Greensboro Tornado Insurance Claim Advice Help Assistance 0

Greensboro Tornado Insurance Claim Help

Greensboro Tornado Insurance Claim – North Carolina: Shocking tornadoes trigger apparent physical and “visible” damage. Even so, most of these tornadoes result in considerable “hidden” problems as well. In both instances, policyholders could find themselves in a dispute with their insurance company over the damage. This will also include a dispute about the sum of money required to finish the claim repairs.

Recently, Greensboro, North Carolina suffered terrible damage on 4/18/2018. Prayers go out to the residents who lost family members, loved ones, and animals because of the incident.

Throughout a television interview even an insurance company adjuster advised that much of the insurance loss  damages as a result of tornadoes and tornadic behavior are likely to be unnoticed. Property owners must educate themselves and look for insurance claim guidance from professionals. Such diverse damages requires experience. Claim damage experts can detect slight damage that is often very costly. These hidden damages will frequently show up months or possibly years later once the increased wind gusts are long gone.

Unfortunate policyholders that have found their families in the path of an actual tornado acknowledge that most the damage isn’t that hard to see. Of course this fact is concluded by most individuals. Often, insurance companies and engineering firms will ignore unseen or concealed damages. It’s been found they simply do not investigate such claims carefully.

A thorough tornado property damage examination by a good insurance claim adviser or independent public insurance adjuster is recommended. Far too many policyholders take their insurance company’s  assessment, without obtaining another professionals personal opinion. Why do individuals continuously permit this to occur? Look after yourself along with your investment by identifying these advantageous tornado damage examination hints.

Plumbing: Tornadic activity could twist or shake a home or establishment. Policyholders will want to turn each of the faucets throughout kitchens and baths, and then open up and investigate any cabinetry to examine the plumbing lines for leaks. Proceed by flushing all toilets, run showers and fill up all tubs with water. Explore all the ceilings under these areas for water marks.

Roofing/Siding: At times an insurance property damage claim that is the result of elevated winds may not have appeared to cause damage to your roofing from the ground. However, it’s wise to use a knowledgeable to inspect the roof regarding fractures, gouges or tearing that impair the roofing shingles from flying debris. Tornadoes or excessive wind activity could also rip, gouge, and fracture various types of exterior siding. Such wounds regarding the exterior material and roofing could enable water infiltration.

Windows & Gutters: Wind activities and sailing debris can occasionally injure window panes, rip screening, fracture shutters, and displace or dimple gutters.

Brick & Foundations: Check brickwork and masonry for splits along with separation. Property damage by tornadoes or windstorms can also initiate displacement as well as uplift to footings and foundations. Observe the perimeter of all crawlspaces. Extreme building damages will often remain invisible.

Interior: Extreme storms could cause splitting to the edges of walls. This type of stress breaking could also be spotted in the vicinity of doors and window openings. It’s advisable to inspect for shifting of floors as well as the movements of walls utilizing a level.  It’s also strongly suggested to check out for water stains and fungus on walls and ceilings after a few weeks and months. These sort of marks could indicate shingle damage.

Insurance providers and several engineering firms have even been charged regarding their inability to find some of these forms of tornado and wind damages for property damage claims after increased wind activity and tornadoes. CNN reports; State Farm Penalized in Suit Over Tornado Claims :

State Farm acted “recklessly” and “with malice” in handling insurance claims from dozens of families whose homes were damaged when a wave of tornadoes, including the strongest in recorded history, swept through Oklahoma in 1999, a jury has decided. The verdict…delivered millions to the lead plaintiffs… The jury in the District Court of Grady County, Oklahoma, awarded Donald and Bridget Watkins almost $13 million in total damages for their part in the class action suit against the nation’s largest insurer….

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Greensboro Tornado Insurance Claim Help NC

You’re all well aware, that storms including intense winds of 130 mph to 135 mph (as found within the Greensboro, NC tornado) – makes for hazardous conditions. In addition, tornadoes that do not ultimately “touch-down” will frequently trigger distressing pressure on residential and commercial components. Significant gusts of wind will frequently move and rack structures triggering fasteners and construction items to become displaced.

Find an insurance loss expert or independent public insurance adjuster to inspect your property or building to be sure all damages are considered. Feel free to contact For The Public Adjusters, Inc. at 919-400-6440 to acquire FREE Greensboro Tornado Insurance Claim Advice, Help, and  Assistance.

Related Greensboro Tornado Insurance Claim Damage Information:
Storm Damage Jury Awards Homeowner $72K
Private Adjuster In NC Increases Business Claim Settlement By $136K
How A Public Adjuster Can Help Get A Fair Claim Settlement

(C) For The Public Adjusters, Inc. is a North Carolina based Public Insurance Adjusting Firm. Feel free to contact us about any insurance claim issue you may be experiencing.We will answer all your claim question FREE of charge. NO Sales Pitch, No Pressure, Just Answers!
Call 919-400-6440 or request your No Cost, No Obligation Claim Review by filling out the FREE Consultation form.

For The Public Adjusters, Inc.
Serving NC, SC, VA
Ph: 919-400-6440
Fx: 919-578-5567
info@forthepublicadjusters.com

Storm Damage Claims Issues Hurricane Irma Victims Still Waiting On Insurance 0

Storm Damage Claims Help

Storm Damage Claim Help NC: Be it wind damage, hail, tornadoes, or hurricane damage to your home – insurance companies just don’t want to pay what you are entitled to. We have been explaining this to policyholders for years.

Here is two additional policyholder stories by Wink News showing how unreasonable and thoughtless insurance carriers really are. Don’t be a victim of their delay, deny, defend game. Get answers to your storm damage claim questions at NO COST. 919-400-6440

After Hurricane Irma homeowners struggle with damage, collecting from insurance

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Storm Damage Claim Help

Holes in the roof, mold and water damage in the walls, and homes left unlivable are some of the issues still plaguing owners waiting for their insurance claims to come through after Hurricane Irma.

Homeowners still struggling

Melissa Gonzalez and her husband saved for three years before finally being able to buy their first home. They wanted to give their daughter a backyard.

“It was a really high accomplishment,” she said.

But days after they closed on their new home, Hurricane Irma hit Southwest Florida.

“It was horrible. I couldn’t — I cried. Pulling up [to the new home] I cried,” Gonzalez recalled. “My rear neighbor’s tree was in my roof.”

Gonzalez’s homeowner’s insurance is with United Property and Casualty. A claim adjuster came out and estimated her damage at $11,074. Knowing that wouldn’t be enough to fix the damage, she says she hired a public adjuster who estimated her damage at $94,268.

“It’s literally a kick to the gut this insult to injury, honestly it really is what it is,” she said.

About 20 minutes south of Gonzalez, Joan Gordon was also waiting to repair her home. She had been living without air conditioning since the hurricane.

“I’m still getting rain dripping in,” Gordon explained. “I have to put basins down which means if the rain is dripping down, it’s also dripping across.”

Her insurance company, Tower Hill, offered a claim amount Gordon said fell short of what contractors wanted by tens-of-thousands of dollars.

“I am just flabbergasted by the fact that you can pay your insurance premiums in good faith, something like this happens, and you feel you’re protected and then you’re just told that you’re not,” she said.

Who Can Help?

The state’s Department of Financial Services, run by Florida’s Chief Financial Officer Jimmy Patronis, offers some relief.

“It is our job as the state’s first point of contact when it comes to insurance claims to help get those claims settled to the satisfaction of both parties,” Patronis said.

Consumers can submit insurance complaints to his office and it will assist in getting disputes settled, at no cost.

LINK: How to file an insurance complaint

Since Hurricane Irma, the state has received 1469 complaints against insurance companies. Claim handling delays tops the list at 844 complaints. Claim denial came in second at 170 complaints.

Policy holders also have options with mediation and legal representation. Florida law allows for at least a portion of legal fees to be recouped if insured is forced to file a lawsuit.

Fighting for Claims

Gonzalez says she filed a complaint with the state in January and did receive a new adjuster. But she says no settlement could be reached and she’s back to square one.

“I mean we paid for it, why can’t we get what we need?”

WINK News reached out to UPC for a comment and have not heard back.

Gordon never filed a complaint with the state but instead called an attorney. Just this month Gordon finally got a check in the mail for enough money to start her repairs.

We reached out to her insurance company, Tower Hill, and they sent us this statement:

“Unfortunately, due to privacy rules and regulations we are unable to comment on specific claims; however, we will review Ms. Gordon’s concerns and will be in touch with her directly.

Not in relation to Ms. Gordon’s claim, but sometimes an insured with a claim may feel as though the amount paid was not the full amount requested or estimated; however, upon review of the documentation it may indicate payment was for actual cash value or otherwise depreciation was withheld from the claims payment. Often times, and depending on the type of policy purchased, the full replacement cost will be paid once repairs are completed and documentation is forwarded to the insurance carrier.”

–Scott P. Rowe
General Counsel, Tower Hill

Other Related Public Adjuster Stories:
Fire Claim Policyholder Burned By Insurance Process
Water Damage Insurance Claim Jury Awards Homeowner $1.3 Mil
Hail And Wind Damage Jury Awards Homeowner $72k

 

(C) For The Public Adjusters, Inc. is a North Carolina based Public Insurance Adjusting Firm. Feel free to contact us about any insurance claim issue you may be experiencing.We will answer all your claim question FREE of charge. NO Sales Pitch, No Pressure, Just Answers!
Call 919-400-6440 or request your No Cost, No Obligation Claim Review by filling out the FREE Consultation form.

For The Public Adjusters, Inc.
Serving NC, SC, VA
Ph: 919-400-6440
Fx: 919-578-5567
info@forthepublicadjusters.com

SEVERE FLOODING to Continue Throughout Week From OHIO To TEXAS 0

Flooding West Virginia

Torrential rains from today, Sunday 2/18/18, through Thursday 2/22/18 is expected to flood many states from Cleveland Ohio to Houston Texas.

AccuWeather Chief Meteorologist Elliot Abrams reports, “Some locations have already received, or will receive, more than a month’s worth of rain from a single storm,”

AP PHOTO – Steve Helber:  Mark Bowes, of White Sulphur Springs West VA., makes his way to the road as he cleans up from severe flooding. A deluge of 9 inches of rain on parts of West Virginia destroyed or damaged more than 100 homes and knocked out power to tens of thousands of homes and businesses so far.

See the full story below from Accuweather.

By Alex Sosnowski, AccuWeather senior meteorologist
February 18, 2018, 8:43:39 AM EST
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Flooding Severe Feb 2018

Relentless rounds of rain from the lower Red and Mississippi river valleys to the central Appalachians will elevate the risk of both small stream and river flooding into the end of February.

The risk of flooding has not ended with the rain from Feb. 15-16.

Additional storms will ride northeastward from the western Gulf of Mexico and the southern Plains on a path for the northeastern United States for the rest of the month.

Static Long Range Flooding Risk

“Some locations have already received, or will receive, more than a month’s worth of rain from a single storm,” according to AccuWeather Chief Meteorologist Elliot Abrams.

From a cumulative aspect, there is the potential for 5-10 inches of additional rain to fall on some communities from the middle to the end of February.

“Since the ground is already saturated in some locations and will have little time to dry out between storms, each dose of drenching rain will renew the risk of urban, small stream and river flooding,” Abrams said.

Following the rain event from this past Thursday alone, the upper Ohio River remains at moderate flood stage.

The Tennessee River at Savannah, Tennessee, is projected to remain at moderate flood stage through most of the upcoming week based on rain that has already occurred.

For some of the larger rivers, such as the Ohio, the period where levels may remain above flood stage may continue through the end of the winter and into the spring. Elsewhere, across the Northern states, snowfall that melts may add to the flood risk.

The threat may expand to new territories that have not yet had the risk of flooding this year, including portions of Texas, Arkansas and Oklahoma.

Flooding Feb 18

Low-lying areas as far south as central Texas, as far north as the central Great Lakes and as far east as the mid-Atlantic and southern New England may dabble with high water at some point over the next couple of weeks.

The first heavy rain event on the horizon is expected to unfold from eastern Texas and Louisiana to the Great Lakes during the first half of the new week.

Small streams that run through hilly or urban areas will be at greatest risk for rapid flooding. Meanwhile, low-lying, unprotected areas along the major rivers are likely to experience a few rounds of high water.

People living in these areas should closely monitor the situation, take precautions and be prepared to move to higher ground if necessary.

Motorists who journey along low-lying areas of streams and rivers should be prepared to take an alternate route.

RELATED: 
5 dangers to be aware of after a flood strikes
Preparing for the costliest weather disaster in the US: How to stay safe before, during and after a flood
Expert tips for preventing mold growth or remediating mold in your home after a flood

At the very least, the wet weather pattern will lead to slow travel. Motorists should expect poor visibility, excess water on the roads and heavy rain hitting the windshield. Allow extra time to get to your destination.

Never drive through flooded roadways. The water may be deep enough to stall and sweep a vehicle away. The road beneath the surface may have been washed away.

The fog and low cloud ceiling that often accompanies the rain is likely to lead to airline delays.

The repeating rainfall will also raise the risk of mudslides and other debris flows in hilly areas and through cutouts in the mountains of major highways.

Meanwhile, in the Southeastern states, the bulk of the rain will be screened out by the southern Appalachians and blocked by a large area of warm and dry aircentered off the Florida coast. However, occasional showers and thunderstorms may survive the eastward trip over the next couple of weeks.

 

 

(C) For The Public Adjusters, Inc. is a North Carolina based Public Insurance Adjusting Firm. Feel free to contact us about any insurance claim issue you may be experiencing.We will answer all your claim question FREE of charge. NO Sales Pitch, No Pressure, Just Answers!
Call 919-400-6440 or request your No Cost, No Obligation Claim Review by filling out the FREE Consultation form.

For The Public Adjusters, Inc.
Serving NC, SC, VA
Ph: 919-400-6440
Fx: 919-578-5567
info@forthepublicadjusters.com

Can A Public Adjuster Obtain Higher Compensation For Property Damage Claim 0

Damage Claim Help North Carolina

Insurers In General Will Always Try To Outwit You And Low-Ball Your Damage Claim

There is a perception that most insurers try to outwit and outsmart their clients during the damage claim process. At the time of settlement from serious property damage claims like fire, a broken water pipe, or heavy  storms, carries will attempt to pay out as little as possible. Most would agree that there is at least some degree of truth in this perception. Arriving at an amount objectively can be very difficult. Especially when there is no immediate precedent or a basis for arriving at the figures.

Relative inexperience, lack of time, fear of having to settle the case in court in case the insurer refuses to budge and prolonging the whole process, among other considerations makes victims accept whatever little is offered as a one-time payment towards the damage claim. Over and above, insurers and claims adjusters will often attempt unsuspecting clients to sign documents that make them willingly accept that the insurer is not liable to pay an amount beyond what it is offering for the damage claim settlement. They may even try to establish that the amount to settle the claim is below the deductible of your policy. Deductible is an amount that you accept to bear at the face of a loss.

How Do You Fight This Low-Ball Damage Claim Process? Do You Need A Public Adjuster?

Public Adjusters are professionals who interpret the terms and legal clauses of your insurance policy. They are licensed to deal with the insurance company adjuster on your behalf and make every effort to get you a fair damage claim settlement. When insurers attempt to pay partially for claim damage and refuse to restore your house to pre-damage condition, a public adjuster can step in and get the claim amount you deserve. Remember, you have every right to demand that your house be restored to the pre-damage condition, provided your policy covers for it.

Typically, a public adjuster may be compensated 10-30% of the settlement amount. They position themselves as professionals who look after the interests of the policyholder rather than the insurance company. Since their own interests are involved by being compensated on a contingency basis, like an attorney, they always try to get the policyholder the maximum amount permissible under the law and the individual’s terms of the policy.

If you are claim difficulties you should consider speaking with a Public Adjuster. Every industry has scrupulous individuals. Conduct thorough research and probe into their website. Ask for references, research the local DOI for complaints and ask to see a copy of their valid license. A public adjuster is the best way to obtain the amount you truly deserve for your damage claim. So, why would you waste time and potentially forfeit thousands of dollars to your insurer?

Your Insurance Company Has An Adjuster, You Should Too!

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Damage Claim Help NC

RELATED:
Fire Claim Policyholder Burned By Insurance Process
NC Public Adjuster Assists With Denied Insurance Claims

(C) For The Public Adjusters, Inc. is a North Carolina based Public Insurance Adjusting Firm. Feel free to contact us about any insurance claim issue you may be experiencing.We will answer all your claim question FREE of charge. NO Sales Pitch, No Pressure, Just Answers!
Call 919-400-6440 or request your No Cost, No Obligation Claim Review by filling out the FREE Consultation form.

For The Public Adjusters, Inc.
Serving NC, SC, VA
Ph: 919-400-6440
Fx: 919-578-5567
info@forthepublicadjusters.com