Neaman Company Can Help

Dealing with water damage from a burst pipe can be overwhelming, especially when it comes to navigating the insurance claims process. That’s where A H Neaman Company comes in.

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we advocate for homeowners to ensure they receive the compensation they’re entitled to.

Why Choose A H Neaman Company?

  • Expert Guidance: We know the ins and outs of water damage claims and will handle the details for you.
  • Comprehensive Documentation: We thoroughly document the damage to ensure nothing is overlooked.
  • Maximized Settlements: We negotiate with your insurance company to secure the best possible outcome.

Don’t let the stress of a burst pipe derail your life. Call A H Neaman Company for expert support and peace of mind.


Final Thoughts

Preventing frozen pipes is all about preparation and vigilance. By insulating pipes, sealing drafts, and maintaining a consistent temperature in your home, you can significantly reduce the risk of frozen pipes this winter.

However, if you do experience water damage from a burst pipe, know that you don’t have to face the insurance claims process alone. A H Neaman Company is here to help homeowners in PA, WV, and MD recover quickly and efficiently.

Contact us today to learn how we can advocate for you and ensure your home is restored to its former glory.

Replacement Cost Value (RCV) vs. Actual Cash Value (ACV) in Insurance Claims?

insurance claims

Understanding the terminology used in your insurance policy is critical for navigating the claims process and ensuring you receive the compensation you deserve after experiencing property damage. Two of the most important terms to familiarize yourself with are Replacement Cost Value (RCV) and Actual Cash Value (ACV). These concepts play a significant role in determining how much your insurer will pay you after a loss. In this post, we’ll break down the differences between RCV and ACV, explain their impact on your insurance claim, and highlight how a public adjuster can advocate for your best interests in PA, WV, and Maryland.

Insurance Claims

What Is Replacement Cost Value (RCV)?

Replacement Cost Value refers to the cost of replacing damaged or destroyed property with a new item of similar kind and quality, without accounting for depreciation. For example, if your roof is damaged in a storm, RCV covers the cost to replace it with a brand-new roof of the same materials and construction standards.

RCV policies typically provide homeowners with more substantial compensation, ensuring they can fully restore their property without incurring out-of-pocket expenses beyond the deductible. However, some insurance companies may initially pay the ACV amount and reimburse the depreciation after repairs are completed and documented.

What Is Actual Cash Value (ACV)?

Actual Cash Value, on the other hand, takes depreciation into account. This means the payout reflects the item’s current value based on its age, condition, and wear and tear. Using the same roof example, an ACV payout would only cover the value of your roof in its pre-damaged, depreciated condition.

While ACV policies often come with lower premiums, they can leave homeowners struggling to cover the remaining costs of repairs or replacements. If your policy uses ACV to determine payouts, understanding the depreciation factors applied to your claim is critical.

Key Differences Between RCV and ACV

  • Cost Coverage:
    • RCV: Covers the full cost of replacing or repairing the item without depreciation.
    • ACV: Covers the item’s depreciated value, leaving you to cover the difference.
  • Payout Timing:
    • RCV: May require proof of repair or replacement to release full reimbursement.
    • ACV: Usually pays out immediately but for a lesser amount.
  • Policy Premiums:
    • RCV: Higher premiums due to the more extensive coverage.
    • ACV: Lower premiums but less comprehensive protection.

How RCV and ACV Affect Your Insurance Claim

The type of coverage in your policy significantly influences your claim’s outcome. If you’re unaware of whether your policy uses RCV or ACV, you may be caught off guard by the settlement amount offered by your insurer.

For instance, in Pennsylvania, West Virginia, and Maryland, storm damage is common. If your roof suffers damage and your policy uses ACV, the settlement might fall short of the total replacement cost, leaving you to pay the difference out of pocket. Alternatively, with RCV coverage, you could receive enough to fully restore your property without additional financial strain.

Why Understanding Your Policy Matters

Insurance companies often use complex language in their policies, making it difficult for policyholders to fully understand their coverage. Misunderstanding whether your policy includes RCV or ACV can lead to financial hardships after a claim.

This is where a public adjuster can make a significant difference. At A H Neaman Company, we specialize in interpreting policies and ensuring homeowners and business owners receive the maximum settlement they’re entitled to under their coverage.

How a Public Adjuster Can Help

Navigating the claims process can be overwhelming, especially when it involves complex concepts like RCV and ACV. A public adjuster is your advocate, working exclusively for you—not the insurance company—to ensure your best interests are protected.

Here’s how A H Neaman Company can assist with your claim:

  • Policy Review: We help you understand whether your policy uses RCV or ACV and explain how it affects your claim.
  • Damage Assessment: Our team conducts a thorough inspection to document all losses and estimate repair or replacement costs accurately.
  • Negotiation with Insurers: We negotiate directly with the insurance company to secure the maximum payout for your claim.
  • Claim Appeal: If your claim is denied or underpaid, we handle the appeals process to fight for the compensation you deserve.

Why Choose A H Neaman Company?

At A H Neaman Company, we are licensed public adjusters serving Pennsylvania, West Virginia, and Maryland. We have extensive experience helping policyholders recover from property losses, whether caused by storms, fires, or other disasters. Our goal is to take the stress out of the claims process and ensure you receive every dollar you’re entitled to under your policy.

Final Thoughts

Understanding the difference between Replacement Cost Value (RCV) and Actual Cash Value (ACV) is crucial for homeowners and business owners alike. These terms significantly impact your claim payout, and knowing how they work can save you from unexpected financial burdens.

If you’re unsure about your policy or need help navigating an insurance claim, don’t hesitate to reach out to A H Neaman Company. We’re here to help policyholders in PA, WV, and Maryland fight for fair settlements and get the compensation they deserve.

Contact us today to schedule a consultation and learn how we can assist with your insurance claim. Let us handle the hard work while you focus on rebuilding and recovering.

Common Causes of House Fires 

house fires

House fires are devastating events that can cause significant property damage, personal loss, and emotional trauma. While no one wants to imagine such a tragedy, understanding the most common causes of house fires and taking preventive measures can reduce the risk and protect your family and home.

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, A H Neaman Company is here to help homeowners navigate the complexities of fire damage claims. If disaster strikes, we’ll advocate on your behalf to secure the settlement you deserve. In this post, we’ll cover the leading causes of house fires and practical tips to prevent them.


1. Cooking Accidents

Cooking-related fires are the leading cause of house fires in the United States. Grease fires, unattended stoves, and malfunctioning appliances can quickly escalate into full-blown disasters.

Prevention Tips:

  • Never leave cooking food unattended, especially when frying or grilling.
  • Keep flammable materials, like dish towels and paper towels, away from heat sources.
  • Use a timer to remind yourself to check on food.
  • Always have a fire extinguisher rated for kitchen use nearby.

If a cooking fire does occur, remember to smother grease fires with a metal lid or baking soda. Never use water, as it can cause the flames to spread.


2. Heating Equipment

Portable heaters, wood stoves, and fireplaces are common culprits of house fires, particularly during colder months. These sources can ignite nearby combustible materials or malfunction.

Prevention Tips:

  • Keep portable heaters at least three feet away from flammable items like furniture, curtains, and bedding.
  • Regularly inspect and clean chimneys and fireplaces to prevent the buildup of flammable creosote.
  • Avoid using extension cords with space heaters; plug them directly into the wall.
  • Turn off heating equipment when leaving the room or going to bed.

3. Electrical Issues

Faulty wiring, overloaded circuits, and outdated electrical systems are major contributors to house fires.

Prevention Tips:

  • Hire a licensed electrician to inspect your home’s wiring, especially if it’s more than 20 years old.
  • Avoid overloading outlets or using too many high-wattage devices on one circuit.
  • Replace frayed or damaged cords immediately.
  • Use surge protectors and avoid daisy-chaining multiple power strips together.

Flickering lights, frequently tripped breakers, or warm outlets can signal electrical problems. Address these issues promptly to reduce fire risk.


4. Smoking Indoors

Smoking is a leading cause of house fire fatalities. Dropped or improperly extinguished cigarettes can ignite upholstery, carpets, and other flammable materials.

Prevention Tips:

  • Smoke outside to eliminate the risk of indoor fires.
  • Use deep, sturdy ashtrays and ensure cigarette butts are fully extinguished before disposal.
  • Never smoke in bed or when feeling drowsy.
  • Keep smoking materials out of reach of children.

5. Candles

While candles add ambiance to your home, they can also be a fire hazard if left unattended or placed near flammable materials.

Prevention Tips:

  • Use flameless LED candles as a safer alternative.
  • Always extinguish candles when leaving the room or going to bed.
  • Keep candles at least one foot away from anything flammable.
  • Place candles on stable, heat-resistant surfaces.

6. Faulty Appliances

Malfunctioning or poorly maintained appliances, such as dryers and refrigerators, can spark fires. Dryer fires are particularly common due to lint buildup.

Prevention Tips:

  • Clean the lint filter before and after each use and regularly inspect dryer vents for obstructions.
  • Ensure appliances are installed and maintained according to the manufacturer’s recommendations.
  • Avoid running appliances like dishwashers or dryers when you’re not home.

7. Outdoor Fires

Grills, fire pits, and improperly discarded yard waste can ignite outdoor fires that spread to your home.

Prevention Tips:

  • Keep grills at least 10 feet away from your home and never leave them unattended.
  • Monitor fire pits closely and extinguish them completely before leaving.
  • Avoid discarding yard debris near the house or in areas prone to heat or sparks.

8. Arson or Intentional Acts

Unfortunately, arson is another cause of house fires. Taking steps to secure your home can reduce this risk.

Prevention Tips:

  • Install motion-activated outdoor lighting and security cameras.
  • Keep your property well-lit and free of overgrown vegetation.
  • Lock all doors and windows when leaving your home.

What to Do If a Fire Occurs

Despite the best preventive measures, house fires can still happen. Knowing how to handle the aftermath is crucial.

  1. Ensure everyone’s safety and call emergency services.
  2. Document the damage with photos and videos.
  3. Contact your insurance company to file a claim.
  4. Reach out to A H Neaman Company for expert guidance and support.

How A H Neaman Company Can Help

Dealing with the aftermath of a house fire can be overwhelming, especially when navigating the insurance claims process. As public adjusters serving Pennsylvania, West Virginia, and Maryland, we are here to advocate for you.

Why Choose A H Neaman Company?

  • Thorough Documentation: We ensure every aspect of fire damage is accounted for.
  • Maximized Settlements: We negotiate with your insurance company to secure the compensation you deserve.
  • Stress-Free Process: We handle the details so you can focus on rebuilding your life.

When you partner with A H Neaman Company, you gain a trusted ally who will fight for your best interests.


Final Thoughts

Understanding the common causes of house fires and taking preventive measures can help protect your home and loved ones. However, if a fire does occur, having the right support makes all the difference.

If you’re a homeowner in Pennsylvania, West Virginia, or Maryland, don’t navigate the insurance claims process alone. Contact A H Neaman Company today and let us handle the complexities of your claim. With our expertise and dedication, you can focus on recovery while we secure the settlement you deserve.

Equipment Damage Insurance Claims

equipment damage insurance

For business owners, equipment is often the lifeblood of daily operations. Whether it’s manufacturing machinery, office technology, or specialized tools, damaged equipment can bring operations to a standstill and cause significant financial strain. Filing an equipment damage insurance claim might seem straightforward, but navigating the process can be complex. This is where a public adjuster can step in to advocate for your best interests and maximize your claim.

If your business is in Pennsylvania, West Virginia, or Maryland, A H Neaman Company is here to guide you through the claims process, ensuring you get the compensation you need to recover and rebuild.


Understanding Equipment Damage Insurance Claims

Insurance policies typically include coverage for equipment damage under property or business interruption insurance. However, policies often have specific terms, conditions, and exclusions that can complicate your claim. Understanding the basics of equipment damage claims is crucial to protect your business and minimize disruptions.


Common Causes of Equipment Damage

Equipment damage can result from various causes, many of which are covered under standard business insurance policies. Common scenarios include:

  1. Natural Disasters: Floods, storms, and earthquakes can cause significant damage to machinery and tools.
  2. Power Surges: Electrical surges or outages can fry sensitive equipment like computers or manufacturing systems.
  3. Accidents: Mishandling, operator error, or workplace accidents can lead to damage or breakdowns.
  4. Fire and Smoke: Fires, even minor ones, can render equipment inoperable due to heat or smoke damage.
  5. Theft or Vandalism: Stolen or deliberately damaged equipment can also be included in a claim.

Key Steps to Filing an Equipment Damage Claim

Filing an insurance claim for damaged business equipment requires careful attention to detail. Here’s how to navigate the process:

1. Document the Damage

Start by thoroughly documenting the damage. Take clear photographs and videos of the equipment, noting any visible issues. Create a detailed inventory of all affected items, including their condition and approximate value.

2. Review Your Policy

Understanding your insurance policy is crucial. Policies often include specific provisions for equipment damage, such as depreciation calculations, repair vs. replacement terms, or exclusions for certain types of damage.

3. Notify Your Insurance Company

Report the damage to your insurance company as soon as possible. Delays in reporting can complicate the claims process or result in denials.

4. Obtain Repair or Replacement Estimates

Secure estimates from reputable contractors or service providers for equipment repair or replacement. These estimates will support your claim and ensure you’re compensated fairly.

5. Hire a Public Adjuster

Working with a public adjuster, such as A H Neaman Company, can make the claims process more efficient and less stressful. Public adjusters advocate for your interests, ensuring you receive the maximum payout possible.


Challenges in Equipment Damage Claims

While insurance is designed to protect businesses, equipment damage claims often present unique challenges:

  • Depreciation Disputes: Insurers may reduce payouts based on the age or condition of the equipment.
  • Policy Exclusions: Certain types of damage, such as wear and tear, may not be covered.
  • Underestimation of Costs: Insurers might undervalue the repair or replacement costs, leaving you with insufficient funds.
  • Delays in Processing: Lengthy claim investigations can disrupt your business operations further.

A public adjuster can help you overcome these challenges, ensuring your claim is processed efficiently and accurately.


How a Public Adjuster Can Help

Public adjusters are licensed professionals who represent policyholders during the claims process. Here’s how A H Neaman Company can assist business owners in Pennsylvania, West Virginia, and Maryland:

  1. Thorough Policy Analysis
    We’ll review your insurance policy in detail to identify coverage for your equipment and any potential gaps.
  2. Accurate Damage Assessment
    Our team will conduct a comprehensive inspection of your damaged equipment, documenting all losses and ensuring nothing is overlooked.
  3. Negotiation with Insurers
    We handle all communication and negotiations with the insurance company, advocating for a fair and full settlement.
  4. Expediting the Process
    With our expertise, we can streamline the claims process, minimizing delays and disruptions to your business.
  5. Maximizing Compensation
    Our goal is to secure the maximum payout for your claim, covering repair, replacement, and any associated business interruption costs.

Why Business Owners in PA, WV, and MD Trust A H Neaman Company

As a trusted public adjuster licensed in Pennsylvania, West Virginia, and Maryland, A H Neaman Company has a deep understanding of the unique challenges businesses in these states face. Our team has successfully handled numerous equipment damage claims, helping business owners recover and thrive after unexpected losses.

Whether you’re dealing with a manufacturing shutdown, office equipment failure, or specialized tool damage, we’re here to help.


Protect Your Business with Expert Support

Equipment damage can disrupt your business operations, impact your bottom line, and create unnecessary stress. Navigating the claims process alone can be overwhelming, but you don’t have to go through it alone.

At A H Neaman Company, we specialize in advocating for business owners like you. From Pennsylvania to West Virginia and Maryland, we’ll fight for your rights, ensuring you get the compensation you deserve.

Contact us today to schedule a consultation and learn how we can support your equipment damage claim. With our expertise and dedication, you can focus on running your business while we handle the complexities of your insurance claim. Let us help you rebuild, recover, and move forward with confidence.

Water Damage 101: File an Insurance Claim Successfully

water damage

Water damage is one of the most common issues homeowners face, and it can result from a variety of causes, such as pipe bursts, roof leaks, or severe weather. While insurance policies often cover water damage caused by sudden and accidental events, navigating the claims process can be daunting. That’s why knowing how to file an insurance claim successfully is crucial to securing the compensation you deserve.

At A H Neaman Company, we specialize in helping homeowners in Pennsylvania, West Virginia, and Marylandnavigate the complexities of water damage claims. As trusted public adjusters, we advocate on your behalf to ensure you receive the maximum settlement for your loss.

In this blog, we’ll walk you through the essential steps for filing a water damage insurance claim and explain how we can make the process easier for you.


Step 1: Assess the Damage and Mitigate Further Losses

When water damage occurs, your first priority is safety. Once you’ve ensured the safety of your family and property, assess the damage and take steps to prevent it from worsening.

Actions to Take Immediately:

  • Turn off the water supply to stop the source of the damage.
  • Remove standing water to minimize mold growth and structural issues.
  • Use tarps or plastic sheeting to cover damaged roofs or windows.
  • Move valuable items to a dry, safe location.

Failing to mitigate further damage could lead to claim denials, so it’s important to act quickly.


Step 2: Document Everything

Proper documentation is critical for a successful water damage claim. This helps demonstrate the extent of the damage to your insurance company.

Tips for Documentation:

  • Take clear photos and videos of all affected areas and items.
  • Create an inventory of damaged belongings, including their value, purchase date, and condition before the incident.
  • Save receipts for any temporary repairs or emergency expenses.

At A H Neaman Company, we assist homeowners in creating thorough documentation, ensuring that nothing is overlooked during the claims process.


Step 3: Review Your Insurance Policy

Understanding your insurance policy is essential for knowing what’s covered and what isn’t. Most standard homeowners’ policies cover water damage caused by sudden and accidental events but exclude damages resulting from neglect or maintenance issues.

Key Areas to Review:

  • Dwelling Coverage: For structural repairs to your home.
  • Personal Property Coverage: For damaged belongings.
  • Additional Living Expenses (ALE): For temporary housing and related costs if your home is uninhabitable.

If you’re unsure about your policy’s coverage, A H Neaman Company can review it for you and explain your rights as a policyholder.


Step 4: Notify Your Insurance Company

Contact your insurance company as soon as possible to report the water damage. Provide them with all necessary details, including:

  • The cause of the damage (e.g., burst pipe, storm).
  • The date and time the damage occurred.
  • An initial description of the extent of the damage.

Be cautious when discussing the incident with your insurer. Avoid making statements that could be interpreted as admitting fault, such as suggesting that the damage could have been prevented.


Step 5: Work with a Public Adjuster

While your insurance company will assign an adjuster to evaluate the damage, their goal is to minimize the payout. A public adjuster, like A H Neaman Company, works on your behalf to ensure you receive a fair settlement.

Why Choose A H Neaman Company?

  • Expertise: We have extensive experience handling water damage claims in Pennsylvania, West Virginia, and Maryland.
  • Thorough Assessments: We carefully evaluate all damage, including hidden issues like mold or structural weakening.
  • Stress-Free Process: We handle the paperwork, documentation, and negotiations so you don’t have to.
  • Maximum Settlements: We fight to ensure every covered loss is compensated appropriately.

Step 6: Understand the Claims Process

Filing a water damage claim involves several steps, and understanding the process can help you avoid delays or denials.

Typical Steps in the Claims Process:

  1. File a claim with your insurance company.
  2. Provide documentation, including photos, videos, and receipts.
  3. Work with an adjuster to assess the damage.
  4. Receive a settlement offer from your insurer.
  5. Negotiate if the offer is insufficient.

A H Neaman Company ensures every step of this process is handled professionally, reducing stress and increasing the likelihood of a successful claim.


Step 7: Avoid Common Mistakes

Water damage claims can be denied or delayed due to simple mistakes.

Common Pitfalls to Avoid:

  • Delaying Your Claim: Waiting too long to notify your insurer can lead to a denial.
  • Lack of Documentation: Insufficient evidence makes it harder to prove your loss.
  • Settling Too Quickly: Accepting the first offer may leave you under-compensated.

Our team at A H Neaman Company helps homeowners avoid these pitfalls, ensuring your claim is processed correctly the first time.


Step 8: Rebuild and Prevent Future Damage

After your claim is resolved, focus on restoring your home and preventing future water damage.

Tips for Prevention:

  • Regularly inspect pipes and plumbing for wear and tear.
  • Install a sump pump and ensure it’s in working order.
  • Maintain your roof and gutters to prevent leaks.

Why Work with A H Neaman Company?

Dealing with water damage is stressful enough without the added burden of navigating a complicated insurance claim. A H Neaman Company is here to make the process easier.

  • Local Expertise: We specialize in claims in Pennsylvania, West Virginia, and Maryland, offering personalized service tailored to your needs.
  • Comprehensive Support: From filing your claim to negotiating with your insurer, we handle it all.
  • Client-Focused Results: Our goal is to secure the maximum settlement so you can rebuild with confidence.

Final Thoughts

Filing a water damage insurance claim can be a complex and overwhelming process, but with the right knowledge and support, you can achieve a successful outcome. By following the steps outlined above and partnering with A H Neaman Company, you’ll have the expertise and advocacy you need to recover fully.

If you’re facing water damage in Pennsylvania, West Virginia, or Maryland, don’t hesitate to call us. Let us take the stress out of your insurance claim so you can focus on restoring your home and peace of mind.