Posts Tagged ‘is my claim covered’

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

Insurance Claims and Your Responsibilities-How a Public Adjuster Can Help You

Sunday, October 14th, 2012

Did you know that every policy holder has certain contractual rights and responsibilities after a loss occurs and not fulfilling your obligation as per policy provisions can negatively affect your settlement and even allow the insurance company to deny your claim? That’s right, you can be denied your claim just because you reported the cause of loss incorrectly.  If you have water in your basement for example, does that mean it is “flooded”? Not necessarily. The question I always ask is, “where did the water come from”? As a Public Adjuster we perform a thorough inspection and take the time to speak with the client about what happened. Once we get the facts straight we can then determine the proper cause of loss, thus avoiding an error in reporting the claim to your insurance company.

Do you know what your obligations are when a loss occurs?  Do you know all the contractual rights and responsibilities of your insurance policy? It is the homeowner’s responsibility to “mitigate” the loss. This means to stop the damage from happening further. If you have a burst pipe and water is flooding your kitchen, for example, you need to call a plumber to find the leak and make the repair. It is also important to separate wet items from other items so that other furniture, clothing, carpet, etc do not also become wet. Sometimes it is necessary to bring in a remediation company. You are also responsible to report the loss in a “timely manner”.  I’ve come across homeowners who did not know they had a covered claim and so they attempted to handle the damage themselves. The lag time between the date of loss and when it is reported can cost you money! A Public Adjuster can help you determine whether damage is covered and can report it in a timely manner if it is covered.

If this all has you scratching your head, you are not alone! I can help you by answering any questions you may have concerning a property loss claim you may have in process or one that has even been denied. Feel free to contact me at 570-730-8607. From the Poconos to the Slate Belt, I’m here to help you! Feel free to check me out on Facebook as well.