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News from Aspen Claims

Increased Work Flow? How to Get Assistance with Insurance Claims


October 4, 2017

Are you looking for ways to grow your insurance company’s network? By upping your marketing game in a few ways, you can increase the amount of business coming your way and utilize independent insurance adjusters when needed. Keeping in mind that increasing your marketing budget and hours spent on online advertising, you may have more business than you know what to do with, especially when disasters like hurricane Harvey and Irma hit, so it is important to have people to turn to when you need additional assistance.

Using Online Advertising

The best way to advertise is to make a cohesive approach. That means using all types of advertising outlets including online, print, social media, brick & mortar, mobile, banner ads and display ads. This approach to marketing accounts for so much in today’s increasingly tuned in world.

A majority of consumers at least begin their search for a product or service online. As a marketer, you can take advantage of letting them know why your service is perfect for them. You can do this through Google ads, which allow you to come up for your area based on specific keyword searches, organic search by advancing your website's search engine optimization (SEO), and social media advertising.

Through Google paid advertising, you can also remarket to people that may have come to your site—and providing them with new ads that cover different services. Even if you don’t have a large budget, that’s okay. Use these six low-budget online marketing ideas for your small business.  

Proactive Advertising

To help prospective customers find you, assist them by being proactive. Run a series of advertisements informing them how your insurance company will take great care of them in the event of bad weather or a disaster. You can also use this as an opportunity to let them know how much money they will save by switching to your company.

Use strong calls-to-action to ensure people understand how quickly they need to respond. At the end of the day, if they don’t have property insurance, or might be overpaying, it is crucial that they make a switch before a catastrophic event occurs.

Using Additional Help

Clearly bringing more business to your company, it is a great way to increase revenue. However, if an incident in the area occurs, your claims adjusters could get slammed. While some insurance companies might feel overwhelmed and have a slow response, avoid this by taking advantage of a service that can help. When working with an independent claims service, you can find adjusters to help with your overflow. This allows you to continue to provide great service to your customers—especially in their time of need.

Does your business need heavy claims flow? Explained by claims adjusters at Aspen Claims Service, we help you learn how to manage an overflow. By putting in some of these marketing techniques into your advertising rotation, you may experience the flow of new business. We are available to help. Learn how and contact Aspen Claims Service today.
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How to Handle Denied or Partial Insurance Claims After a Storm


September 20, 2017

Once a dangerous storm hits an area, the next step if there is any damage is to report it to your insurance company. In many circumstances, claims will be approved. However, there are instances where your insurance company may come back only covering parts or your claim, but not all. In other cases, the insurance company may deny your claim at all. This is when it is important to understand your policy, and know how to handle denied or partial damage claims.

Prior to Inclement Weather

As a homeowner, it is important to understand your insurance policy and know your coverage. It is always beneficial to review this annually and make sure you are covered for possible damage that can occur in your area. To help, you can review Fox Business’ 11 tips every home owner needs to know about insurance.

What to Do After a Storm

Early summer is typically the time where inclement weather occurs in Denver, however, there can always be a storm that causes damage. Whether it be hail, lightning, or high winds, any can do extensive damage to your home. Once the storm has cleared and it is safe to go outside, take some time to inspect the exterior of your home. You will want to look for missing or broken shingles on the roof, damaged siding, and other areas around your home that have been damaged. If there are any areas with damage, be sure to document it as best you can. Write down issues, as well as take photographs. From here reach out to your insurance company to arrange your claim.

Claims with Insurance Companies

Once you have taken inventory of any damage outside of your home (or inside), it is important you contact your insurance company. You will want to be sure to give them very detailed notes on what happened with your home. Upon submitting your claim, your insurance company will send out a claims adjuster. You may also look into having your own adjuster as well to help have a second opinion on the damage. They will take your claim and carefully review it, alongside reviewing your insurance coverage to come up with the amount they will give you to fix any damage.

Handling Denied or Partial Payments

Depending on your insurance coverage and an assessment of your home’s damage in a storm, your insurance company may only cover a partial amount of the damage. They may also deny your claim altogether. As a homeowner, this can be frustrating. You can contact your insurance agent to discuss the situation. You may be able to use the second opinion you received to help with your claim to cover anything the original insurance adjuster may have missed.

For additional help, be sure to review how to handle hail damage and submitting property claims. To get started with your claim, Aspen Claims Service can help. As assist with claims 24/7 nationwide, in both rural and urban locations. Call us today at 888-819-5904 to get started.
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Reasons to Upgrade Your Property Insurance


September 6, 2017

Your home is one of the largest if not the largest of your investments. It is important that you make sure this investment is protected in the event of an emergency. The best way to handle this is through property insurance. While you may already have this insurance, it is beneficial to look at your coverage each year to evaluate if you need to increase your protection. To assist with your review of this insurance, make sure you review the different types of weather dangers in Denver, types of insurance upgrades, and when to contact a claims adjuster in the event of an emergency.

Weather Dangers in Denver

One of the best things about living in Denver is the great weather. Average summer temperatures are in the 80s and evenings in the 50s and sunshine is seen for roughly 80 percent of the year. However, that does not mean the area is resistant to bad weather, or other dangers than could affect a home. The City and County of Denver explains there are six potential threats in the area. Five of these are key players than could potentially hurt your home. First are earthquakes. While the risk is low, the risk is still there. Next is flooding for those who live near rivers, streams and other waterways or areas rain can quickly collect. Hail and lightning is also a risk, as well as tornadoes—especially during the spring. Last, winter weather also poses a risk. Cold temperatures, snow and ice can weigh heavily on a structure.

Types of Property Insurance Upgrades

Each year it is important to review your property insurance policy. If you live in a high-risk area for certain dangers, it is beneficial to make an upgrade. In addition, if you make any upgrades or large purchases, it is another reason to upgrade. For instance, if you handle a larger renovation project in your home that increases its value, you will want to make sure that is protected. In addition, if you purchase an expensive new TV, appliances or other items, these are investments you will want to make sure is covered in your policy. If you’re unsure about your coverage, it is a discussion to have with your insurance agent.

When to Contact a Claims Adjuster

In the event of an emergency that damages your home, you will need to document the damage and eventually reach out to your insurance company. While they will send out an adjuster to review the damage, you can also work with your own. This will provide a second opinion to the situation and you will have someone on your side. To be sure you know what your next steps should be in the case of an emergency, review catastrophe claims: what to do in the event of an emergency.

For a claims adjuster you can trust in the event of an emergency in your home, you can trust the experts at Aspen Claims Service. To get started with your claim, give us a call at 888-819-5904 today. We will help review your situation and help you get the amount you deserve in your case.
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Exterior Home Enhancements to Make After Making a Claim with Your Insurance Agent


August 23, 2017

When damage occurs to a home, whether it be through an accident or a storm, the process to get things can seem long. However, after this happens, it becomes a great time to do any additional work to your home while it is already under construction. Even if it is small, there are a few different kinds of home renovation during or after your home has been repaired. Learn more about the different types of home damage and making a claim with insurance adjusters, renovation ideas and safety tips.

Type of Home Damage

Hail is one of the most common types of outdoor weather damage threats. It can wreck siding and leave your roof falling apart. Hail is not the only type of danger; high winds are also a threat. From flying shingles to detached siding, items can hit your roof and perimeter around the house. In the winter, it is important to pay attention to large amounts of snow that fall on your roof. Typically, you should begin to worry and look into safe methods of removal once a foot of snow falls on your roof. Ice can cause even more damage. When an inch of ice accumulates on a roof, you potentially run the risk of your roof buckling. In addition, melted snow or ice can also accumulate on the edge of your roof creating an ice dam. These can be extremely dangerous. Learn how to get rid of ice dams from This Old House.

Enhancement Ideas

If the exterior of your home becomes damaged, you can take some time to think about any renovations you would like to make. If you have to replace your siding, you have the option to change the color of the way the exterior looks. Pair this with new landscaping with plants and trees that complement the color of the siding you choose. With a roof, after experiencing damage, in some cases you may qualify for a new roof from your insurance policy. You can discuss with your roofer different types of shingles and colors that you can use to replace.

Safety Tips

After a storm or dangerous incident has occurred, you need to make sure you assess any damage as safely as possible. First, never go outdoors until a storm has passed or the imminent danger no longer exists. If there are downed trees and power lines, steer clear of them to avoid electrocution. Call your local electrical company and inform them of the downed lines. During the clean-up, if there is any shattered glass, make sure you are wearing closed toe shoes and use gloves if you will need to pick anything up.

If an incident occurs to your home, it is important to learn about catastrophe claims: what to do in the event of an emergency. For a claims adjuster you can trust, contact the experts at Aspen Claims Service. We are available nationwide. Contact us at claims@aspenclaims.com or call 888-819-5904. We can work with you and your insurance company to make sure you have an accurate assessment of any damage.
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New Small Business Owner? Maintenance Tips and Submitting Damage Claims


August 9, 2017

As a small business owner, you know that every decision you make can impact your bottom line. This is why it crucial to be proactive and be aware that disasters and events can happen. By taking care of your property and keeping a plan that is communicated to employees, you can ensure you can make it through a disaster as smoothly as possible. Learn more about outdoor maintenance tips, how to plan for emergencies that impact your small business, and crucial information about submitting damage claims.

Outdoor Maintenance Tips

Whether it is your home or a building, ensuring that customer-facing exterior is in good condition is important. As a first impression, you want your business to be welcoming. If you have outdoor signage, make sure your sign is clean at all times. Also, make sure there aren't any trees or shrubs near it that could hinder someone from finding your business as they are pulling up.

Next, you will want to make sure there are clear walkways for customers. From debris in the way to cracks, you want to make sure your area is safe to avoid accidents from happening.  It is also important to make sure the structure of your building is sound. Complete manual checks around the building to look for any cracks in the foundation or warning signs. In addition, make sure to inspect your roof a few times per year. You will want to look for cracks or missing shingles as leaks can lead to costly fixes down the road.

Planning for Emergencies

If you do not have a plan of action in the event of an emergency that could impact your small business, you need to make this a top priority. To start, research common disasters and events that could potentially happen to the structure of your business.

Use this to review your insurance and make sure you are properly covered for potential scenarios. Next, make sure you have a plan of action in case your business will have to be closed—both short term and long term. Have a list of contacts readily available that include employees and anyone else you normally work with to inform them about the situation. This also includes informing your customers.

It is also important that your small business have first aid kits and other tools available on-hand in case of an emergency with an employee or customer. If you need help with your plan, use the American Red Cross’ get started: emergency preparedness checklist for small businesses.

Submitting Claims

Included in your emergency plan should be a step-by-step guide on how to submit a claim upon damage to your small business. First, make sure you understand every element of your insurance policy. After an event has occurred, take time to make sure the area is safe. Next, you will need to review and assess the damage. Be sure to take detailed notes on the damage, and include pictures. Keep this to inform your insurance company and once you have taken these measures, contact them to file a claim. From there, an adjuster will be sent to your business to investigate your claim.

When your customers are submitting claims for an emergency, you may need more claims adjusters to handle the volume of claims. Hire Aspen Claims to help, we are the premier nationwide independent claims adjuster. Learn about the Aspen difference and call us today at 888-819-5904 to see how we can help your company with claims adjusting.
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