Category Archives : property coverage

Ask the right Questions before Hiring a Public Adjuster

Hiring a public adjuster is advantageous, especially since your insurance company will try to minimize any loss you choose to file. Public adjusters are your best defense against your insurance company, but the insured should know about the process before they choose to hire a public adjuster. A public adjuster’s job is to review your […]

Winter is Coming – If You Know Nothing, Read This

Around Pennsylvania and New Jersey, our falls and winters can be harsh. As August heads out, some serious storms can head in and turn the area upside down. Unpredictable rains and wind manifest themselves as storms and the turmoil includes flash flooding without warning, falling branches, collapsed trees, heavily damaged roads and much more. Around […]

Facts, Tips and Tricks for Wind and Rain Damage and Dangers

You might not know some of the things we’re about to tell you in this blog, and you may have heard some of them already. Either way, property owners in America are most likely to experience high winds and severe rain storms over any other natural threat. Wind and rain are very general terms, but […]

Some Ways Water Damage Can Impact Your Life

There are many reasons that someone can end up fighting with a claims adjuster from their insurance company. In fact, one of the most potentially serious and widely contested claims is that of water damage claims. Water damage does more than just damage property—it causes growth of harmful microorganisms like mold and mildew, and in […]

how to minimize risk of freezing pipe

Posted on January 21, 2014 @ 8:45 PM EST

How to Minimize the Risk of Freezing Pipes

Prepare your residential and commercial properties for the freezing conditions that are taking the Northeast by storm.

There will be snow up to 6″-12″ across the area. Many winter storms are accompanied by dangerously low temperatures and sometimes by strong winds, icing, sleet and freezing rain. Be sure to use your water faucets, showers, and toilets frequently & at luke-warm temperatures in order to minimize the risk of pipes freezing over.

A WINTER STORM WARNING is in effect for most of the area today from the Lehigh Valley all the way to the shore. A WINTER WEATHER ADVISORY is in effect for the Poconos. The snow is expected to intensify during the afternoon and evening hours.

SNOWFALL: A general 6-12″ is likely across the vast majority of the region with the highest amounts more likely along counties surrounding I-95. 3-6″ is expected in the Poconos. Close to the coast from about Atlantic City South into Sussex County, Delaware, lesser amounts are possible (3″-6″), as it appears the early heavy snow bands are missing the Shore.

Regardless of the severity of a winter storm, you should be prepared in order to safeguard your health & maintain safe premises – Know the Difference:

Winter Storm Outlook – Winter storm conditions are possible in the next 2 to 5 days.

Winter Weather Advisory – Winter weather conditions are expected to cause significant inconveniences and may be hazardous. When caution is used, these situations should not be life threatening.

Winter Storm Watch – Winter storm conditions are possible within the next 36 to 48 hours. People in a watch area should review their winter storm plans and stay informed about weather conditions.

Winter Storm Warning – Life-threatening, severe winter conditions have begun or will begin within 24 hours. People in a warning area should take precautions immediately.

Posted on October 14, 2013 @ 6:00 PM EST

After the Storm: Property Coverage Tips

After the recent heavy rain, homeowners may have questions about what damages are covered by insurance.

While each insurance policy differs, Pennsylvania Insurance Commissioner Michael Consedine yesterday offered the following examples of what is and is not covered in a typical homeowner’s policy:

  • Flood damage. Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy from the National Flood Insurance Program and takes 30 days to become effective. If your flooding was related to sewage backup, ask your insurance agent or carrier if an endorsement for sewer backup coverage was added to your homeowner’s policy. If so, your losses may be covered if the water damage was caused by sewer lines backing up through your home’s drain pipes. Call AAA Public Adjusters.
  • Power outages. Generally, there is no coverage for damage or a loss caused by a power outage if the source of the power outage did not occur on the insured premises. However, if the source of the power outage occurred on the insured premises, there is coverage.
  • Removal of trees and branches. The removal of downed trees and/or debris is covered if there is damage to a covered structure or the Pennsylvania governor declares the area where the damage occurred is a disaster area.
  • Additional living expenses. There may be an allowance for offsite housing until your home is repaired. Keep all your bills and payments made for offsite housing.

Commissioner Consedine encouraged consumers to read the terms and conditions of their own policies.After you contact your insurance company, take pictures of the damage and log your expenses:

  • Do not throw away your damaged property and do not make any permanent repairs. Your claim could be denied if the insurance company or adjuster is unable to see the extent of the damage to your property. If you do make permanent repairs before the adjuster has seen the damage, your claim could be denied.
  • Be wary of anyone who knocks at your door and offers to do your home repairs. Natural disasters can be a magnet for scam artists.
  • Know your options when working with a property claims adjuster. You have the option of working with a company-appointed adjuster or you may choose to use a public adjuster to assist you in filing your claim. Be aware that company-appointed adjusters are working for the insurance company and, as employees, have a strong interest in denying your claim or paying less than what you are entitled to under your policy. While public adjusters charge a fee, they are professional experts in preparing and filing insurance claims, lack the conflict of interest of company-appointed adjusters by exclusively serving your interests, and the increased amount in recovery when utilizing their services serves to offset their fee.
  • Be sure you are working with a reputable, dependable contractor.

Source (Edited): Pennsylvania Insurance Department

property coverage tips