Why You Should Never Accept the First Offer from Your Insurance Company By AAA Public Adjusters, LLC Introduction: The Illusion of a “Fair” Offer When disaster strikes — a burst pipe, kitchen fire, roof leak, or storm damage — homeowners often breathe a sigh of relief when their insurance adjuster […]
homeowners insurance
35 posts
Homeowners often assume their roof is fully covered for replacement after a storm — but in recent years, many insurance companies have quietly added Roof Surface Coverage Endorsements that change how roof claims are paid. These endorsements introduce what’s called a Roof Surface Payment Schedule, which limits how much the […]
Published: September 23, 2025 Short version: If you and your insurer disagree on the amount of loss—not on coverage—the policy’s Appraisal provision can force a neutral valuation so you get paid fairly. Below is a plain‑English, homeowner‑friendly guide from AAA Public Adjusters. Why this matters right now Storms and sudden […]
By AAA Public Adjusters When a storm rolls through your neighborhood—bringing high winds, hail, and flying debris—it’s natural to expect your homeowner’s insurance to step in. After all, that’s what it’s for, right? But for thousands of homeowners across Pennsylvania, New Jersey, and beyond, the reality is far more frustrating. […]
If you’re a homeowner or property investor, chances are you’ve felt the sting of rising insurance premiums. Over the past few years, property insurance costs have surged across the U.S., leaving many people asking: Why is this happening, and what can I do to protect myself? At AAA Public […]
When policyholders and insurance companies disagree on the amount of damage or the value of a loss, it can create frustration and delays in getting life back to normal. Fortunately, most property insurance policies include a provision known as the Appraisal Clause, which offers a method for resolving disputes fairly—without […]
A fireplace can bring warmth and comfort to your home, especially during the colder months. However, without proper maintenance and precautions, it can also pose serious risks, including fires, carbon monoxide poisoning, and structural damage. As public adjusters, we at AAA Public Adjusters understand the importance of home safety, and […]
Burst pipes are one of the most common and damaging issues homeowners can face. A sudden pipe failure can result in significant water damage to your property, impacting walls, ceilings, floors, and personal belongings. While your homeowners insurance policy may cover such losses, navigating the claims process can be complex […]
Homeowners often overlook the potential risks associated with their sewage line until a problem arises. When disaster strikes, it can lead to significant damage and costly repairs, leaving many wondering if their homeowners insurance will come to the rescue. Understanding the extent of coverage for storm sewer lines is crucial […]
As the calendar flips to 2024, homeowners are increasingly feeling the pinch of the cost of homeowners insurance. This essential financial safeguard, designed to protect one’s most significant asset, has seen a noticeable uptick in expenses, compelling homeowners to scrutinize what drives these costs. Understanding the rising cost of homeowners […]