3 Most Common Types of Home Insurance Claims

If you’re filing an insurance claim on your home, you’re not alone! One in every 15 homes will file an insurance claim this year, totaling over 4.8 million home insurance claims a year. If you are going to join that number this year, check out whether or not you’re filing for one of the most common home insurance claims in the country, and make sure to use a public insurance adjuster in NJ and PA to make sure you’re getting the highest claim possible!

1) Damage from wind and hail. The most common insurance claims are related to damage from wind and hail. The most common damage comes to roofing, as hail and heavy winds can rip shingles from the roof. Hail damage frequently dents metal roofing, causing the need for shingle replacements. While most of the time, this type of damage is covered under comprehensive home insurance policies, if you live along the Atlantic Ocean or in the Gulf of Mexico, you may have to pay extra for this type of coverage. Speak with your insurance agent to make sure that you’re covered, and be sure to speak with a company providing public adjuster services in PA or NJ before making your claim!

2) Water damage and freezing. When the temperatures start to drop, many homeowners experience problems with damage in their pipes or gutters, as water can settle, freeze and cause leaks or bursting. Keeping pipes insulated during the winter can prevent freezing, leading to pipes that are healthier and safer during the winter.

3) Fires and lightning. Home insurance claims involving fire and lightning are among some of the most expensive. The average claim involving a fire was over $37,000 between the years of 2009 and 2013, making these claims about $17,000 more expensive than the next leading claim (bodily injury and property damage). From grease fires to lightning strikes, these claims are among the most expensive and dangerous.

If you are dealing with an insurance claim, contact our team at R.P. Adjustment Group by calling 800-266-1965 to learn more about our services.

Infographic: Trust The Process

We here at R.P. Adjustment Group, the top licensed public adjusters in PA, have a process of our own in order to get you every benefit you are owed through your insurance claim. Our process detailed below shows each step we take to work with homeowners and business owners to help make sure they receive every penny and benefit they are entitled to through their insurance provider.

 

For more information on R.P. Adjustment Group’s process or to speak with one of the best public insurance adjusters in Bensalem, PA, head over to our website at http://rpadjustmentgroup.com/. We can also be reached over the phone by dialing (800)-266-1965.

Never Negotiate with Your Insurance Company Alone

When it comes to negotiating an insurance claim, it can be tempting to take on the big companies by yourself. After all, shouldn’t the insurance agent be there to help you out during this stressful time? Unfortunately, this is not the reality of the world that we live in as insurance agents represent the company, and may try to convince you to take a payment lower than what you’re owned.

 

A public insurance adjuster in Philadelphia, PA from R.P. Adjustment Group can help you make sure that you’re maximizing your payments. Don’t depend on yourself to navigate the complicated world of insurance alone! A public adjuster can help you to avoid these common mistakes when dealing with an agent:

 

  • Neglecting your insurance. While this may sound like an obvious pitfall, many homeowners find that they don’t actually know their insurance policies and their exclusions as well as they thought they did when it comes time to negotiate payments. With a public adjustor, you won’t have to worry that you’ve forgotten an exclusion or loophole because your adjustor specializes in using these little details to your advantage.

 

  • Failing to understand building codes. Do you know how high you can legally build a wall in your town? What about requirements regarding other types of building codes? Unless you have experience in property law or construction, you probably aren’t familiar with Pennsylvania’s unique set building codes, and an insurance agent may use this to his advantage to give you a lower payment. A licensed public adjuster in PA knows the laws, so he or she can get you the payment you deserve.

 

  • Backing down during negotiations. Most people are not very confident in their public speaking or negotiation abilities, causing homeowners who take on insurance agents alone too often back down during negotiations. A public adjuster is devoted to fighting for you, and won’t give up until you receive the maximum payment.

 

Don’t negotiate with your insurance company alone. Call our experts at R.P. Adjustment Group today for more information.

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.