HCE026 Homeowner Insurance Claim Kit - Fire Damage
HCE006 Homeowner Insurance Claim Kit - Water Damage
"Do-it-Yourself" Homeowner Insurance Claim Kits.
February 8, 2010
El Nino to Influence the 2010winter so be prepared to file a homeowner insurance claims…Do you understand the insurance claim process? We do, and that is why we are:
Your Advocate in Property Damage
Homeowner Insurance Claims
Another Storm Headed for the Mid Atlantic and Northeast...Mudslides out West!!!
Our Homeowner Insurance Claim Kits… weredesigned just for you. Creating an unbelievable paper trail that really works. These claim kits document your claim from start to finish by following the roadmap.
Avoid public adjuster fees that could cost thousands of dollars by negotiating yourself. You can always hire a public adjuster or private adjuster after you collect the lion share of money first.
After all, it’s your money and property
We are speaking about here…right!
SAVE TIME & MONEY
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Can you really trust insurance companies to do the right thing these days? They manipulate the system by having engineer’s, attorneys, contractor’s and adjuster’s play by their rules. They understand how to play the claim game!!!
Whose interest is really being protected here…
NOT YOURS!!!
Fire Damagehomeowner’s look for a cheaper source of heat this winter.
A kerosene heater, electric space heater or a dirty chimney flu can often be the cause of a house fire.
Following safety precautions may prevent fire damage. Avoid using extensions cords that are to long when only a few feet are needed. Place kerosene heaters in areas that they will not get knocked over, and in a well ventilated space.
Make certain to get your chimney inspected and cleaned every year. A cracked chimney flu can cause a chimney fire to erupt suddenly because of the distances and clearance space surrounding combustible building materials.
Kitchen grease fires are common so make sure you have a fire extinguisher or baking soda ready. Never use water to extinguish a grease fire.
Smoke Damage from oil fired furnaces for our friends in the northeast region of the United States need to make sure that their heaters are serviced every year.
Puff backs as they are called in the industry, can cause a huge amount of damage to your home and personal property. The majority of the time this type of property damage will require replacement...instead of a cleaning!!!
Most staff adjusters, independent adjusters and insurance appraisers who represent the insurance company will suggest cleaning your property.After all, saving money, denying claims, and offering low ball settlements is the reality of corporate America today.
Coastal Flood - River Flood Damage, can occur directly after severe snow storms, blizzards, and Nor’easters. We are talking about feet of snow… not inches.
It is common for these types of storms to dump 2-3 feet of snow in a large geographical area. When a rapid melt down occurs then streams, creeks, street sewers and rivers often flood. Just remember that every homeowner policy sold on the market denies flood damage. That is right. You must have a Flood Policy in order to be compensated for flood damage.
If you sustain damage from a flood and are not properly insured then contact FEMA right away. It's important to understand that federal programs and grants are available for people that need help.
Ice Dammingcan cause roof leak damage. This occurs when the gutters to your home are clogged with debris. This debris can be leaves that were never cleaned out in the fall months, or even ice build up when temperatures fall below freezing, creating an ice dam whereby the roof snow backs up the roof and leaks in through ceilings and exterior walls.
If this occurs you need to mitigate water damage immediately. Calling a water damage restoration contractor is very important. You need to understand the dangers of mold.
Wind Damage to roofing and siding systems can occur and you need to understand the arguments that take place with these types of claims.
Direct physical damage v. full replacement cost benefits when the area of damage compromises the entire system as a whole entity as originally installed.
Wind driven rain is only covered in open peril polices; therefore, openings from wind force must be present. You the insured have the burden to prove your loss.
Hail Damage during the winter months is most likely to occur to our friends living in the southern part of the United States. Hail is usually associated with violent thunderstorms. Hail can damage roof tops, exterior siding, heating - air conditioning units located outside and outdoor patio furniture that is not fully protected.
Freezing of a Plumbing System often occurs when a cold artic air mass comes through an area. Burst frozen pipes produce an enormous amount of water damage that can destroy a home.Make certain that any and all plumbing pipes that run through attic areas, soffit exterior walls are insulated and draft free. If uninsulated plumbing or heating pipes are exposed to a cold artic air mass and a wind chill draft , then chances are pretty good that a frozen pipe will develop.
Theft Claim, make certain you understand about scheduled personal property when theft occurs. Most property owners do not realize that under the theft peril in most insurance policies there are standard policy limits. Gun collections, artwork, jewelry, coins, important papers might have $2,500.00 - $5,000.00 worth of coverage when a theft occurs. Check with your insurance agent regarding your particular needs just in case a theft does occur.
Vandalism, there are times when property damage occurs from unknown vandals, disgruntled tenants that were evicted with the intent to cause damage. In addition, vandalism to your sewer line which causes a blockage can cause a toilet or a laundry tub to over flow. Water that escapes from within a sewer line - drain line is normally classified as GREY Water.
Never allow the insurance company to make your claim for you.
It’s Your Money & Property We Are Speaking About!
You really can’t afford not having this Fantastic 9 Step check and balance system that was designed just for you! Keeping Insurance Adjusters diligent making sure you get everything that you deserve.
Our 9 Step Homeowner Insurance Claim Kits are very specific to the type of damage you may have sustained and are ABSOLUTELY worth the price. You really should check them out avoiding public adjuster fees that could range in the thousands of dollars. HomeownerInsuranceClaim Consulting Service…if you need an immediate opinion regarding property damage then we offer up a consulting service. Click here Our opinions from 18 years of public adjuster experience and knowledge. Insurance companies & Mortgage companies do not make it easy to process an insurance claim for the named insured.
Insurance Estimating Service…If you need a unit cost property damage insurance estimate for your home or personal property then we can help.
Insurance AppraisalService… there are times when pricing disputes develop and you just can’t agree on the settlement amount that your insurance company is willing to offer. Often there are times when property owners may need to use the ‘Appraisal’ provision listed in most insurance policies under SECTION 1 - CONDITIONS.
We can provide this type of service for you through our national appraiser's network. Click here
Need an Attorney…when insurance companies deny coverage then it is our opinion that you hire an attorney to defend your claim. Our claim kits document your claim file through the entire process. If you think you need an attorney that specializes in Bad Faith litigation, then check out our national network that we are currently developing for consumers throughout the United States.
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FREE MOLD REPORT... ACT NOW!
Understand the Dangers of Mold...
'Why are insurance companies denying mold claims?'
That's Right... we guarantee that you will understand the claim process better than you ever have or your money back!
We will email your claim kit in a PDF file... it's that easy!!!
