Assign a Claims   Adjusters Login   Call: 888-819-5904

News from Aspen Claims

Working with Customers with Property Insurance on Their Large Loss Claim

December 13, 2017

As a claims adjuster, there will be times you will need to work with clients on large loss claims. This is something that our neighbors in California are unfortunately having to deal with due to the amount of wildfires in their state. Large losses such as these are incredibly stressful for homeowners. Anything you can do to make their experience go a little more smoothly will help ease this burden. The best thing you can do is to better prepare yourself on property insurance and aiding them with their claim. Learn about the different types of large losses, tips for working with customers, and when it is important to utilize assistance for an influx in customers.

Types of Large Losses

One of the most common large losses you will deal with in your claims adjustment career are fire losses. Each year, there is nearly $12 billion in losses due to fires. Many homeowners are not familiar with their insurance policies and often do not have the coverage for the entirety of the damage. The second most common claim is flooding. With over $2 billion in losses each year across the United States, it is an area you will have to cover as an adjuster at some point in time. Another large loss claim is due to earthquakes. Earthquakes are more prone to happen on the west coast in states such as Alaska, Washington, California, Idaho, Nevada, New Mexico, and Utah. The Midwest also has a few common areas in Missouri, Illinois, Kentucky, and Tennessee. Last are tornadoes and severe storms. While very common in the Midwest, tornadoes can strike anywhere when the conditions are right. There is approximately $10 billion in damage each year.

Tips for Working with Customers

The key to being a great claims adjuster is to be experienced and knowledgeable. Even if you are new to the field or just new to a position, make sure you know as much as you can when working with your customers. Be upfront with them and give them a list of everything that is needed, and possibly any tips on how to make it go more smoothly such as best practices for pictures, or how to file documentation. Next, have patience. While the loss is not your fault, they may be upset and direct their frustration at you. Try these seven steps for dealing with angry customers to be prepared for the situation.

Utilizing Assistance for Influx in Customers

Depending on a situation in the area you serve, you may have an influx in claims. In order to give each customer the time and attention they deserve, you may need to delegate. This is where a claims service can assist. By utilizing a claims adjuster service, you can have adjusters out in rural or urban locations quickly to assess damage and help with your excess of demand. You keep your sanity, and your customers stay happy. It’s a win for everyone!

If your business has increased and difficult to keep up, Aspen Claims Service has you covered. We are a national claims adjusting firm that provides adjusting services for residential and commercial property losses all across the United States. We hope you’ll choose The Aspen Difference for your customers! Call us today at 888-819-5904 today to see how we can help.

Top 3 Ways Claims Adjusters Can Stay Organized

November 29, 2017

Claims adjusters can have a taxing job. You are often always on the go and work with several different clients, all while trying to maintain a great work-life balance as well. Staying organized is key to being your best self for both you and your clients. From mastering your time management skills and staying organized while on the road, to going paperless, use these top three tips to help maximize your workday.

Time Management

As an adjuster, you might be juggling several different claims at once. To give each of your clients the amount of attention they need, collaborate with your team and strive to be efficient with your time. If you find that you are having trouble fitting all of the work into the day, look to see what you can cut. Do you mix your personal agenda items in throughout the day? Even a five-minute call here or a quick email check there can add up.

Next, keep a running to-do list that you prioritize. Consider what needs to be done immediately and put the other items off until you have more free time. Always have a top goal of what needs to be accomplished. Also, make sure everything you are working on fits the overall goals of your business. Anything that does not fall into those buckets should be last on your priority list.

Organization While Traveling

Adjusters work on the road often. If your car also happens to be your second office, keeping a clean and neat system will help you maximize your time. If you haven’t already, make sure your task list is in electronic form. Try one of the seven of the best to-do list apps to keep from having notebooks filled with notes on many different pages. Many of these have the feature to have multiple lists so you can have priorities separated out. Next, purchase a bag that allows you to organize everything you need with you. Bags on wheels can be slightly larger, allowing you to carry more items without adding stress to your shoulder. Organize papers in file folders or in a binder, and keep extra file folders with you as you add more paperwork.

Going Paperless

While it may feel impossible to cut all paper from your work day, you can cut it back as much as possible. Not only will this help out the environment, but will help keep you more organized. First, if you do not have electronic claims, investigate an electronic solution for you and your customers. This will also help reduce mistakes in paperwork. Second, keep your online forms and e-documents organized on your computer. You do not want a cluttered desktop. Take the time to determine a few different folder names that can house your files. Place those on your desktop or in a toolbar.

Increased work flow? How to get assistance with insurance claims will also help keep you efficient. If you need help fitting in all the work, Aspen Claims Service has a team of claims adjusters for both rural and urban locations. We will help you with excess work, and provide you with better service for your customers. Contact us today at or 888-819-5904.

Common Types of Damage Claims Explained for New Claim Adjusters

November 15, 2017

As a claims adjuster new to the industry, there are many different types of damage claims you may see. It is important to be experienced in each type of claim to give your customer the best type of service available. While different parts of the country vary in what claims they see often, there are a few common issues that are universal to claims adjusters. Learn about storm damage, theft, water issues, and fires and key tips as you work through claims.

Storm Damage

Damage to homes and other property types due to various forms of storms tops the list of common claims. Of all of the types of issues, wind and hail can wreak havoc on homes. Winds can happen from a severe thunderstorms, tornadoes, or hurricanes. As an adjuster, you will go to the location of the client to assess their situation. You may be given photos of the damage they took to assist with the claim. Inspect the property to see what damage the storm caused including damaged siding, downed trees, broken windows, roof or siding damage, and more.


In the Insurance Information Institute’s facts and statistics: homeowner's and renter’s insurance, just over one in 235 homeowners with insurance have to file a property claim because of a theft on an annual basis. They add that the severity of the claim is nearly $4,000. Upon handling a theft claim, work with the client to gather as much information as they have on the items that were lost. This will include receipts to show when items were bought and how much they cost. Make sure to ask if there was any damage to the home during the break-in. If there was, you can use this to assist with your investigation for the claim.

Water Issues

Water damage can be a costly fix for homeowners and it can happen in a variety of ways. In the winter, it can be possible for pipes to freeze and rupture. This happens in just over a quarter-percent of all water damage claims. There can be other malfunctions in the home leading water to burst and flood the home. As you work to investigate these claims, ask the customer if they have any receipts or documentation.


Fires cause much devastation. For some homeowners, it may happen in a room or two, while other homeowners are completely displaced. As you work with a person on their damage claim, you must remember that they are in need. Help calm them by reassuring them you will do everything you can do to help. Go through with the client all areas and items damage to help you get the most information when filing the claim.

Increased work flow? Learn how you can get assistance with filing an insurance claim. If your area experiences an influx in claims or you need additional adjusters, Aspen Claims Service can help you fill the gaps. It is important to service your customers and community as quickly as possible in the event of an emergency and we can help supply a team of adjusters if your demand rises. Call us today at 888-819-5904 to see how we can help your business.

Top Thanksgiving Mishaps Explained by Insurance Claims Adjusters

November 1, 2017

Thanksgiving is one of the best times of year to get together with friends and family, eat great food and spend some time watching football or hanging out. However, it can also be a time for some kitchen blunders that can result in some issues! As an insurance company, you can reach out to your customers to help remind them to avoid some of these common Thanksgiving mishaps. But, if they do, they can reach out for issues that insurance covers. From turkey troubles and improperly cooked foods, to kitchen fires, learn about some of the top Thanksgiving mistakes to avoid explained by insurance claims adjusters!

Turkey Troubles

Being responsible for the Thanksgiving turkey can be quite the task. But, if directions are followed, it will be a success! One of the most common mistakes made is not allowing enough time for the turkey to thaw. Since turkeys are large, they need more than a night to thaw. A great rule of thumb explained in the seven mistakes to avoid when cooking a turkey is to allow at least 24 hours for each five pounds the turkey weighs. When cooking, you want to be sure you do not roast at a temperature that is too high. Stay in the 475 to 500 range and use a thermometer to periodically check it. Once it reaches an internal temperature of 165 degrees, you will want to take it out.

Improperly Cooked Food

Internal food temperature is important to ensure the safety of your food. Foods that are not cooked to temperature are considered in the “Danger Zone.” These are temperatures that are between 40 to 140 degrees. Internal temperatures range. Turkey and chicken must be cooked to 165 degrees, while most types of beef only need to be cooked to 145 degrees. When leaving food out, it needs to stay warm. Two hours is your max time that food can be left out before it hits the danger zone. As you are cooking, make sure you are washing your hands as you switch preparing different foods. This will help to avoid cross contamination. Also, any time you touch raw meat, always wash your hands before moving on to another task.

Kitchen Fires and Issues

Thanksgiving is also a common time for kitchen fires. This is something to help remind your customers to avoid! First, cooking should not ever be left unattended. Even just a few seconds away can lead to issues. Another common mishap is leaving items too close to the flame that also catch fire. It can be easy with many moving pieces, so always be vigilant. Make sure a fire extinguisher is close by in case of emergency.

If you find that you have an influx of calls each year around Thanksgiving, Aspen Claims Service is here to help. We provide additional assistance to adjust claims to help you best serve your customers! Learn more about The Aspen Difference and call us at 888-819-5904 today to see how we can help your insurance company.

When To Use Claims Adjusters for Reinspection Settlements

October 18, 2017

Once a house has become damaged or a homeowner has reached a point where the roof has aged and qualifies for repair or replacement, a claims adjuster will assess the damage and report findings and amount that the insurance company will pay. In certain circumstances the insurance company will only cover partial amounts or they will deny the claim. When this occurs, a homeowner may want to dispute the claim and request a reinspection. Learn more about filing insurance claims, denials and reinspections and other services provided by claims adjusters.

Filing Insurance Claims

Once damage has occurred to a home, whether it be from a storm or accident, you will need to go to the damage to assess it and document it as best you can with a camera. If damage has occurred to your roof, you can reach out to a local roofing contractor to inspect the damage. They will walk through the situation with you and provide a quote that you can use with your claim. Your homeowner’s insurance should lay out all the details you need to file a claim. Make sure to include as many details as you can. Even if they seem trivial, the more you have, the more it can help your case. From there, your insurance company will send out an adjuster to also assess the damage. Once they do that, the adjuster will work with the insurance company on a settlement.

Denials and Reinspections

In certain situations, an adjuster may not find the damage to provide a partial or complete payment to cover the repairs. As a homeowner, this can be frustrating, especially if you feel there is a lot of damage that needs to be fixed. If you have reviewed your policy and feel changes should be made and covered by your insurance company, you can request a reinspection. This can be completed for missed damage that you feel the first adjuster didn’t see, measurements that are not right, errors and other issues you find.

Other Services Provided by a Claims Adjuster

When working with a claims adjuster, you can also work with your own for a variety of services. You can work with your own adjuster in your area to assess both residential and property losses. They will work with you to arrive to the location of the incident quickly and create a documentation that you can provide in addition to the adjuster sent by an insurance agent. For larger damages, you can work with an adjuster on catastrophe claims. Learn more in Bankrate’s “Do You Need Your Own Claims Adjuster?”

If you are new to owning a home or are unsure about what adjusters do, learn more in “What Are Claims Adjusters? The Ins and Outs of the Profession.” To get started on your claim, Aspen Claims Service is here to help. Serving the continental United States, you can count on us to be available to help you with your claim. Give us a call at 888-819-5904 to get started.