Independent Insurance Adjuster’s Tips for Dealing with Winter Roof Leaks

Did you know that roof leaks can occur in the winter? It’s true. The situation is most often the result of snowmelt, poor insulation and ice damming issues. Ice damming related problems are the ones that our independent insurance adjusters tend to deal with each year. So if such problems occur at your home or business this year, consider keeping our tips in mind:

Tip #1: Rake Away Debris

One way to temporarily handle winter leaks is to remove as much snow as you can with a roof rake. They are typically available for purchase through various retailers. Just make sure that the rake you choose has a handle that is long enough reach the roof from the ground. That way, you won’t have to risk your life making an icy climb.

Tip #2: Clear the Gutters

While you are raking, make it a point to clear the gutters. Some people opt to do that by filling ladies’ nylons with ice melt and placing them onto the ice. If you do decide to take that route, keep in mind that some deicers can cause structural damage and plant death. So it is important to select an ice melt product that is safe for your structure’s roofing system and landscaping. In some instances, that may be a product made with calcium chloride.

Tip #3: Patch it with Plastic Roof Cement

If you end up with a clear day and a snow free roof, consider temporarily patching problem areas with plastic roof cement.  There are certain types, like Gardner Gibson’s Wet-R-Dri, that may be used during the winter months. In general, you will need two gallons of the product for every 24 square feet of coverage.

Tip #4: Keep the Area Cool

Keeping the attic cold can also help stave off problems. To do that, consider air sealing any gaps between the attic floor and the heated levels of your structure. You may also want to install attic fans and insulation as well as refrain from using any heat generating appliances that vent into the space.

Tip #5: Look for Hidden Damage

Using an infrared camera to look for any hidden water damage after a roof leak has occurred is also a good idea. If you don’t want to purchase a camera and do the work yourself, make sure that you hire a licensed professional. Otherwise, you may end up with unreliable test results.

Tip #6: Contact Us

Lastly, remember to contact our independent insurance adjusters before filing a winter roof leak claim. We can help with the paperwork and ensure that your insurance company acts fairly during the settlement process. To contact our independent insurance adjusters in New Jersey and New York, please send us a message online or call (877) 869-8989.

Independent Insurance Adjuster’s Tips for Dealing with Winter Roof Leaks

Public Adjuster in Florida’s 5 Tips for Year-end Insurance Review Time

With the start of 2014 only a few weeks away, our public adjuster in Florida would like to remind everyone to conduct a year-end insurance review. After all, completing a year-end insurance review can save you from having to deal with aggravation, out-of-pocket expenses and confusion in the months ahead.

#1: Review Hurricane/Flood Policies

Two of the first things that Floridians should review are their hurricane and flood insurance policies. Hurricane and flood insurance coverage are normally listed separately from other storm related provisions. The hurricane portion may also feature a fixed or percentage deductible. Therefore, it is important to review which one you have and whether or not it still meets your family’s needs.

#2: Review Sinkhole Policy

Although 2013 was a mild year for hurricanes in Florida, it was a wicked one when it came to sinkholes. They cropped up in a variety of places including Clermont, Winter Park and Hillsborough County. Given that fact and the changes that were made to the way sinkhole insurance claims are handled in the state, it is best to review your coverage carefully.

Look to make sure that you are covered for catastrophic ground collapse as well as sinkhole loss. The sinkhole loss portion is usually part of an endorsement policy and covers cosmetic damages. The catastrophic ground collapse coverage, on the other hand, normally does not address cosmetic or land stability related damages.

#3: Review Floater/Endorsement Policies

Does your insurance coverage include endorsement policies and floaters? If so, be sure the go over the details of those as well. You may find those policies will need to be altered based on updated appraisal values, new purchases and sales. While you are at it, take a second to update your inventory list as well. Doing so may just help you remember a valuable piece of jewelry or other item that you forgot to insure during the last policy examination.

#4: Review Homeowner’s Policy

Once you’ve reviewed all of the extras, run through your basic homeowner’s policy too. Depending on the age of your home and its location, you may want to change from a HO-2 policy to a HO-3 or HO-8 policy instead. Each one has its good and bad points. Thus, it pays to weigh your options carefully.

#5: Review Discounts/Maintenance Needs

Lastly, take a look at which discounts you may be eligible for now and within the next six months. Remember, completing some spring improvement projects may just bring your homeowner’s insurance down a bit. Examples include the installation of electronic home security systems, fencing and hurricane shutters.

Those are just five things to remember when conducting a year-end insurance review. To speak with our public adjusters in Florida and learn more, please contact us at (877) 869-8989. We have 50+ years worth of experience handling insurance claims and the recoveries records to prove it.

Public Adjuster in Florida’s 5 Tips for Year-end Insurance Review Time

Florida Insurance Adjuster Discusses 2013 Sinkhole Insurance Claims

In mid November 2013, national headlines were rocked with news regarding yet another sinkhole forming in the Sunshine State. That particular one occurred in Dunedin and quickly expanded to 90 feet in diameter. In the process, it claimed homes and a 14-foot long boat. Because of that, our Florida insurance adjuster wanted to take time out to discuss sinkhole insurance claims.

Sinkholes, unfortunately, are just as much a part of Southern life as subterranean termites and hurricanes. There is really no escaping all three. The best one can do is take preventive measures and keep a Florida insurance adjuster’s number on speed dial. This is especially the case if your property happens to be located in what’s known as sinkhole alley.

There are eight different types of sinkholes that commonly occur in the state. The one that took place in Dunedin is frequently referred to as a catastrophic ground collapse. The damage caused by such events is traditionally covered by standard homeowner’s insurance policies. Problems caused by smaller sinkholes, however, are not normally a part of standard policies.

For example, let’s pretend that a small sinkhole forms near your home’s concrete pad. As a result, your home’s walls, foundation and ceiling develop minor cracks. The cost of repairing those cracks and filling the hole will most likely fall on you unless you have what’s known as an endorsement for sinkhole loss. The endorsement is generally purchased separately and has its own deductible. Therefore, it is best to make sure that your total insurance coverage addresses the various sinkhole types as well as relocation/living expenses.

Should you notice sinkhole activity on your Florida property, it’s best to contact our Florida insurance adjusters straightaway. We can help you sort out which deductibles and provisions apply to your sinkhole situation. In some instances, it may also be necessary to notify your county’s emergency management team, geologists and specialty contractors to solve the problem. The Florida Geological Survey has a phone line and comprehensive web page devoted to dealing with such issues. You may find reviewing it helpful as well.

To learn more about how our Florida insurance adjuster can provide assistance with sinkhole insurance claims, please contact us. We may be reached by e-mail or by calling (877) 869-8989. Our Florida insurance adjuster also welcomes comments about sinkhole issues on the Equitable Public Adjusters’ Facebook and LinkedIn pages too.

Florida Insurance Adjuster Discusses 2013 Sinkhole Insurance Claims

Public Adjusting Firm Discusses Winter Lightning Damage and Thundersnow

Did you know that most people associate lightning damage with warm weather? What they fail to realize is that such activity is not restricted to certain times of the year. Just ask the independent insurance claims adjusters that work at our public adjusting firm. They all know that thunder and lightning storms can, and do, occur in the winter months. The scientific community even has a name for such weather occurrences. They refer to them as thundersnow events.

Thundersnow events have a history of taking place in various states, including New York. When they do take place, the lightning bolts’ ampage levels are said to be significantly higher than those that occur during warm weather events. Depending on the situation, the currents generated from a single bolt may range from 2,000 amps to 200 million volts.

For those property owners whose assets are hit with wintry bolts from the blue, extensive damage is the likely result. As an example of how much damage may result, take a look at the Insurance Information Institute’s latest lightning claims report. It indicated that close to $1 billion dollars in lightning damage was reported in 2012. However, the report did not divide the $1 billion dollars in damages up into seasons. Therefore, there is no definitive way of knowing just how much of it was caused by winter lightning events.

As a public adjusting firm, what we do know is that regardless of the season, it pays to be mindful of lightning’s damage potential. With that said, we’d like to encourage property owners to review their insurance policies now. That way, they’ll know if they have winter lightning related coverage. We’d also like to remind everyone that we can assist residents in NY and FL with filing lightning damage claims year round. To learn more about the claims’ filing process in those areas, please contact us. Our public adjusting firm’s phone number is (877) 869-8989.

Public Adjusting Firm Discusses Winter Lightning Damage and Thundersnow

Public Adjusting Firm’s Tips for Avoiding Holiday Decoration Woes

Each year, countless Americans haul out their holiday decor in the hopes of creating the best display ever invented. The sad reality of the matter is things don’t always work out as they would have hoped. Here’s a look at what can go wrong when decking the halls and how public adjusting firms can help:

Two of the unfortunate things that may occur are holiday decoration theft and vandalism. Just last year thieves stole Christmas decorations from several residents’ lawns. Similar instances took place in New York and Florida too. The amount of decorations stolen and vandalized obviously varied with every situation. However, some home and business owners lost close to $1,000 worth of holiday décor.

So how does one avoid having to deal with such holiday theft and vandalism problems? Our public adjusting firm’s staff suggests looking into establishing neighborhood watches and investing in time-tested security systems. Such actions may just help to keep the world’s Grinches at bay. It is also advisable to initial your decorations, make a photographic record of each one and save all of the receipts.

Theft and vandalism are not the only things that can go wrong in regards to holiday decorations. There is also the issue of holiday decoration related fires. According to historical figures, Christmas tree fires alone cause more than $17 million in property damages each year, nationwide. That’s not factoring in fires caused by faulty holiday lights, candles, Yule logs and animatronics.

To avoid such holiday catastrophes, our public adjusting firm recommends using décor that is non-flammable, UL-rated and in excellent condition. As far as the trees go, keeping them properly watered is a must. It is also important to unplug all electric powered decorations and extinguish any flames when you can’t be around to monitor them closely.

Wondering what to do if a holiday decorating disaster happens anyway? Well, the first thing on your “to do” list should be to pull out your insurance policy and contact us. Many insurance policies actually cover damages related to holiday decoration theft, vandalism and fire. So we can help you read through the paperwork, file and settle your claim. For more information about our public adjusting firm can help you recover from a holiday decorating disaster, call (877) 869-8989.

Public Adjusting Firm’s Tips for Avoiding Holiday Decoration Woes

Public Adjusters" Tips for Avoiding and Dealing with Thanksgiving Day Fires

Did you know that approximately 2,000 residential fires occur on Thanksgiving Day every year? That’s nearly double the amount of fires that take place on other days of the month. According to the U.S. Fire Administration’s latest data, most of those fires start between noon and 4 p.m.  In the process, they cause an estimated $21 million in damages. The good news is our public adjusters have a few suggestions on how you can prevent such holiday mishaps from occurring:

#1 Fry Safely

Cooking disasters, including those connected to turkey fryers, are one of the chief causes of Thanksgiving Day fires. So our public adjusters would like to urge all fried turkey fans to use the utmost of caution this year. The best course of action is to place the fryer outside and away from flammable objects. It is also important to thaw the turkey properly and keep a Class K fire extinguisher nearby.

#2 Use Sterno Safety Equipment

While we are on the subject of foods and flames, don’t forget to use caution with Sterno’s cooking fuel too. They contain jellied, denatured alcohol, which is highly flammable. As such, they should never be placed on a table without the proper safety equipment in place. Safety equipment that should be used with Sterno includes wire fuel holders, snuffer paddles and non-combustible trays. It is also important to note that in order to account for any splatter issues, the non-combustible trays should extend well beyond the Sterno containers in each direction.

#3 Handle Candles Cautiously

Although they are the chief cause of Thanksgiving Day fires, cooking mishaps are not the only things to look out for. Our public adjusters would also like to remind everyone to handle holiday candles cautiously. Do not place the lit candles close to centerpieces, table linens or paper decorations. Otherwise, they could easily cause those items to go up in flames.

#4 Remember Our Public Adjusters

Finally, remember that if a Thanksgiving Day fire does occur, our public adjusters are nearby and willing to help. Just contact us by calling (877) 869-8989. Afterward, one of our public adjusters in Florida or New York will get to work on your claim.

Public Adjusters" Tips for Avoiding and Dealing with Thanksgiving Day Fires

Florida Public Adjusters" Tips for Preventing Space Heater Fires

Our Florida public adjusters know that as November draws to a close, residents are likely to bust out their portable space heaters for warmth. These seemingly innocuous actions unfortunately make the weeks that follow prime time for home heating fires to occur. For verification, just take a look at the National Fire Prevention Agency’s most recently reported figures. They indicate that there are typically more 50,000 heating related fires that occur each year. With that said, we thought it pertinent to list our Florida public adjusters‘ tips for preventing and dealing with space heater fires:

FL Public Adjusters’ Tip #1: Conduct an Equipment Check

Before the first frost on the citrus occurs, be sure to conduct a thorough equipment check. We’d suggest starting the process by making sure that your portable or fixed space heater is clean and in excellent condition. You’ll also want to test your building’s smoke and carbon monoxide monitors as well as its fire extinguishers. After all, they should all be in working order too.

Once that is done, stop by the Consumer Product Safety Commission or Safer Products’ websites. While there, conduct a brief search to ensure that the heater hasn’t been recalled since it was last placed into storage. If it hasn’t, it should be safe for continued, proper use. However, if it was recalled, we’d recommend discarding it and buying a new, safety certified heater.

FL Public Adjusters’ Tip #2: Prepare the Location

Afterward, survey and prepare the area where you plan on setting up your space heater. Ideally, it should be positioned in a level location that is free of flammable items and has good ventilation. You’ll also want to make sure that it isn’t in a spot where it could inadvertently get knocked over.

FL Public Adjusters’ Tip #3: Follow All Instructions

Once you’ve found the ideal spot and set the heater up, make it a point to follow all of the instructions that came with the unit. Otherwise, you could cause a fire as well as void the heater manufacturer’s warranty.

FL Public Adjusters’ Tip #4: Keep in Contact

Lastly, we’d suggest that you keep in periodic contact with us. That way, if a home heater fire does occur, we can help you settle your insurance claim quickly. To reach our Florida public adjusters year round, please call (877) 869-8989 or (516) 843-4040.

Florida Public Adjusters" Tips for Preventing Space Heater Fires

Public Adjuster in NY Discusses Cold Weather Related Water Damage

With the Farmer’s Almanac calling for another frigid winter, our public adjusters in NY wanted to take time out to discuss cold weather related water damage. Cold weather related water damage may be caused by several different situations. Either one of them may cost New York property owners a sleigh full of cash.

Situations that may result in cold weather related water damage include broken pipes, ice damming issues and natural floods caused by ice jammed rivers. Understandably, the damage may or may not be covered by one’s insurance policy.

Speaking of which, according to the Insurance Institute for Business & Home Safety’s figures, broken pipes in the winter can cost the average New Yorker $5,000 or more in property damage. Obviously, that’s not taking into account the other water damage scenarios we mentioned previously. They each come with their own astronomical price tags.

On a positive note, New Yorkers can take action to prevent some winter related water damage from occurring. They include adding insulation where needed, keeping the thermostat above 55 degrees Fahrenheit and draining water from unused pipes.

For those that may not have the funds necessary to add insulation, our public adjusters in NY would like to remind residents that there are resources available that may help. One of them is the Empire State’s Weatherization Assistance Program. It isn’t the only program available in New York either. Other winterization related services that New Yorkers may want to avail themselves of are the EmPower Program, HEAP and the Energy Star’s Assisted Home Performance Program.

If cold weather related water damage occurs despite one’s best efforts, it is also advisable to contact a reputable public adjuster in NY straightaway. Our public adjusting firm, for example, can help NY residents file cold weather related damage claims. We can also provide assistance in other ways. To learn more, please contact us at (877) 869-8989. Our public adjusters in NY would be happy to go over all of the details with you.

Public Adjuster in NY Discusses Cold Weather Related Water Damage

NY, NJ and FL Public Adjusters Talk about Mold Damage

Did you know that there are more 95,000 different types of mold worldwide?

It’s true.

Some of the molds grow outside. Others may grow inside of a building. Of the ones that grow indoors, approximately 100 may cause health problems to develop in humans. In addition, the mold spores can also damage a structure. With that said, our public adjusters decided to spend some time this week shining a flashlight onto mold damage and discussing how to handle it.

Let’s start with the basics. Research has shown that if conditions are right, mold can start to develop indoors in as little as 48 hours.

All mold needs to develop are the following:

• A temperature range between 40 degrees Fahrenheit and 100 degrees Fahrenheit


• A consistently damp surface or relative humidity above 70%


• A food source (manmade or inorganic)

Given that, it is very important to address any leaks or condensation problems that your home may have immediately. Otherwise, damage to your property will quickly ensue. Take stain and decay fungi for example. They are microscopic, fast growing and love to colonize deep inside of wet wood. Thus, the longer they are allowed to grow, the weaker your home’s wooden structures are apt to become.

The good news is that there are ways to remove mold from a property. However, those methods are apt to vary based on the type of mold. That’s why it’s often best to address the water problem first and then call in a mold specialist to take care of the cleanup. Depending on your insurance policy, the cost of the repair and cleanup may be covered.

That’s where the services of Equitable Public Adjusters & Appraisers’ public adjusters will prove to be beneficial. Our public adjusters have a track record of successfully assisting property owners with mold damage claims from start to finish. Thus, we’ll help you to make sure that everything, including any below-the-surface mold damage, is factored properly into your insurance claim.

To discover additional ways that our public adjusters can help with mold damage situations, contact us. We have public adjusters located in New York, Florida and New Jersey. To reach them for an initial consultation, call (877) 869-8989.

NY, NJ and FL Public Adjusters Talk about Mold Damage

Florida Insurance Adjusters Talk about Lightning Damage Claims

Did you know that according to NOAA’s latest figures, 468 people have been killed in lightning strikes that have occurred throughout the State of Florida since 1959? That’s the most of any U.S. state. Nationwide, the average number of annual fatalities is said to be 100. It’s also interesting to note that collectively, the entire nation’s lightning strikes result in approximately $5 billion dollars in damage each year. Here’s a closer look:

Because of its inherent nature, lightning damage is said to be caused by several things. The estimated 25,000 to 45,000 amps of electrical current and 50,000 degree Fahrenheit heat generated by each strike are two of them. Together, they can literally destroy a structure and its contents in no time at all. The good news is that Floridians can take steps to protect their homes from lightning damage.

One of them is to secure a homeowner’s policy that includes adequate lightning coverage. Based on historical data, we’d suggest looking for policies that offer at least $6,000 in coverage. That’s because according to the Insurance Information Institute’s latest figures, the average lightning related insurance claim tends to fall in the $5,000 to $7,000 range.

We should also mention that some insurance companies offer modest to substantial discounts to those that adopt certain security measures. Those measures include, but are not restricted to installing lightning protection systems and using surge protectors. Understandably, the discount’s availability and cost savings will vary based on a person’s unique circumstances.

For those Floridians whose properties sustain lightning damage anyway, there is another action that they should take. That action is contacting us. Our Florida insurance adjusters are experienced in handling lightning damage claims. Therefore, we can assist Floridians in every step of the recovery process. For more information on what our independent insurance adjusters can do, call (877) 869-8989.

Florida Insurance Adjusters Talk about Lightning Damage Claims

Public Adjusting Firm Discusses Theft Stats and Prevention Tips

One in every 14.4 seconds. Shockingly, that is the number of burglaries that the Electronic Security Association’s figures indicate occur every single day in America. Add that to the FBI’s historical figures, which estimate that more than $2,000 in property is lost during each event and it’s enough to give even mild mannered Americans heart palpitations. We here at the public adjusting firm of Equitable Public Adjusters & Appraisers understand those emotions because we’ve been handling theft and vandalism claims for more than 5 decades. That’s why we’ve compiled a few burglary prevention and response tips that Americans may find helpful. Here they are:

Public Adjusting Firm’s Tip #1 – Be Social Media Smart

According to a recent infographic published on Technorati, a large percentage of burglars are believed to be using people’s social media activity to develop their list of targets. With that said, think twice before you tweet, post, like, check-in or share. Otherwise, you could end up inadvertently sharing all of your hard-earned property with your area’s criminals too.

 

Public Adjusting Firm’s Tip #2 – Adopt Security Measures

It is also a good idea to consider adopting other security measures as well. For example, don’t leave your window blinds open or your windows unlocked. Contemplate installing security cameras, motion detector lighting and theft deterrent landscaping measures too. Such steps should at the very least make your home or business a less appealing target to thieves.

Public Adjusting Firm’s Tip #3 – Purchase Adequate Theft Insurance Coverage

Purchasing adequate theft insurance coverage and keeping your list of valuables updated are smart steps to take too. Speaking of lists, be sure to make several copies and put them into secure locations. That way, you’re likely to have an easier time obtaining the information when you need it. Places to consider storing the lists are built-in, fireproof, home safes and bank safety deposit boxes.

Public Adjusting Firm’s Tip #4 – Get to Know Your Independent Claims Adjuster

Lastly, we’d recommend that you contact us and get to know our independent claims adjusters. Together, we can assist you in assigning value to your property, filing a theft related insurance claim and settling matters with your insurance company. Unlike others that may try to contact you after a burglary, our public adjusting firm’s main focus is keeping your best interests at the forefront. To discuss the matter further, call (877) 869-8989 or send us an e-mail. We have offices in New York, Florida and New Jersey.

Public Adjusting Firm Discusses Theft Stats and Prevention Tips

Florida Public Adjusters Issue Hurricane Season Reminders

September and October have long proven to be the months that tropical storm activity starts to pick up off the shores of Florida. This year is apparently no exception. We’ve already seen Gabrielle and Humberto make headlines in September. One can only assume that as the season continues, they’ll have company. Because of that, our Florida public adjusters wanted to remind you of the following:

Florida Public Adjuster Tip #1: Review and Secure Policy Information

Be sure to review your homeowner’s insurance policy. During the review, look for the existence of tropical storm and hurricane related coverage. It is also a good idea to update asset lists. Afterward, make a copy of the policy and updated asset list. Then jot down our Florida public adjuster’s toll-free number on top of them. Once that’s done, place the copies in your hurricane evacuation bag or another safe location.

Florida Public Adjuster Tip #2: Review Emergency Equipment

Speaking of hurricane evacuation bags, make sure that yours is still well stocked. Double check back-up battery strength for any items that you’ll need in the event of a blackout too. This includes cell phones, USPS systems, generators, two-way radios and flashlights. You may want to review the FCC’s tips for phone usage during hurricane season as well.

Florida Public Adjuster Tip #3: Examine the Landscaping

When you are finished with the paperwork and supplies review, take a walk outside. Look at the landscaping and your outdoor living space. Consider trimming or removing any tree branches that could become missiles during a storm. While you are at it, contemplate securing or storing any loose items that could also take flight during high winds.

Florida Public Adjuster Tip #4: Remember You Have Options

Lastly, should your Florida property sustain storm damage, remember one thing. You don’t have to transact business with the insurance company on your own. Our Florida public adjusters can handle all of that hassle for you. For more information on how Equitable Public Adjusters & Appraisers can help with such tasks, contact us.

Florida Public Adjusters Issue Hurricane Season Reminders

Public Adjuster in NY Discusses Rebuilding Resources for Residents

Public Adjuster in NY

In mid-July, New York hosted a conference designed to address the state’s ongoing storm rebuilding efforts. As long-time NY public adjusters, we made it a point to pay attention to what occurred. With that said, here’s a look at storm recovery resources New Yorkers may want to avail themselves of now and in the future:

Storm Recovery Grants

Grants were one of the topics covered at the conference. The good news is that there is money available for both eligible residential and small business owners that haven’t fully recovered from previous storms. It is part of the New York Rising Disaster Recovery Programs that were recently put into place. However, funds are limited so those interested in taking advantage of the program should act quickly.

Storm Buyout Program

In addition, there is also a storm buyout program available for eligible New Yorkers as well. It is designed to help residents sell their properties and relocate to other areas. Like the recovery program grants, there is an application process involved and funds are limited.

NY Public Adjusters

Given that, residents would also do well to contact a Public Adjuster in New York. They can help New Yorkers recover after a storm in a variety of ways. Take our firm, Equitable Public Adjusters & Appraisers as a prime example. We can help New Yorkers seek equitable compensation from their insurance companies and point out additional resources like the ones mentioned above.

In addition, we can help re-open old NY insurance claims that may have not been settled fairly. Once the claims are re-opened, we can provide further assistance by trying to secure appropriate settlement on behalf of New York’s home and business owners. For a look at our track record in that regard, take a look at our list of recoveries. We are sure that New Yorkers will be impressed with our results. For example, one Hurricane Sandy victim was offered slightly over $9,794 in compensation. We stepped in and helped change that recovery figure to more than $45,000.

To learn more about what our Public Adjusters in NY can do to help hard-working home and business owners recover after a storm, contact us at (877) 869-8989.

Public Adjuster in NY Discusses Rebuilding Resources for Residents

Public Adjusting Firm Discusses Kitchen Fire Damage and Prevention

October is the type of month that brings several important holidays with it. One of them is National Fire Prevention Week. It tends to run from October 6th through October 12th. With that in mind, our public adjusting firm’s staff wanted to discuss kitchen fire damage and how to prevent it.

Scope of Kitchen Fire Damage

First, let’s take a moment to discuss the scope of the problem. According to the National Fire Protection Association’s research, four in 10 home fires can be traced back to the kitchen. And that figure obviously doesn’t take into account commercial kitchen fires. Based on FEMA reports, there are typically 5,900 reported commercial kitchen incidents that take place each year.

The resulting damage, whether the fire occurs at home or in a commercial establishment, can be devastating. Take for example some of the kitchen fires that have occurred recently across the country. One fire that took place in Massachusetts cost a Chinese restaurant owner an estimated $400,000. Thankfully, no fatalities occurred.

Tips for Preventing Kitchen Fire Damage

Understandably, kitchen fires may be attributed to multiple causes. However, some of the primary ones are greasy equipment or exhaust systems, unattended equipment, burnt food, chef’s error and faulty appliances. That said, two of the best preventive measures one can take are to keep everything clean and maintained. This includes your property’s smoke detectors and sprinkler system, if applicable.

Supervising the cooking process, having adequate fire insurance and keeping a fire extinguisher nearby are three other preventive actions that may help. Speaking of fire extinguishers, you will want to make sure that the one you purchase is the right class. Otherwise, you could inadvertently make the situation much worse. One of the ones to look for is a Class K. It is specifically designed to extinguish certain cooking related fires. Your local fire department’s volunteers should be able to explain the different classes to you and discuss which ones would be best for your home.

Tips for Handling the Aftermath

If a kitchen fire does ultimately occur, consider calling our public adjusting firm prior to filing your insurance claim. We can help you assess the damage caused by the kitchen fire and handle settlement negotiations with your homeowner’s insurance provider. To learn more about our public adjusting firm’s services, contact us at (877) 869-8989. We currently have public adjusters operating in the states of New Jersey, New York and Florida.

Public Adjusting Firm Discusses Kitchen Fire Damage and Prevention

Independent Claims Adjuster Can Help with Hail Damage Situations

According to NOAA’s data, each year Americans must contend with approximately $1 billion in hail damage. The damage involved is often caused by hail that is generated during hurricanes and severe thunderstorms. In many instances, the hail itself is smaller than 3 inches in diameter. However, over the years, there have been occurrences of hail much larger than that. Here’s a bit more information about hail and what to do if your property sustains damage:

Hail, as mentioned previously, can range in size, density and traveling speed. It is important to recognize that fact because all three play a role in how much damage the hail may cause to a structure. For example, previous research has shown that a 3 inch piece of hail traveling at 88 miles per hour will hit a surface with 120 pounds of pressure. A 2.75 inch piece of hail, on the other hand, may hit the same surface with 81 pounds of force. Now just imagine what would happen if either one landed on top of your home’s skylight. Once you do, you’ll have a pretty good idea of how our nation’s annual, reported hail damage may reach $1 billion or more.

This brings us to the best course of action to take in the event of hail damage. We’d recommend contacting an independent claims adjuster for several reasons. First, they can assist in surveying the damage and coming up with an unbiased repair estimate. This is exceptionally important considering the number of unscrupulous repair contractors that seem to surface after a hail storm. In addition, an independent claims adjuster can handle all of the lengthy and often complicated negotiations that follow with a person’s insurance company.

Those are just a few of reasons to hire an independent claims adjuster. To discuss the matter in detail, please contact us. Our Equitable Public Adjusters & Appraisers may be reached by calling (877) 869-8989.

Independent Claims Adjuster Can Help with Hail Damage Situations

Why Hire Public Adjusters in Florida – The Advantages of Working with Professionals

The professional public adjusters in Florida companies can help you file insurance claims to cover reconstruction costs if your property suffers damage by hurricanes, floods, fires, mold, plumbing leaks, theft, vandalism or any other disasters. These firms are hired by the owner of the property to compile and submit their case files, to negotiate with insurers and to obtain maximum compensation.

Florida is frequently hit by extreme weather events, so much so that these phenomena are gradually becoming “normal” for the region. Thunderstorms, tornadoes, wildfires, lightning strikes cause extensive damage to Florida properties all year around, and if the inevitable happens and your property is hit by one of these disasters, you will see yourself entangled in the complicated and tedious process of submitting your insurance claim to obtain the money for the reconstruction of your property.

The most reputable public adjusters in Florida will help you handle the claim process in a professional manner, representing your best interests in the negotiations with your insurer and fighting for you every step of the way until you get the compensation you are entitled to.

Insurance companies usually try to award the lowest possible compensation for policyholders; sometimes they even reject justified claims. In these cases, public adjusters can get your case re-considered by re-entering into negotiations with the insurer, and they will also provide expert advice at each step, giving you complete control over the entire claim process.

If you decide to turn to the help of the public adjusters in Florida, make sure you contact the right company; dedicated, reputable professionals are properly licensed and certified by the State of Florida and they hold multiple memberships in professional associations, to be able to keep abreast with the changes in applicable law and to serve the interests of their clients at the highest possible level.

Why Hire Public Adjusters in Florida – The Advantages of Working with Professionals

A Public Adjuster Will Work With Your Insurance Company to Resolve Your Homeowners Claim

After you file a claim with your homeowners insurance carrier, does it feel like it’s just you against a big corporation? That’s exactly what it is. The claims adjuster who comes out to investigate your fire, burglary or other property claim is usually a representative of a big financial conglomerate. A claims adjuster looks out for his corporate bosses, shouldn’t you have a public adjuster looking out for you?

Isn’t the insurance company on your side?

Of course insurance companies don’t market themselves as big corporate conglomerates. They talk about putting your family in “good” hands. They tell you it’s okay to be “human.” They say that they are “on your side.”

Insurance company songs and slogans convince you to hand over your premium dollars; but all that feel-good marketing is long gone by the time a big loss takes your family by surprise. That’s when you get a dose of big insurance company reality. That’s when you find out that there are two sides– yours and theirs.

That means you are on your own

After your home and personal property sustain unexpected damage you begin to see things clearly– you are the insured and they are the insurance company. They run things and you fall in line. Insurance company adjusters show up on their schedule. They tell you what to do with your property and personal belongings. You must put your life on hold while they decide what to do.

Insurance company adjusters toss out information on deductibles, coinsurance clauses, policy limits, and formulas for calculating your damages. Even if you’re a savvy policyholder, you may realize that you don’t know as much about insurance claims as you thought you did. It’s a bad time to be alone.

You Don’t Have to Handle it Alone

Organizations like United Policyholders have informative websites to help insurance consumers through those post crisis days. They offer a library of articles that cover many critical topics. That can make you feel a little better, but wouldn’t you feel less stressed if you had your public adjuster waiting with you when the insurance claims adjuster arrives?

Public Adjusters are There for You

Public adjusters follow a code of ethics approved by the National Association of Public Insurance Adjusters. They have claim backgrounds and insurance company claims training. They know how to work with insurance companies because they speak the same language.

Your public adjuster will report your claim to your homeowners carrier if you need him to. Once the insurance company is involved, your adjuster will make sure that the insurance company adjuster doesn’t walk all over you in his quest to satisfy his bosses.

You adjuster will do what insurance companies do, except he will do it just for you. He’ll review your policy, analyze your coverage, examine and estimate the repair costs of your property damage, help you with emergency measures, and walk you through any coverage issues. He will make sure the insurance company pays you what’s fair.

How Much Does a Public Adjuster Cost?

The beauty of hiring a public adjuster is that they only get paid if you get paid. Public adjusters receive a fee that’s based on the money they recover for you. That means you get to be the boss, but there’s no financial risk.

Contact us for more information on public adjusters and what they can do for you.

A Public Adjuster Will Work With Your Insurance Company to Resolve Your Homeowners Claim

3 Steps to Getting a Proper Public Adjuster in New York

Finding a public adjuster in New York isn’t a daunting task. There are certain tips to remember to find the perfect adjuster, but the right adjuster will fall under all the proper categories. A public adjuster is different because he or she works for the client and never for the insurance companies, which is why the client needs to double check that the adjuster can do the necessary job.

1. Check the NYPAA Member Directory. This directory lists every public adjuster registered in the State of New York. If someone states that their NYPAA membership is pending, redirect attention back to the list and pick someone from the list. NYPAA members have the experience necessary to properly work for the client and they keep themselves abreast of all updated information.

2. Check the references of the public adjuster. This can be done by asking the adjuster for references and by performing online rewiew searches. Ask others who they used for services. Talk to as many people as possible before moving forward. Using the professionals at Equitable Public Adjusters will guarantee the client works with an adjuster who has all the necessary qualifications.

3. After the search is narrowed to a few adjusters, perform interviews with each adjuster as if it were a job interview. Ask about past work, future plans, successes and failures. Make sure every question is answered and understood completely. This is the time to get a feeling for how the relationship will unfold. It is important to have an experienced public adjuster with whom the client feels comfortable.

Call Equitable Public Adjusters at 877-869-8989 now to find the perfect public adjuster services. It is a short process to find a public adjuster, but the process has many different steps. Equitable Public Adjusters will be the public adjuster who will help a client skip these steps and receive the best public adjuster. Contact us now to move forward with your case.

3 Steps to Getting a Proper Public Adjuster in New York

NJ Public Adjusters Can Help Superstorm Sandy Victims Find Relief

It has been almost a year since Superstorm Sandy brought tears, damage and frustration to more than 2 million New Jersey residents. However, by all accounts, her sad after effects remain. “What after effects?”, you may ask. Well, many New Jersey residents have yet to rebuild or restore their homes and businesses. For proof, just take a look at the recent pieces that appeared on ABC News and in some New Jersey newspapers.

So what went wrong? Why are there still so many homes and businesses left in disarray? Part of the reason may rest with insurance related issues and the sheer scope of the damage. For example, in Middletown Township alone, at least 62 properties sustained storm related damage in excess of $28.8K. Now multiply numbers like that across the state and you’ll quickly start to get a glimpse at why there’s still so much devastation to contend with.

Notice that I also mentioned insurance issues. Sadly, many of those impacted by the superstorm didn’t have adequate coverage or any coverage at all. Others are currently being forced to wrestle with their insurance companies over how much money is needed to make them whole. This has also led to lawsuits being filed on behalf of residents and business owners alike. Now that you have a pretty good idea of why New Jersey residents are still in such a fix, you may be wondering how such problems may be avoided in the future.

While it is true that we humans cannot control the weather, we can control how our insurance companies treat us after a storm. The ideal way to do that is to contact a NJ Public Adjuster. A NJ public adjuster is not on an insurance company’s payroll. He or she works solely on the behalf of the property owner. In addition, a NJ public adjuster does not receive compensation unless he or she is successful at advocating on the property owner’s behalf. Therefore, there is a good chance that the insurance claim will be settled fairly and without the need for expensive litigation.

Furthermore, NJ public adjusters also have the capability to advocate on behalf of property owners who have already settled their insurance claims. As such, they could feasibly assist victims of Superstorm Sandy in reopening their claims and seeking adequate compensation.

For more information about how NJ public adjusters can assist property owners after a superstorm, call 1-877-869-8989. We here at Equitable Public Adjusters & Appraisers have extensive experience in the field. Thus, we are more than capable of assisting Superstorm Sandy victims in New Jersey and New York.

NJ Public Adjusters Can Help Superstorm Sandy Victims Find Relief

Public Adjusters in Florida Can Help After Storm Surge Damage

Public Adjusters in Florida

Did you know that there are multiple areas nationwide that are prone to experiencing extensive storm surge damage? Several of them are located in South Florida because of the region’s geography. Those areas include Jupiter, Palm Beach Gardens and Palm Beach.

According to a recent study by the group CoreLogic, it is not uncommon for surges in those areas to reach 15 feet. Of course that is not even taking into account storm tides, which may be in excess of 20 feet at times. Together, they have the potential to cause an estimated $380 billion dollars in damages each year.

That’s not even the worse of it. In the State of Florida, many homeowners’ insurance policies are complicated to understand do not include storm surge coverage. Thus, South Florida’s property owners must often seek supplemental insurance elsewhere. Unfortunately, that supplemental coverage may also be limited and hard to understand. For example, some of the policies may not cover flood damage unless it impacts more than 2 acres of property and includes tidal waters.

At this moment, you may be wondering “What should South Floridians do in the event of a storm surge to ensure that they are made whole?” In short, the best option is to seek out the services of public adjusters in Florida. That’s because public adjusters in Florida make it a point to look out for South Floridians’ best interests after a storm surge. They can help you file your storm surge claim and fight for the maximum award allowed. Furthermore, they can also assist with the reopening of previous storm surge claims where you may have not been treated fairly.

To learn more about public adjusters in Florida and how they can help you recover after a storm surge, contact Equitable Public Adjusters & Appraisers by calling 1-877-869-8989. We have more than five decade’s worth of experience in handling storm related claims in Florida, New York and New Jersey.

Public Adjusters in Florida Can Help After Storm Surge Damage

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Visit Equitable Public Adjusters at http://www.equitablepublicadjusters.com