Posts Tagged ‘free insurance policy review’

Your Grill Can Ruin Your Day And Your Siding: How a Public Adjuster Can Help!

Monday, April 8th, 2013

Happy Spring everyone! With such lovely temperatures a lot of homeowners are pulling out lawn furniture from storage. The star attraction of any beautiful sunny day is a cookout featuring The Grill. Whether you prefer gas or charcoal, you really want to think about the placement of your grill while in use and during cool-down especially if you have vinyl siding. If you have painted metal siding you also want to be cautious as temperatures and smoke can damage your finish.

Did you know that damaged siding from your grill could be a covered claim? If you have an all risk policy, you are covered for everything unless it is specifically excluded, and that includes melted siding from your grill. However, before you runt o file a claim, you want to know your deductible. You will also want to have the damage assessed. A Public Adjuster can take a look at your damage at no out of pocket cost to you. A Public Adjuster will let you know whether it is a good idea to file a claim or not.  I know most people just read that statement and they’re thinking, “if I have damage, shouldn’t I file a claim?” The answer is maybe. Many factors come into play in a scenario like this. How much siding is affected? Is there scorched decking? Is the siding type available? Is the color available? Are there any “breaks”? Do you have prior claim history? If all this has you scratching your head, you are not alone! A Public Adjuster can answer these questions and give you the information you will need to make an informed decision.

If you find yourself with any claims questions, whether from this type of cause of loss or any other, please remember I am here to help you. I am Michelle Murphy, licensed and bonded Public Adjuster in the State of Pennsylvania. I have been working in this industry for four years in the Pocono, Slate Belt and Lehigh Valley regions. I am pleased to be a part of one of the largest companies in Pennsylvania, Citizens Public Adjusters, and look forward to helping you with your claim. Feel free to call me at 570-730-8607 if you have any questions concerning damage to your home or business.  Come visit me and “Like” me on Facebook at http://www.facebook.com/pages/Michelle-Murphy-Public-Adjuster/186668698043821

Winter Fires and Safety

Wednesday, January 16th, 2013

Did you know that  fires are more prevalent during winter months. The main cause for this is the increase in heating use and cooking. Cooking is the leading source of residential fires. Fires occur most often in the early evening hours and peak between 5pm and 8pm. Other causes of fires during winter months are electrical, heating, holiday decorations, winter storms, and candles.

There are some basic safety tips you can follow to help prevent fires in your home. We’ll address them one at a time over the next several blog posts. The first we’ll address is cooking fires and safety in the kitchen. First, I’ve said it many times but it bears repeating. You must have a fire extinguisher in your kitchen and you must know how to use it. When you are cooking do not wear loose clothing. You also want to keep kitchen towels, sponges, paper towels and potholders away from your stove. Other items that could catch fire are food packaging, wooden utensils and curtains. Be sure your stove is plugged directly into the outlet. Never use an extension cord for your appliances. Next, be alert! Never leave cooking food unattended. Oils are highly flammable. If you are cooking and your pan catches fire put a lid on it immediately. It is a good idea to keep a lid nearby with an oven mitt just in case. Once the lid is on, turn off the heat and do not uncover until the pan has cooled completely. Likewise if your oven catches fire, turn off the heat and do not open. Let the oven cool down completely before you open it. The most important tip here is to know when to get out of the house. It is always better to be safe and call for help if a fire doesn’t seem manageable. Things can be replaced, people can’t.

Smoke damage from a fire can be just as bad as actual fire damage. Smoke residue is acidic and can damage fibers. Smoke and soot in air ducts can be recycled through your home heating/central air systems causing continual damage over time if remediation is not done. Smoke and soot behind walls can leave an odor since it can penetrate into porous surfaces. Remediation is necessary to eradicate this problem as well.

Suffering property loss from a fire can be overwhelming and stressful to say the least. No matter whether it is a localized kitchen fire or a total loss, always remember that there is someone here to help you get through the claims process. My role as a Public Adjuster is to take the burden off you and process the claim on your behalf. We meet with your insurance adjuster, document the scope of the damage, inventory your personal belongings and fight for a settlement that is fair and within the limits of your policy. We’re with you every step of the way to help you so that you can get back to what is important,,living your life.  If you have any questions or if you would like a free policy review, I can always be reached on my direct line at 570-730-8607. You can also find me on Facebook here http://www.facebook.com/pages/Michelle-Murphy-Public-Adjuster/186668698043821.

 

 

 

Happy New Year! Out with the old and in with the new!

Monday, January 14th, 2013

Happy New Year! It is a brand new year and that means cleaning out the old and bringing in, or celebrating, the new! January is one of those months that find us all inside looking for things to do while the weather outside is not so pleasant. Holiday decorations are taken down and stored, and we try to reclaim our space by clearing out those things that no longer serve us. While packing your decorations, make sure to look them over for signs of wear.

Did you know light strands older than three years cause most fires? If you do have older strands be sure to check them over for nicks and frays. Do not ever splice your light strands. If you check with your trash hauler you may be able to take those old lights and stick them in your recycle bin! So while protecting yourself from a potential fire hazard and a homeowner’s insurance claim, you are also doing something good for the environment!

While you’re at it, be sure your smoke detectors are functioning and have fresh batteries. Make sure you have a fire extinguisher in your kitchen. Also be sure you know your basic fire safety. By doing these few small things you are helping your family to be safe. Here’s hoping we all have a safe and (claim-free) Happy New Year! From the Poconos to the Slate Belt, I’m here to help you!  Feel free to contact me at 570-730-8607.  Click here to find me on Facebook as well http://www.facebook.com/pages/Michelle-Murphy-Public-Adjuster/186668698043821.

 

Welcome to My Public Adjusting Website!

Friday, May 11th, 2012

Thank you for visiting my Website!  For those of you who know me have a look around and feel free to provide feedback. For those of you who don’t know me yet, I am a Public Insurance Adjuster licensed in Pennsylvania. A Public Adjuster is an advocate for home and business owners who have property damage.

I help people  get money from their insurance to pay for repairs. I have been a Public Adjuster for three years and have helped many people. Helping people has always been a passion of mine. That passion is what makes me successful in my business. Too many times I hear from people who are in a situation where they feel helpless or taken advantage of. A lot of times they are frustrated with the claims process. I can make that process easier. By handling all of the headaches, phone calls and letter writing, and also dealing with the insurance company and the adjuster, I take the burden off the home or business owner so that they can get back to what is important to them…their home or business and their lives!

Thank you again for visiting my site, and  I do hope you will come back from time to time to see what is new!

I am proud to service the Pocono Mountain and Slate Belt regions for the past 3 years.  If you, or anyone you know has a current or closed insurance claim, please contact me at 570-730-8607.