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 […]
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When disaster strikes—whether it’s a burst pipe flooding your basement, a kitchen fire damaging your home, or a storm tearing through your roof—the last thing you want to worry about is battling your insurance company. Unfortunately, that’s exactly what many policyholders face. Insurance companies have their own adjusters, whose primary […]
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. […]
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 […]
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 […]
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 […]