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 […]
property coverage
32 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 […]
For many business owners, commercial property insurance offers peace of mind. It protects your building, your inventory, and often your business income in the event of a covered loss. But there’s one costly exposure that’s often excluded from standard commercial insurance policies—power failure caused by off-premises events. Most business owners […]
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 […]
When it comes to protecting your home from unexpected water damage, many homeowners mistakenly believe their standard homeowner’s insurance policy covers all types of flooding and water-related issues. Unfortunately, that’s not the case. Damage caused by sump pump failures, sewer backups, and drain overflows typically requires a specific insurance endorsement […]
Plumbing leaks can disrupt your home life and often leave a significant financial burden. When dealing with water damage from leaks, many homeowners turn to their insurance for relief. But does homeowners insurance cover leaks from plumbing issues? The answer is nuanced and often depends on the specifics of your […]
It’s a typical day, and your home is running smoothly until you suddenly notice water pooling around your water heater. Panic sets in. It doesn’t take long to trace the source—a burst temperature and pressure relief valve (T&P valve). What happens next? Let’s break down what this valve does, why […]