Insurance Claims Help & ServicesFor Insurance Claim Disputes, Independent Appraiser, Insurance Appraisal Process, and Appraisal Umpire Services!

As you may know, with severely high winds, we could end up with lots of damage to our home and increase insurance damage claims. These high winds will send almost anything blowing into almost anything else. It can send your lawn furniture through your windows on your home or even your car windows. It could send trees or tree limbs flying in all directions. These high winds can make it hard for motorists to drive with heavy air flow under their cars and trucks making travel difficult and dangerous. It will likewise make it hard for people to walk in these high winds.

With high winds and all of the tree limbs being blown down, these limbs could land on power lines, causing them to break and send sparks to anything close to them. These sparks could start a fire if they land on your home or even the dry leaves in your yard. These broken tree limbs would most likely come off dry, dead trees and then breaking the power lines will quickly burn as they hit the ground. This fire landing on something else will set that item on fire. If your grass is very dry, it will start to burn and close enough to set your home on fire and increase insurance damage claims.

Hurricanes and tornadoes also have severe high winds and these will cause all kinds of wind damage claims and insurance damage claims. This damage can be for miles in all directions. As these hurricanes and tornadoes don’t have to be right on top of your property to cause wind damage, you might not even be in their direct path, but you will feel the effects of it. If your home is in the direct path of a tornado or hurricane, it could completely destroy your home and send it everywhere. These high winds could send your vehicle into a tree several blocks away. People are surely at risk in addition to they can send you flying too. You might live, but you could be hurt really bad.

High winds that come with storms are many times accompanied by wet weather as well. Rains can become torrential and cause flooding in many instances. When rain is accompanied by high winds, the rain can come down hard and fast causing streams and other waterways to rise quickly. This is when there Is usually flash flood threats. You should keep close track of your television or radio when thunderstorms are expected so you will be ready in the event of flash flooding and the high winds.

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To the highest degree all people purchase an insurance policy  – whether it is homeowners insurance or another – without reflecting much about what they are actually purchasing. The most common thing is the premium or the cost one pays. Premium is the biggest cause of the insurance coverage purchase that seems to concern most people. When it comes to other basics of the insurance product people buy, the concerns are usually absent. Many purchasers seem to think that the policy we shop for is the same, no matter which company you buy it from. This attitude is based from a fundamental misunderstanding of what an insurance product is – and how the insurance underground is functioning. It can also cause insurance disputes.

Of course it is of the utmost importance not to pay more for any insurance products than is necessary. However, on occasion we are unaware of the coverage we have with our property until we file a claim. That is when you discover that there was not an efficient amount of coverage available for the loss. Unfortunately, many people find this out after it’s too late. Such large loss claims like fire or flooding can lead to very costly repairs in the tens of thousands and even hundreds of thousands of dollars. Owners of motorcycles, boats or motor-homes can be surprised to learn that neither their homeowners policy nor their auto insurance policy covers them for any damage affiliated with such property.

Non-traditional (or inland marine as some are called) policies is a custom sector of insurance. Such type of insurance deals with property and items that would not traditionally fall under the typical property or automobile insurance policies. Such items include boats, snowmobiles, ATV’s and non commercial watercraft. You will find that your current insurance company does not issue coverage for these types of goods, in this case you should inquire about a specialty insurance company.

Accidents happen, be it in your home, car or even riding our ATV. By making sure you have adequate coverage we can prevent a small accident from causing a financial nightmare. Imagine having a large fire or tornado claim that cost $250,000… and only being covered for $150,000. We encounter such tragic events everyday when we assist families with their insurance disputes. Educating yourself about your policy can protect you from costly situations at a later date.

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What damages can a tornado cause to policyholders?

Based from Wikipedia, a tornado is “a violently rotating column of air, in contact with the ground, either pendant from acumuliform cloud or underneath a cumuliform cloud, and often (but not always) visible as a funnel cloud. The word “Tornado” comes from the Latin word tonare meaning “to thunder”. Tornadoes are commonly known as twister for many.

When hot air and cold air are mixed, the clouds grow larger and larger. Finally, a thunderstorm is brewed up with a strong updraft. The moisture in the warm air rises and condenses into large clouds which form different kinds of tornadoes. Most tornadoes take on the appearance of a narrow funnel, a few hundred yards (meters) across, with a small cloud of debris near the ground. Tornadoes may be obscured completely by rain or dust. These tornadoes are especially dangerous, as even experienced meteorologists might not spot them. Tornadoes can appear in many shapes and sizes.

Tornadoes are known to be one of the most unpredictable forces of nature and the only warning you might get is the dark clouds you see coming your way. Tornadoes can bring devastations which can bring burdens to many people. It can destroy building and anything in its path, bring death, flooding, hail damage, wind damage that can reach to almost 140 mph and lastly, tornadoes can also cause fire.

There are also instances wherein, not only people and building get destroyed. But also, it gives bad effects in our own surroundings. Many trees can to be uprooted and killed. Thus, this contributes to global warming as the trees take in carbon and dioxide and gives out oxygen during photosynthesis. The ecosystem will become imbalanced as the animal population would most likely be wiped out. Dirt and debris from the damaged and collapsed infrastructures and buildings will circulate in the environment, resulting in pollution.

Many would say that areas near rivers, lakes, and mountains are safe from tornadoes. Myths like this are basically not true. No place is safe from tornadoes. In the late 1980′s, a tornado swept through Yellowstone National Park leaving a path of destruction up and down a 10,000 ft. mountain. One would also say that windows should be opened before a tornado approaches to equalize pressure and minimize damage. But actually, opening windows allows damaging winds to enter the structure. Leave the windows alone; instead, immediately go to a safe place.

Each year, many people are killed or seriously injured by tornadoes despite advance warning. Some did not hear the warning while others received the warning but did not believe a tornado would actually affect them. Being prepared could save your life in the event a tornado threatens your area. After you have received the warning or observed threatening skies, YOU must make the decision to seek shelter before the storm arrives. It could be the most important decision you will ever make.

If you need help with a tornado damage claim or tornado damage claim help, visit the websites listed below or call us at the number below.

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Everyone Should Consider Flood Insurance!

Flooding can occur near rivers, when flow exceeds the capacity of the river channel, particularly at bends or meanders.  The type of land that is prone to flooding are broad and flat usually situated on the banks of a river or main waterway. Rivers that flood are regarded in three different stages. Water comes off the mountains, eroding the beds and banks of the river as it flows. This type river travels through broad valleys which slows the current of the river down. If the current is slow it will transport less material down the river. Little if not any erosion takes place most of the material that is carried in the current is suspended and deposited to the form a flood plain.

Floods often cause damage to homes and businesses if they are placed in natural flood plains of rivers. While flood damage can be virtually eliminated by moving away from rivers and other bodies of water, since time out of mind, people have lived and worked by the water to seek sustenance and capitalize on the gains of cheap and easy travel and commerce by being near water. That humans continue to inhabit areas threatened by flood damage is evidence that the perceived value of living near the water exceeds the cost of repeated periodic flooding.

The word “flood” comes from the Old English flood, a word common to Germanic languages (compare German Flut, Dutch vloed from the same root as is seen in flow, float; also compare with Latin fluctus, flumen). Deluge myths are mythical stories of a great flood sent by a deity or deities to destroy civilization as an act of divine retribution, and are featured in the mythology of many cultures.

What causes floods?

Flooded areas of land usually start off as very dry land. Floods are caused by heavy rains that pour too much water into rivers and other waterways, making these natural channels unable to carry all the water. Rising water flows over or breaks the banks to the waterways causing the surrounding land to be flooded. Different causes of floods can come from masses of snow melting of tidal waves.

What do Flood insurance companies give?

Insurers in the United States do not provide flood insurance coverage due to the hazard of flood typically being confined to a few areas. As a result, it is an unacceptable risk due to the inability to spread the risk on a wide enough population to absorb the potential catastrophic nature of the hazard. In response to this, the federal government created the National Flood Insurance Program in 1968. Wherein found that 33 percent of U.S. heads of household still hold the false belief that flood damage is covered by a standard homeowner’s policy. FEMA states approximately 50% of low flood zone risk borrowers think they are ineligible and CAN NOT buy flood insurance. Anyone can buy flood insurance as long as their community participates in the NFIP, even renters.
If you are eligible, you must purchase a separate flood insurance policy through an insurance company that participates in the National Flood Insurance Program (NFIP). Flood insurance is available for residents of approximately 19,000 communities nationwide.

Flood insurance actually denotes the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands and floodplains that are susceptible to flooding.

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Unexpected events really do occur, in spite of our natural tendency to anticipate or prevent them. Dealing with damages caused by fire, water or tornadoes is one of those unpredictable incidents. Due to their foreseen nature, such events are the most alarming and destructive, both from a financial point of view and from a generally human one. Flooding, due to astronomically influenced phenomena such as high tides frequently coinciding with the occurrence of heavy rainfall, while fire damage mainly occurs in deadly combination of grease, open burner fire, water and electricity that causes heat combustion. In most cases, these incidents can be accidental, or involuntary, even premeditated.  Where Tornadoes are more unpredictable.

Unfortunately, once the damage is done, there is no turning back. Fire damage, water, flooding, and tornado damages are usually covered under most insurance policies. Some insurance companies give you the feeling of protection, but wen you need them the most, they fall short of providing the services and coverage you believed you had.  Many policyholders unfortunately find out too late that they are NOT… “In good hands,” there is NO… “Like a good neighbor,” and there is NOT… anyone “On your side.”

Many insurance companies have been know under estimate the damages associated with fire damage, flood damage, and tornado damage. This is know in the industry as “low-balling.”  It’s essential that a proper repair is carried out on your property, so all traces of damage associated with the insurance claim will be fixed.  You have paid to have all damages repaired by a professional contractor to a pre-loss condition. Many insurance companies will use engineers to “sister,” beams or trusses, using the “band-aid,” approach. Prior to the loss you did not have a repaired or sistered beam, you had a full, undamaged beam. The policy you purchased provides you with a repair to a pre-loos condition. Prior to the fire, flood, or tornado you did not have a band-aid… and you should be sure you do not have one after.

If you have suffered a fire damage claim, a water or flood claim, even tornado damage, you may find yourself fighting with your insurance company on the repairs. Your insurance policy can actually protect you via the Insurance Appraisal Clause. Get free information and insurance advice on how to use an independent appraiser to settle your insurance claim dispute by visiting Insurance Claims Group, Inc. or Insurance Appraisal Process .com

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Independent insurance appraisers provide an unbiased evaluation of claim damage based upon what the policy provides. Individuals and businesses purchase insurance policies to protect against monetary losses. In the event of a loss, policyholders submit claims, or requests for payment, seeking compensation for their loss. When a disagreement on the amount the repairs will cost arises; each party can hire an independent appraiser via he insurance appraisal clause.

Their main role is to investigate claims, negotiate settlements, and reach an agreement on the amount of loss. Some even investigate claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine how much the company should pay for the loss. They may consult with other professionals, such as accountants, architects, construction workers, engineers, lawyers, and physicians, who can offer a more expert evaluation of a claim. The information gathered—including photographs and statements, either written, or recorded audio or video—is set down in a report that is then used to evaluate the claim.

When is the right time to hire an independent appraiser?

An independent appraiser is not needed until you actually have a dispute. Most of the time an independent appraiser is needed hen serious damages occur from fire, floods, earthquake,tornados, lightning strikes and hail.  If you want an independent opinion or are having problems collecting money on your loss, you can consult with an Independent Insurance Appraiser to determine if you should consider the appraisal process.

If you find your self in this unfortunate situation, Insurance Claims Group, Inc. provides a Free Insurance Claim Review.

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Not only are people confused about lightning strike damage claims, many do not even realize that their insurance policy covers lightning strike damages. Lightning can damage the electrical system, cause damages to roofing and framing, can penetrate and damage brick chimneys, and can enter a building and damage finishes like carpet, tile, walls, cabinets, and more. Lightning can also tople trees that fall on homes and buildings, and worse, cause serious fires. It’s bad enought to have had  damage caused by lightning, without having to fight with your insurance company about the damages.

Lightning usually strikes the highest elevation above the ground, but can “run” or jump to adjacent objects, such as houses, power lines, or even people or animals. Most lightning strikes enter homes and buildings through the electrical system. Such strikes can cause a multitude of issues to your home or building… that are sight unseen. Insurance compaies are infamouse for leaving unseen damages out of their estimates. If they can’t see it, they’re covinced it must not be damaged. Lightning can damage underground water lines, underground electical systems, sprinkler systems, and even foundations. Sometimes convincing the insurance company that there was no problems with these items prior to the lightning storm is a daunting task.

When it comes to lightning strike claims many people find themselves disagreeing with the estimate and analysis from their insurance company adjuster. Most of the time the insurance company’s estimate is much lower than estimates provided by local contractors. What can a policyholder do when this happens? How do you fight back? How do you find help in such a situation?

Almost all policyholders are unaware of a very powerful clause in their policy that allows then to invoke The Insurance Appraisal Process. For many insurance claim disputes the only available option to resolve such disagreements is a clause buried in the “Conditions” and/or “What to do after a loss,” sections of the insurace policy. It’s called The Appraisal Clause – also know as The Appraisal Provision.

More information is available about lightning strike claims by contacting Insurance Claims Group, Inc.  They will provide a FREE Consultation and Free Claim File Review. They can analyze your claim, your policy, the insurance company estimates, and your contractors bids to let you know where you stand. Is their more money available in your policy? Has the adjuster or contractor left out items that are covered? Be in the “Know,” and don’t be pushed around.  You didin’t let the lightning stop you… why let the insurance company?

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Natural disasters can change the face of the world. Believe it or not, the strongest earthquake ever recorded in the United States was located in Missouri, not California. This earthquake was so powerful that it actually changed the Mississippi River’s course. We do not have the power to stop them from happening, but we can do a much better job preparing ourselves from the consequences and protect ourselves from an insurance claims dispute.

Every state that borders the Gulf of Mexico and Atlantic Ocean, which is twenty states including Hawaii face hurricane threats on a yearly basis. The population of the United States continues to grow exponentially, and so does the threat of facing a catastrophe. Tornado, Hurricanes, Floods, and Earthquakes happen all over the United States.

Home values have decreased in some areas that have a lot of natural disasters. Most homeowners have a large amount of their money tied up in their homes. This puts them at huge risk with their finances. Recent natural disasters, such as Hurricanes Rita and Katrina showed us that we are not prepared for natural disasters.

There are many great ideas to help Americans prepare for these natural disasters, and national coalitions like protectingamerica.org advocate these. These organizations are made up of first responders as well as emergency management officials.

One basic solution to this is the emergency of privately funded, but sponsored by government funds for catastrophe. This money would accumulate before a disaster occurred, and is a combination of insurance premiums and government money. This way, the states can fund their own restoration from natural disasters. If property owners can’t be covered by one state, then the federal government would step in. Money would be designated for this one purpose, and could grow every year it wasn’t used.

Another solution includes training and strengthening first responders, better land use policies, and better building codes. A better solution is not going to happen overnight, so here is what you can do in the meantime to prepare yourself:

1. Familiarize yourself with your town’s disaster plans and come up with a family disaster plan.
2. Create an emergency supply kit that has plenty of nonperishable food, can opener, paper plates and utensils, lots of bottled water, first-aid kids, flashlight and radio, and plenty of batteries
3. Put everything important in water and fire proof containers; wills, insurance policies, passports, birth certificates, financial information, phone numbers, etc.
4. Create a video inventory of your personal property and keep as many receipts as possible.

As stated earlier, “We do not have the power to stop Natural Disaters from happening, but we can do a much better job preparing ourselves from the consequences and protect ourselves from an insurance claims dispute.

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An increasing number of insurance policyholders have found themselves involved deeply in an insurance dispute about claim damage. Insurance disputes can be financially devastating. A common feeling of most policyholders is that insurance companies are there to actually help them in times of need. Sometimes, that is completely true, however with larger claims, it can feel like you are being taken advantage of.

A house fire, tornado, tree through the roof, or busted pipe can cause large amounts of damage to a home and it’s belongings. People often feel reassured because they have homeowners insurance coverage or business owners insurance. That relief could be premature. Yes, your damages are covered by your insurance policy, but how much will your company pay versus what you have to pay out of pocket?

The policyholder often thinks that if they have been with a company for a number of years and never submitted claim, they will get a fair settlement. It should be that easy. You pay timely premiums, you find a good contractor and submit your claim properly, and it should be paid. However, larger claims dig deeper into the insurance company’s pockets. With more to pay out, any policyholders find out that they are NOT “in good hands,” the insurance company is NOT always “on your side,” and “like a good neighbor… there NOT always there.”

Everyone wants to believe that they will be taken care of in a time of need. That is not always true with more costly claims. These large claims become a huge, costly battle over what should and shouldn’t be replaced or repaired. Many insurance companies do wish to take care of their clients and give them a fair claim settlement for the needed repairs. Unfortunately, there are just as many companies who will do everything in their power to protect themselves financially… instead of protecting and taking care of their clients.

Not many policyholders are aware that there is a clause within their policy that protects them from insurance company greed. It’s called the insurance Appraisal Clause. The clause has a set process to settle insurance disputes that involve the “amount of loss.” If the two parties have two separate estimates and different opinions on how much money it will take to complete repairs or replacement, appraisal is the next step.

Appraisal settles disputes about damage to your home or property. If you suffer a natural disaster that destroys your home, the insurance company will send an adjuster. Disputes begin for many reasons. However, as an example, let’s say the adjuster estimates a fire damage claim at $300,000. Your contractor gives an estimate to repair the damage for $450,000. Obviously there is a dispute on the “amount of loss.” This results in a dispute between the two parties for both repairs and damages. An agreement can not be reached, as neither party is willing to budge. At that time, either party can demand appraisal in writing. Each party must appoint an Independent Appraiser to settle the insurance dispute.

For a more detailed breakdown of the Insurance Appraisal Process policyholders can educate themselves and obtain insurance dispute assistance from Insurance Claims Group.

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