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News from Aspen Claims

Common Roofing Problems Found by Claims Adjusters

August 8, 2018

As a claims adjuster, there are many different scenarios that are encountered when assessing a roof. A homeowner may notice damage and put in a request with insurance to have it repaired. While most roofs last 15 to 30 years, over time natural wear and tear sets in. Review some of these common problems that are found in roofs.

Leaks and Water

Roof leaks are one of the common reasons for damage. Worst of all, when water comes in unexpectedly, it can lead to mold, warping, and more. Water commonly leaks in if shingles are broken or missing, or if there are any cracks. But water doesn’t always come in due to cracks. If the insulation in the uppermost layer, commonly an attic, is gone or not properly installed, this can lead to issues with the temperature hence causing condensation. This unwanted moisture can end up being a costly fix for homeowners.

Gutter clogs

The gutters play an important role in the health of the roof. The two work together to keep water away from the house. When gutters are not properly cleaned, they can clog. This causes a buildup of water and any other debris. Not only will water sit in certain areas, causing damage, but it also leads to extra weight. Over time, the gutters will warp because the extra weight takes a toll. This toll can ruin the gutters and even the foundation of the home. When water sits around the base, it can lead to serious issues down the road.  

Flashing Issues

Roof flashing plays a pivotal role in the overall health of a roof. Flashing is the material that is used in corners and other connections that keep water and outdoor elements away from the inside of the house. For instance, flashing is found around chimneys, along siding, or around vents. When flashing becomes damaged or worn, water will get into those areas and could possibly wreak havoc.


Pooling on a roof is common on low slope homes and businesses. There are ways available today to keep water flowing off low or flat roofing. When those water removal systems do not work, it can cause ponding or pooling in one area. The dangerous aspect of sitting water on a roof is the interaction it has with the sun. When you mix the harsh sun colliding with water, it can destroy some of the important elements that keep the roof together. A rule of thumb for homeowners is to watch their roof after it rains. Water should not stay on the roof for longer than two days.

Are you looking for ways to enter the insurance industry? One of the ways you can is by becoming an adjuster with Aspen Claims service. We offer a wide variety of claims adjuster careers in several states across the country, allowing you to experience new things every day in a growing field. Explore more about the claims adjusting field and call us today at 888-819-5904 with any questions. We would love to have you join our team!

Wildfires in the United States and Discussing Property Insurance with Customers

July 25, 2018

Wildfires can easily start by a simple accident, leaving a devastating impact on nature, wildlife, and homes. Commonly started by people, wildfires destroy more than five million acres each year. Based on conditions, wildfires can spread within minutes, making for a dangerous situation for all in their path. Take some time to learn about wildfires and the importance of discussing property insurance with your customers.

How Wildfires Begin

In a majority of cases, wildfires are man made. Some start due to a person blindly throwing out a lit cigarette onto the ground, improperly starting bonfires or burning items, or leaving a fire unattended. Sadly, some fires are even started intentionally. However, while only in about 10 percent of cases, wildfires can begin due to nature too—commonly through lightning. Dry conditions are the perfect environment for wildfires to spread, especially dry, windy environments. All it takes is one strike on dry land, or a gust of wind to expand a campsite fire.

Common States Most Susceptible for Wildfires

Of the United States’ millions of acres of forest, fires can start in nearly any state. Based on conditions, some states are more likely to experience damage from wildfires than others. California, Texas, North Carolina, Georgia and Montana rank near the top of the most fires total per state. However, Montana, Nevada, Texas, Oregon, and California experience some of the most devastation across the board.

On average, this can lead to thousands and thousands of dollars in property losses each year. When homeowners aren’t insured for wildfires, starting over can seem impossible. To date, October’s wine country fires were the costliest ever. Time Magazine explained there was more than $9 billion of submitted insurance claims. In addition, roughly 245,000 acres were destroyed, and 44 people were killed.

Putting Out the Fires

Firefighters and others on the front lines of wildfires have a difficult task when faced with the situation. Once a fire has begun, it takes much more than water to put them out. Those on the ground use water and other methods to keep fires from spreading. They also try to get ahead of the fires by cutting down growth that may continue to fuel the fire. Teams also use helicopters to drop fire retardant and water from above. Teams have to work together in a planned fashion to handle the existing fires and prevent them from spreading in areas in the path.

Property Insurance for Wildfire Damage

Given that wildfires account for thousands in losses each year, it is important to talk to your customers about property insurance. If your customers live in a state more susceptible to them, be sure they have the proper insurance. However, they can happen anywhere so be sure your customers know the risks. One per year make a call or send them an email informing them of their current coverage. You can help them be more informed by sending statistics about their local area. If you have acquired new clients, be sure to learn how to explain property insurance to new customers.

If your insurance company is in high demand due to wildfires or other disasters, Aspen Claims Service can help. Our team of adjusters assist with daily claims, catastrophe claims, underwriting, inspections, and more in your company’s time of need. This helps provide excellent service to your customers during stressful situations. Call us today at 888-819-5904 to see how we can help.

Ins and Outs of a Career in Underwriting Explained by Insurance Adjusters

July 11, 2018

Are you looking to understand more about the world of underwriting? Underwriters play a critical role in the insurance claim process. There are many different fields that underwriting is used in. One of them is insurance. Underwriters take the time to assess any risks and help provide guidance to the insurer on taking the risk to insure a person, piece of property, etc. This is what sets pricing on premiums, coverage, and more. If you are looking for a career in underwriting, learn more about this career in underwriting explained by insurance adjusters. 

Career Overview

In 2017, the Bureau of Labor Statistics noted that insurance underwriters have an average annual salary of almost $70,000.  In order to get a career in this field, they noted most will need a four-year degree that is complemented by experience in the field. Much of the work in this career will need to be done on a computer, so it is important to be savvy enough to be able to learn and understand how systems work. Those in this role will take the time to create insurance policies for customers, as well as note anything that cannot be covered due to various risks. Underwriters may also negotiate as well when a third party is involved to come to an agreement.

Differences Between Underwriters and Claims Adjusters

While both underwriters and claims adjusters work in the insurance industry, often for the same company, they play different yet important roles. An underwriter is a person that assesses and makes calls on various risks an insurance company can make. They will go through every element to understand any and all risks. They use computer software to quickly calculate risks and determine policies and premiums. Claims adjusters have a role after a person has submitted a claim. They will research a claim to ensure it is legitimate and find the documentation, facts, and important information to back-up their findings. This can be anything from reviewing documents and statements to interviewing those involved and professionals in the field.

Working with a Claims Adjuster Service

There are many places a person can get a career in underwriting. One of those places is for a claims service. This will allow you to get a broad amount of experience with several different types of requests as opposed to working with a single company. Independent firms have a growing demand both providing regular services for customers or assisting agencies with overflow.
If you are looking for a fulfilling career as an underwriter, apply today with Aspen Claims Service. We serve the entire 48 contiguous states, with licenses in more than 30 of them. This will allow you to work with both local and nationwide cases, allowing for you to have broader experience in the field. To get started, review claims adjuster careers and more to see if a position for a service is right for you. With Aspen Claims Service, we will ensure you have a fulfilling career. Have questions? Give us a call at 888-819-5904. We look forward to reviewing your application!

Working with Businesses on their Damage Claims

June 27, 2018

Whether you are a new insurance company, bringing on commercial to your agency, or are looking to expand your knowledge—the world of commercial damage claims is large. Establishing great relationships with your commercial customers is the key to success for a long future together. It is important to take the time to ensure you are providing great service by understanding various types of claims, working side-by-side with clients, and utilizing adjusters as needed.

Most Common Commercial Claims

When it comes to common types of claims submitted by commercial businesses, theft cases top the list. This can lead to millions and millions of dollars in lost materials both for small business, such as convenience stores and coffee shops, to large establishments like offices and retail stores.

Next on the list are weather claims. It is common for businesses to experience a variety of weather-related issues including hail or wind damage, as well as tornadoes. In the colder months, businesses that do not properly cover pipes can have to deal with frozen pipes.

Fire is also destructive. It can occur due to a variety of reasons and be as simple as fixes needed to be fixed in a contained area, or total loss. Companies should also be protected in the event of customer injuries or damage.

Working with Customers

Anytime a business owner has to put their business on hold due to an accident or event, money is being lost. The quicker the issue can be resolved will get the company back up and running. One of the best things you can do is be proactive and develop relationships with customers before they have an incident to report. This can be through periodic calls to help them understand their insurance or check in on coverage needs. Many insurance companies have started newsletters or blogs to help give their customers valuable information. Ideas can be explored in the three ways to retain insurance customers.

When they call to file a claim, work with them to swiftly work through the problem. Gather all the details and review their claim—and work to get an adjuster out as soon as possible to assess the damage.

Utilizing Adjusters

A great way to help save your insurance agency time and money is utilizing an adjuster service. This saves time as you can go to a trusted source to manage the assessment rather than having them on your payroll. Along with their expertise also comes trusted brands that help them do the job quick and accurately. Between this and being able to reach someone at all times of the day, every day, your insurance agency will save in the long term.

For an adjuster your agency can trust and rely on, Aspen Claims Service has you covered. Available 24 hours a day, seven days a week, our team covers any insurance company within the contiguous 48 states. Our adjusters have the attention to detail needed to compile a successful report. See how we can help you by calling us today at 888-819-5904.

How to Explain Property Insurance to New Customers

June 12, 2018

As a person in the insurance industry, property insurance is very familiar to you. However, it is always important to remember it is not to the customers you work with each day—especially those new to this type of insurance or situation. It can be easy to fill the conversation with words they may not understand, or internal, insider knowledge. Give your customers better service and take a refresher on property insurance. It will help you learn to break things down on a level they can understand—and make the entire process a win for everyone!

What is Property Insurance?

As you know, property insurance protects homeowners and renters in the event of a destructive situation that negatively impacts a structure. These incidents can occur due to a variety of reasons such as inclement weather (storms, floods, or earthquakes), fires, or theft. The customer will purchase a specific amount of insurance to protect their valuables up to a certain amount. There are also a variety of elements to be included in property insurance, it is not an umbrella over all things. This can be confusing and devastating to certain customers who have damage that is not covered by their plan.

Explaining Property Insurance to Clients

When speaking with customers about insurance claims with their property there are a few key terms to use and explain. First is “replacement cost.” Based on how much insurance they purchased, the damage will be covered up to a certain point. This is the amount that it will take to replace what has been damaged. Actual cash value is another common term to help break down to customers. This is what an item will cost based on what it is worth today. It takes into consideration it’s condition as it has aged over time and been cared for. Last, another term used often to help break down to new customers. The deductible is the amount of money the person is responsible for paying, while the rest will be on insurance. If you have a new customer that is unfamiliar with the process, provide them with these homeowners insurance basics for help.

Working with Customer Claims

As you work with new customers, it is important to have patience. You can do this in a variety of ways, including explaining the differences between daily and catastrophe claims.  Be prepared to walk through each step thoroughly and ask along the way how they are doing. Make sure they feel comfortable telling you what they do not understand. When you hit bumps in the road, show empathy. This will help prevent an “us vs. them” mentality. When sending out an adjuster, be sure they understand the process and who will be coming to review their property.
Does your insurance company need assistance when it comes to insurance adjusting assistance? Aspen Claims Service is here to help. We provide a wide array of adjusting services for both residential and commercial properties. We also have the knowledge and expertise to speak with new customers to ensure they understand all steps during the process. We have adjusters available 24 hours a day, seven days a week throughout the entire continental United States. Call us today at 888-819-5904 to get started.