Questions to Ask Your Public Adjuster before Hiring Them

Filing an insurance claim for your home, business or car can be a scary and intimidating process, especially for those who aren’t familiar with the law. Hiring a professional licensed public adjuster in PA such as R.P. Adjustment Group can help to lead you through the claims process, and give you the peace of mind that comes with knowing that you are not navigating the legal system alone.

Unfortunately, not all public adjusters are created equal. Before settling on a public adjuster for your claim, be sure to ask the following questions to your candidates.

● How many years have you been in practice in this state? The insurance claims process varies widely by state, so make sure you are hiring an adjuster who is familiar with the specific procedures of public adjusting in PA.

● May I see your license? It may sound like a dumb question, but the number of scammers is increasing on a daily basis. Some public adjusters work under the license of a business or another individual rather than getting individually certified. If this is the case, be sure to ask who will be working on your case to ensure that you get the best and most knowledgeable service.

● Is it okay if I shop around? As is the case with hiring any form of contractor, you should never feel pressured into making a decision before you are comfortable. Beware of high-pressure sales tactics, as this usually indicates that the public adjuster you’re speaking to has something to hide.

● How will you service my claim? This is an especially important question to ask if your adjustor is located out of your immediate area. Explore contact options, and be sure that you feel comfortable and confident with your ability to communicate with your public adjuster before moving forward with the decision to hire an individual or firm.

If you do require the services of a trusted public adjuster, you can turn to our friendly team at R.P. Adjustment Group. Contact us today to learn more!

How to Respond to Theft in Your Home

Unfortunately, theft can occur in the blink of an eye. Whether you live in a high or low-income environment, whether it’s 3PM or 3AM, whether you believe you have items of high value or not, or whether or not you have any type of security system, it can happen. Theft can happen to anyone, regardless of how prepared you think you are to prevent it. Unless you have the best security system that money can buy (and perhaps even if you do), you cannot be 100% certain that theft won’t occur in your home.

Even though you can’t prevent theft from occurring in your home, there are ways to respond to it that can assure that you will receive some of the monetary value of your items back. It is natural to be upset and emotional if your valuable items are stolen, but it is important to take action as quickly as possible to recover from the emotional and physical damage that theft can cause.

Here are a couple of steps to recovering from theft in your home:

Call a Public Insurance Adjuster

A Public Insurance Adjuster can assess the damage that thieves could have caused and can evaluate how much your insurance company should owe you. It is important to have someone to come look at your home from a third party in order to get a clear and logical perspective on the issue at hand.

Walk Through Your Home and Gather Evidence of Damage

Even though your public adjuster should follow this step, it can’t hurt to go along with him or her to get an accurate assessment of what was taken and how much it was worth. It is important to know everything that was stolen so that your public adjuster can present the information to your insurance company. Take photos or draw sketches of everything that was stolen and where it was placed. For future reference, it would also be a good idea to take photos of valuable or expensive items upon purchase to show your insurance company where it was and prove that it was stolen.

Having your home broken into and your items stolen can certainly take a toll on you. It can be an emotional and expensive experience, but a licensed public adjuster in PA will be there every step of the way to help you and your family recover from the losses and work with your insurance company to be reimbursed. For more information on public adjusting in PA, browse our site or call 800-266-1965.

How To Prevent Mold Damage to Your Home

Mold is, unfortunately, one of those problems that most people do not notice until it is too late. Once a significant amount of mold is present, it may cause wood and other materials to deteriorate. Mold that forms inside the frame of the wall is especially troublesome since it can cause the wall to eventually fail. Cleanup of mold and rebuilding destroyed portions of your Philadelphia area home can be very costly, and you will likely need to call a public insurance adjuster in PA to examine the extent of the damage before you notify your insurance company.

Luckily, mold can be prevented. Here are a few tips to help prevent the harmful buildup of mold in your home.

  • Monitor the humidity level in your home. One simple way to prevent mold is to keep your indoor humidity at appropriate levels. Ideally, this is between 30 to 50 percent. Once the humidity reaches over 60 percent, there is an increased chance of mold growing. Some central air thermostats keep track of the humidity level in your home, but if yours doesn’t, you can buy an inexpensive device from your local hardware store to measure it.
  • Keep your roof gutters clean. When water gets backed up into your gutters, it can begin to leak into the roof and walls of your home, potentially causing structural damage. It is especially important to inspect gutters after storms to make sure they are clean and free of leaks.
  • Use fans for improved ventilation. Exhaust fans in the bathroom and over the stove are essential to remove excess moisture from the air. On particularly humid days, it is also a good idea to keep ceiling fans running to improve air circulation and prevent the buildup of mold.
  • Watch for areas with standing water. There are a few common places in the home that tend to be more damp than others. Basements and crawl spaces tend to be damper than the rest of your home, so monitor those carefully and address issues as needed. You should also check for puddles of water around hot water tanks, refrigerators, and sump pumps. The water should be cleaned up immediately, and any leaks should be repaired as quickly as possible.

 

If you follow these preventative tips, you are less likely to have mold in your home. However, natural disasters like floods or hurricanes can cause mold to grow in your home, among numerous other problems. R.P. Adjustment Group is here for you 24/7 when you need public adjuster services in PA and NJ, so don’t hesitate to give us a call.

3 of the Most Common Home Insurance Claims

Every year, thousands of homeowners file insurance claims for all types of damage to their homes. Minor damage like a single broken window may not require public adjusting for your PA home; however, if the damage is extensive, you should consider calling R. P. Adjustment Group to help you make the most of your homeowner’s insurance policy. Here are three of the most common claims that people file with insurance companies each year.

  • Water damage – Damage from water is one of the most common insurance claims, and there are many reasons why it might happen.
  •       – In the winter, there is the possibility for pipes to freeze and subsequently burst, especially if they are not properly insulated. That’s why even if you’re leaving to go on vacation, you need to keep your heat running and leave faucets set to a trickle.
    •     – When ice dams form in gutters after a winter storm, they can cause water to leak into the roof and inside the walls of your home. If you don’t notice the damage, the water that seeped inside can also begin to grow mold, which can cause even more of a headache.
    •     – Another issue that can cause water damage at any time of year is if a washing machine hose breaks, or a toilet or bathtub overflows. If you’re home when one of these things happens, it’s important to try and curb the damage as much as possible by stopping the flow of water and mopping up excess before it leaks through to the floor below.
  • Wind and hail damage – While perhaps more common in the central United States, also known as Tornado Alley, high winds and hail have been known to cause damage all across the country. Coastal states like New Jersey are also more likely to see damage from hurricanes, although damage from flooding is also a concern with those storms. Hail most frequently occurs during a summer thunderstorm, and it can cause damage to roofs and windows.
  • Fire and smoke damage – Although not as common as the other two types of damage we mentioned, fire damage tends to be one of the most costly insurance claims. A massive blaze may destroy your house and much of your personal property, which can take a huge emotional and financial toll on your family. When your property suffers extensive damage, it’s best to call a public insurance adjuster in PA to ensure you get the compensation you’re entitled to.

When you need assistance after filing an insurance claim, don’t hesitate to call R. P. Adjustment Group.

Winter Storms: What to Do Before and After

Winter storms can be brutal — the howling wind, the bitter cold, the blinding snow — all of these factors combine to create dangerous conditions. It’s important to know how to prepare for a storm so that you and your family can stay safe. It’s also important to know how to react after the storm hits, especially if your home has sustained damage as a result.

Preparation:

  • 1. Make sure you have supplies to last several days. If you get snowed in, you won’t be able to go to the store. Forget the bread and milk, though — make sure you have nonperishable foods, as well as plenty of drinking water, in case your water supply pumps stop working. Refill any necessary prescriptions for your family members. And don’t forget to have food on hand for pets too.
  • 2. Have flashlights and batteries on-hand. If the power goes out during the storm, you will want to have a light source. Consider a hand-crank flashlight, as it does not require any batteries. It’s also a good idea to have a battery charger for your electronic devices.
  • 3. Prevent ice dams in your gutters. When ice builds up at the edge of your roof, it can lead to improper drainage of melting snow. This can unknowingly cause water damage in your home. Make sure you keep gutters and downspouts clear. Consider installing self-regulating heat cables on your gutters to stop the ice from forming.

 

After the Storm:

  • 1. Use caution when venturing outside. As snow melts and refreezes, it becomes extremely slippery and dangerous. When snowdrifts form during a blizzard, it can also be difficult to tell how deep the snow is, or what’s underneath it. Either shovel out the area first or stick to sidewalks that have been cleared.
  • 2. Do not climb onto your roof. Heavy snow on your roof is likely to cause damage, but going up there to shovel it off is not a smart idea. Instead, purchase a snow rake, which you can use from the safety of the ground. If you have multiple stories to your home, then you may need to hire a professional snow removal service.
  • 3. If you find any damage to your home, call a public insurance adjuster. If the storm caused significant damage to your home, including damage caused by water and wind, then you’ll want a professional to evaluate it.

At RP Adjustment Group, we are here to do just that. When you need a public insurance adjuster in Mt. Laurel, NJ to help you get the highest possible reimbursement from your insurance company, give us a call at 800-266-1965. The icy wrath of Mother Nature is unpredictable. Let our highly qualified public adjusters in Moorestown, NJ, help you deal with the aftermath of the next winter storm.