Winter Season Homeowner Claims Help
There are typically 8 types of Homeowner Property Damage Winter Claims scenarios that you as a homeowner should be aware of this coming winter season. Not including the common everyday homeowner claims that are filed each and every day.
Examples: Theft, Vandalism, Plumbing and Fire…etc. You can reference our common Everyday Home Claims listed under the “Services” tab in the drop-down menu.
As your Advocate in Property Damage and when you need Homeowner Claims Help, we are compelled to inform you about making hasty decisions when it comes time for filing a Homeowner Insurance Claim from a Winter Season Property Damage occurrence.
Just a simple inquiry made by you the “policyholder “to the insurance company with regards to property damage that you may have incurred or sustained from any of the Winter Home Claims scenarios listed below could cause the insurance company to sur-charge you by raising premiums.
Yes, even a simple inquiry could cost you money in the long run. Sounds scary but allow us to explain in further detail when you call us at (215) 364-4546.
So, you really need to know and understand before rambling on or talking to the insurance company about any Winter Season Homeowner Claims. In addition, never allow your insurance company to make your claim for you…ever!
And remember that, just because you have a Homeowners Insurance Policy it doesn’t mean that you are covered and that the insurance company is obligated to pay for any of the scenarios listed below.
If you allow “Advocate Public Adjustment” to Review your Insurance Policy for FREE then we would be in a better position to determine and render our opinion as to your specific policy type and what is and what isn’t cover. This is the starting point for us. We would most certainly need to know what kind of policy you purchased, what endorsements are made part of that policy, what is the deductible, and whether you have a replacement cost policy V. actual cash value policy.
After our FREE Policy Review, we would inform you whether the policy would cover against any of the Winter Season Property Damage Home Claims listed below.
If the homeowner’s policy affords coverage as a result of “OLD MAN WINTER’S WRATH”, then you must see if it is worth filing a claim or not.
Please do not listen to unethical public adjusters that just got into the business insisting that they will submit and handle everything on your behalf when it doesn’t make sense to file a claim because the amount of loss and or the extent of damage really isn’t sufficient enough to make a claim in the first place.
Please Note: That we have been settling homeowner insurance claims since 1992 full time every day. This is Decades of Experience specific to this industry.
If it doesn’t make dollar sense to submit the claim then DON’T.
Well, how can you determine if it is or isn’t worth it?
GREAT QUESTION?
Call Advocate Public Adjustment (215) 364-4546
For Winter Season Homeowner Claims Help
Advocate Public Adjustment will review your policy for free with no obligations at all. We will see if it is worth pursing any and all first party claim benefits or not by inspecting the property. If it turns out that it is not beneficial to pursue a property damage winter home claim, we would inform you of that fact.
We are “Your True Advocate in Property Damage Winter Home Claims Help”.
Advocate Public Adjustment will make certain that you fully understand the facts with regards to the merits of your particular situation. Yes, you might have an insurable loss. But the reality might be that it’s just not beneficial to make a claim because it just doesn’t make sense.
Listed below are the most common types of Winter Seasonal Home Claims that you may need Home Claims Help with:
- Weight of Ice and Snow – there are only (?) Home Insurance Policies types that will cover this named peril or perils insured against. No sense filing a Winter Season Home Claim if it is not covered or if it doesn’t make sense to file because the damage barely exceeds the policy deductible and there is just not enough to pursue.
- Ice Dam – Roof Leak – There are only (?) policy types that will cover for this type of damage. That’s all. Yes, Ice Dam is not a named peril and you need to have a certain Homeowners Policy that will cover this type of Winter Season Property Damage Home Claim.
- Ice Storm – Power Outage – Fallen Trees (?) Power outages can occur from a multitude of events such as, Wind, Ice accumulation onto power lines and or tree branches, a Vehicle hitting a power line pole. Ice Storms are known to cause major power outages. No power, No heat.
- Freezing of Plumbing and Heating Systems (?) No heat will cause a plumbing system and heating system to freeze solid. When pipes freeze and burst major catastrophic water damage can occur.
- Blizzard – East Coast Nor’easter – a variety of property damage situations can happen from these types of weather systems in the winter. (?) Heavy snow loads, high wind speeds, frigid temperatures with negative wind chill factors.
- Rapid Snow Melt Flood (?) After a winter storm passes in our area a warm front may develop along the east coast coming out of the south causing a rapid meltdown with temperatures rising. When this occurs, storm drains in the streets and sump pumps in basements might not be able to handle the rapid melt down, causing flooding. It’s important to note, that most homeowner policies do not cover against flood damage. That you will need a NFIP Standard Flood Insurance Policy (SFIP). You can purchase a Private Flood Insurance Policy that will have much higher limits and more to offer than the NFIP Government Policy. Flood coverage can be provided by a Homeowners Policy if you have a Flood Coverage Endorsement added to the policy. These endorsements usually offer higher coverage limits, as well as coverage for personal property in a basement area, replacement cost for building items and content items. In addition, to paying for Additional Living Expenses that the NFIP Standard Flood Insurance Policy (SFIP) will not cover at all.
- Heater Puff Back- Smoke – Soot (?) This type of claim occurs when you turn on the heater and the oil injector nozzles are clogged or too much oil is delivered into the nozzle that does not burn off and causes excessive oil in the air circulating through the vents and baseboard heat pipe chase ways.
So, if you need Winter Season Claims Help and live in Bucks County, Winter Season Claims Help and live in Chester County, Winter Season Claims Help and live in Delaware County, Winter Season Claims Help and live in Lehigh County, Winter Season Claims Help and live in Montgomery County, Winter Season Claims Help and live in Northampton County then Advocate Public Adjustment is Your Winter Season Home Claims Consultant. We offer competitive contingency fees Call Today (215) 364-4546 or you can send us an email to AdvocatePublicAdjustment@gmail.com.