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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.

Frequently Asked Questions About Property Claims

July 26, 2017

Accidents that can affect a property can seem inevitable. The best thing you can do as a homeowner is to be prepared when you need to address property claims after an accident. If you have never had to make a claim before, or have not in a long time, it is beneficial to get yourself up to speed. This way you are prepared when an accident occurs. Review these top frequently asked questions for property claims:

What do I do after an accident?

After you property experiences an accident, the first priority is to make sure everyone in the home is safe. Next, you need to take a look at the damage. If there is anything that is dangerous, you will need to vacate the home until it has been fixed. You will also need to clear any debris in the area. Next, be sure take any pictures of your damaged home to document your findings. Once you have done this, next you will need to call your insurance company and put in a claim. They will work with an independent claims adjuster to assess the damage to your property. If you do not have insurance, be sure you understand the top reasons you need property insurance.

How long does the process take?

Depending on the type of damage in the area, your insurance company will send out an adjuster. If damage is extensive, it could take up to a few days for them to review the damage. Often times, in situations like this, insurance companies contact an independent adjuster to assist with property claims.

Once the report is in, you will need to have patience as it goes through the process. Typically, they have a couple weeks to respond to your claim after you have submitted it. Your insurance company will then issue funds in about a week. You should be notified if more time is needed to review your claim.

How do I know what’s covered?

Prior to submitting your claim, you should freshen up your memory by getting out your homeowner’s insurance policy. From here, you can find everything you need to know on what is covered after an accident on your property.  

What happens if I do not agree with my settlement?

In some cases, you may not agree with your claims settlement from your insurance company. This is where calling in your own claims adjuster to re-assess the situation can be beneficial.

Next, put together a written statement that maps out the areas you disagree with and have the proof to back it up. In extreme cases, an appraisal may be done.

Learn more about how to dispute a home insurance claim settlement or denial from Nerdwallet.

If you work for an insurance company and are looking for a premier independent insurance adjuster, Aspen Claims Services has a team of experts across the continental United States that are ready to help with catastrophe claims, commercial property claims and residential property claims. To get started, just give us a call at 888-819-5904, we are happy to help and would love for you to experience the aspen difference.

What Insurance Adjusters and Detectives Have in Common

July 12, 2017

You may not have realized it, but insurance adjusters and detectives have quite a bit in common! A detective does a lot of investigative work which is a skill needed to be a good adjuster. So, if you are looking for a career path that does investigative work, maybe being an adjuster is the perfect route for you. Learn more about what adjusters do, what their similarities are to detectives, and reasons insurance companies utilize independent claims adjusters.

What Do Insurance Adjusters Do?

When an accident happens, whether it is a storm that wrecks a home, or a tree falling on a house, there is a story to be told. With insurance, in order for an insurance company to distribute funds to pay for damage, they need to know the story so they can see where it ties in your plan and how much they can cover. In order to collect this information, they will send an adjuster to review your claim. The adjuster will assess the damage to see exactly what happened. As a homeowner, you should also take photos and have as much information as possible to provide them with as well. If you know the situation in and out, you can help show them too. But ultimately, they have the skills to do the research and know the laws.

Similarities to Detectives

Being an adjuster is a very investigative role, just as it is with a detective. They have to come into a situation with an unbiased approach to get a sense of what happened. Whether it is an old roof that is in need of a repair, or if a bad storm came through and your home is filled with hail damage, they have to come and assess every aspect of the situation. The job is also not just in the field. It includes sifting through paperwork, finding the details and much more. The two fields have very much in common in this aspect.

Reasons Insurance Companies Need Independent Adjusters

The insurance company will send out an adjuster to assess the situation. In many cases, the insurance company may not have a local office in your area. If this is so, they will contact an independent claims adjusting firm to assess the situation. Many insurance companies benefit from using independent adjusters because they are fast, efficient and get the job done right.

Now that you’ve learned the ins and outs of the claims adjuster job, is this something you would be interested in as a career? Is a career as an insurance claims adjuster right for you? It may be just the detective-like position that you’ve been looking for. Then no matter if you looking to learn more about claims adjusting, or are interested in becoming one, Aspen Claims Service should be your first stop. See our entire claims coverage area today and call us at 888-819-5904 to see how we can help you learn more about claims adjusting in the United States or how we can help train you in a claims adjusting career.  

What is Property Insurance and What are the Different Types?

June 28, 2017

Whether you own a home or your own business, the investments you have are worth protecting. The best way to ensure you are covered if anything happens to your valuables is to have property insurance. Learn what this type of insurance is and the differences between residential and commercial to make sure you have this for your investments.

What is Property Insurance?

In the event of an emergency where valuables are damaged are destroyed, it is important to have property insurance. Why? Property insurance helps you maintain your investment. When an accident happens and items are destroyed, insurance will cover the costs associated with replacing these items. It is important to work with your insurance company and fully discuss everything you would like to insure. While you will take your budget into consideration, you want to be sure you purchase enough insurance to cover anywhere from half to three-quarters of your investments.


When it comes to residential insurance, there are a few different types. If you own a home, you will need homeowner’s insurance. When you purchase homeowner’s insurance, you are covering the home itself in the event of damage or loss, valuables inside from damage or even theft and the people in the house. In addition, you can insure your home from elements that are more common in your area, such as floods or earthquakes. You can discuss the different types of coverage with your insurance agent to make sure you are covered. Next, if you rent, you are also able to get insurance. In fact, your landlord may require it. Renter’s insurance will protect your belongings the same way homeowners would in the event of an accident or emergency. Before getting this insurance, go around your home and value up all your belongings to determine how much to insure. Also, make sure to write down serial numbers of everything and save them in a safe place. That way, if things are damaged or stolen, you can access information quickly and pass that onto your insurance company.


Just as it is important to keep your valuable and home safe, if you own a business, you will want to do the same. This is why commercial property insurance is crucial. No matter what type of commercial property you have, whether it is a building or even a farm, you need to make sure it is covered from an emergency such as inclement weather, fires or other types of damage. Commercial property insurance cover the important equipment and devices that keep your business running, as well as the items employees use to work each day. Take a deeper dive into the world of commercial insurance for your property in Investopedia’s Commercial Property Insurance.
If you are debating if you should even purchase this type of insurance, be sure to read the top reasons you need property insurance. In the event of an emergency, Aspen Claims Service can help. We are a national claims adjusting firm that can help assess both residential and commercial damage and losses. We help to provide accurate numbers to insurance companies on how much you are entitled to based on an incident. Give us a call today at 888-819-5904.

Does Your Business Need Heavy Claims Flow? Explained by Claims Adjusters

June 14, 2017

Having a large increase in business is never a bad thing! More money is coming in and business is good. However, sometimes when there is more work than expected, it can get tough to keep up with demand. When customer needs and inquiries get behind, it can lead to customer frustration that can hurt your business’ reputation. Learn more about how to tell you need assistance, how heavy claims flow can help and the importance of having a claims adjuster.

Red Flag: You Need Assistance!

In the event of a disaster or catastrophe, your claims service may need assistance. When the demand creates a backlog in your work, you want to be able to help the people in your area contacting you. Some red flags include long wait times from customers, overtime from staff, poor communication and poor work quality. So, if employees are having to rush through claims, they may not be giving each claim the attention it deserves. This is crucial to your claims service to get right as a mistake can lead to your client receiving less money. If you notice any of these red flags during a time, you may want to consider an using an overflow service.

How Heavy Claims Flow Can Help

When your business is beginning to suffer due to an increase in demand, you have options: heavy claims overflow. By utilizing the help of an outside claims service, you can spread out your workload to give each of your clients the value and attention they deserve. Not only will this help create happy and repeat clients, but will keep a steady flow of business. There are a variety of tasks an outside heavy claims flow service can provide such as handling files and reports, daily, catastrophe and litigation claims and any residential and commercial property adjusting needs. As trained industry experts, you can trust them to handle the extra workload quickly and efficiently. The claims service will work so closely with yours that clients will not know that it is an outside service.

Importance of a Claims Adjuster

A claims adjuster is crucial to emergency situations. When damage happens in a variety of environments, a claims adjuster is needed to assess the situation. So, if you are a customer that has recently experienced damage to your home, vehicle, property, business, etc., you will want to contact a reputable claims adjuster to help ensure you get the best amount from your insurance company. When choosing a claims adjuster to handle your issue, be sure to talk to companies if you call for help. If you have had a disaster in your area that has had an excess in damage, make sure you contact an adjuster that can handle your needs. Ones that accept overflow will help. Learn more about the role of a claims examiner.
For help with your overview claims needs, Aspen Claims Service can help. We provide the extra staff you need to help your customers get the attention you deserve. Learn more about how we are available for heavy claims flow and will help your business. To get started, contact us at 888-819-5904.