On Property Insurance Claim Tips Blog

Insurance Claim Tips for Texans to Accelerate Their Pipe Freeze Claim Recovery

Insurance Claim Tips for Texans to Accelerate Their Pipe Freeze Claim Recovery

As millions of residents throughout Texas seek safe shelter, food, and drinking water, many will turn their attention to filing frozen pipe leak claims for their homes and businesses. These pipe burst ruptures are expected to become substantially worse as warmer weather causes everything to thaw out.  For those with damage, hurry up because time is of the essence to report your claim!   

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Deep Freeze Will Create Frozen Pipe Leaks and Water Damage Insurance Claims

Deep Freeze Will Create Frozen Pipe Leaks and Water Damage Insurance Claims

A historic deep freeze is gripping the US with sub-zero temperatures and even more serious wind chill factors. With it will come unprecedented frozen pipe bursts, iced dams and roof collapses that will cause extensive property damage and loss to personal and commercial property as well as business inventory.  As for homeowners, if you discover a leak, turn off your water, call in a reputable plumber, inform your insurance company of the damage and get their agreement to fix and pay for the damage before hiring a reputable clean-up company.

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Winter Has Arrived – Deep Freeze and Broken Pipe Bursts Will Reach into the Deep South

Winter Has Arrived – Deep Freeze and Broken Pipe Bursts Will Reach into the Deep South

A historic deep freeze is gripping the US with sub-zero temperatures and even more serious wind chill factors. With it will come unprecedented frozen pipe bursts, iced dams and roof collapses that will cause extensive property damage and loss to personal property or business inventory.  As for homeowners, if you discover a leak, turn your water off, call in a reputable plumber, inform your insurance company of the damage and get their agreement to fix and pay for the damage before hiring a reputable clean-up company.    

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Policyholder Question: Additional Living Expense (ALE) Conflicts and Cash Out Offers

Policyholder Question: Additional Living Expense (ALE) Conflicts and Cash Out Offers

One of the things I like about blogging, is that the tips and advice you provide policyholders about issues they are having with their insurance claims stays up indefinitely and can assist people having the same claim problems. I recently responded to reader question from a 2013 guest blog post on the Merlin Law Group Property Insurance Coverage Law Blog that I had the privilege of contributing to. The article titled: Insurance Companies Using Preferred Contractors to Settle Claims Not in Policyholders Best Interest discussed how insurance companies send out their preferred vendors who then try to control costs to the consternation of the policyholder.

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Winter Storm Claims – Getting a Fair Settlement is Up to You

A recent article, Boston Area Expects a Flood of Claims After Record Winter points to the growing recognition that some property owners are in for a fight when it comes to obtaining a fair settlement for their winter storm damage insurance claim. As one homeowner from Plymouth, Mass. put it, “It’s a part time job just trying to navigate it all.” As you will read in the article, too many people “hope” they will get a fair offer from their insurance company. Our general advice is that while working with your insurance company, remember that this is your claim. So don’t rely on the insurance company alone to tell you how much they will pay. Make sure you get independent estimates from contractors to confirm what it will take to fix the damage.

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Common Insurance Claim Questions Winter Storm Policyholders Will Ask

Common Insurance Claim Questions Winter Storm Policyholders Will Ask

As public adjusters, we continue to assist policyholders with property insurance claims after severe winter storms like we have experienced in Boston, Massachusetts, Rhode Island and other markets this winter. Roof collapse, ice dams, frozen pipes, water damage and yes even wind damage will be common occurrences. We’ve compiled some of the most commonly asked questions we get after these types of events and offer them below to help homeowners and businesses recover if they have a claim. Got a property insurance claim question? Send it to us or see our winter storm adjuster page

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Record snow in Boston may also create a property insurance claims record

Record snow in Boston may also create a property insurance claims record

An online poll published in the Boston Globe on Saturday, showed over 70% of Bostonians are rooting to break the record snow fall of 107.6 inches. To date, they are only 2 inches shy. Who would have guessed that with all the misery from snow, ice and freezing temperatures, that folks in Boston would be in the majority and want those extra few inches to best a 124-year National Weather Service record? 

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Winter Claims Already Impacting Construction Prices and Contractor Repair Availability

Winter Claims Already Impacting Construction Prices and Contractor Repair Availability
As I write this, I am sitting in LaGuardia airport waiting for a flight back to Florida.  I was called up to New York to meet with a prospective client who owns a building in Manhattan that has suffered structural damage due to a new building being constructed next door.   Florida’s tourism boom this year is apparent in New York; snow, ice, then freezing rain and back to snow with 6-8 inches predicted for the five boroughs of NYC.  Other parts of the country are predicted to get even more snow, then freezing temps. Clearly, northerners are flocking to Florida in droves trying to escape the brutal winter especially in the northeast. Read More

Beware Roof Collapse, Ice Dams and Frozen Pipe Burst from Winter’s Deep-Freeze and a Tip from the Red Cross

Beware Roof Collapse, Ice Dams and Frozen Pipe Burst from Winter’s Deep-Freeze and a Tip from the Red Cross

With New England and now the eastern United States in a deep freeze from record snow and ice accumulation, remember the old saying, it’s the darkest before the dawn.  Yes, there will be a spring and it’s just around the corner according to the Old Farmers Almanac. Spring, also called the vernal equinox comes in the Northern Hemisphere on March 20th at 6:45pm to be exact. This shouldn’t minimize the extensive property damage being caused this winter as this excellent article on Ice Dams discusses. Many of our staff are gearing up to head north in order to help current clients and work with our public adjuster partners.

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