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News from Aspen Claims

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.
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How to Handle Hail Damage and Submitting Property Claims


May 17, 2017

Hail storms can cause damage in several different ways. In some cases, hail does not lead to much damage, but in other cases, hail can be destructive. Since hail storms can happen during certain circumstances during thunderstorms, it is important to know what to do ahead of time. This way, you can execute your plan of action once the storm is over. Knowing how to handle hail damage claims is important. Learn more about preparing for severe storms, types of damage and submitting property claims.

Preparing for Severe Storms

Since anything can happen during a severe thunderstorm, it is important to have a kit in the event of a power outage. This can include flash lights, extra batteries, a radio, battery backups and power banks for mobile devices, In addition, include a first aid kit, water, blankets and more. In the event of a natural disaster, you will need more items. Read Ready.gov’s Emergency Supply List to make sure you have all items. If you know storms are coming, make sure to prepare the outside of your house. Bring in outdoor furniture and any other outdoor items. If you have a garage, make sure to move vehicles inside. During the storms, you will want to come indoors to stay safe from the storm. Ready.gov advises not to be around water or run appliances that use water, stay away from concrete or electrical cords in their thunderstorms and lightning article.

Types of Damage

There are a variety of types of destruction that hail can create. No matter what the size, roofs, cars and siding are some of the most common places damage occurs. On roofs, shingles can break, and roofing can become damaged. It is important to have your roof inspected as it may not be easy to see what damage has been done on a roof. When leaks occur, water can come into the inside of your home leading to mold growth and many other issues. When there are heavy winds and hail blows sideways, it can dent siding, break windows and much more. It can also wreak havoc on cars too, with denting and the breaking of windows. In addition, landscaping in a yard can be damaged too.

Insurance and Submitting Claims

Insurance protects you and your belongings in the event of inclement weather. After a storm has occurred, you will need to document all damage. From there, you will work with your insurance company to file a claim. A claims adjuster will come out to assess the damage. From there they will work with your insurance company and you will then be sent funds to fix the damage. If you have any concerns along the way, you can with your own claims adjuster to ensure they provide the most accurate update for the insurance company.

If your home has been damaged by a hail storm, you will need a claims adjuster that you can trust. For experts in the field, you can contact Aspen Claims Service if you feel your claim needs to be reinspected. We have experienced adjusters available 24/7 to help you with your claim. Learn more about our catastrophe claims and call us at 888-819-5904 for help.  
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Spring Inclement Weather Safety and Catastrophe Claims


May 3, 2017

Spring is one of the most common times of year for inclement weather. During some of the spring thunderstorms, hail, high winds, heavy rain and tornadoes can be dangerous. On the flipside, certain dry conditions can also create the perfect environment for wildfires to spread. Learn more about what to do in the event of severe weather or fires whether at home or while in the car. Also learn what to do when filing catastrophe claims.

At Home

For many, a thunderstorm can be relaxing. However, in certain conditions thunderstorms can become far from relaxing and place you in danger. When this happens, it is important to take proper safety precautions. If you know a thunderstorm is on its way, protect some of your outdoor furniture and items by bringing them onto a enclosed porch or safe place. This will help them from flying away, becoming damaged, or damaging something in their path. Once you see lightning, it is important to go indoors to avoid any dangers. It’s great to be prepared before a storm by having flashlights or a power bank available to use the flashlight on your smartphone. It’s also important to have a severe weather radio to use in the event of a power outage. You can also download your local weather station app to keep up on the latest. During the storm, stay away from windows and if there are tornadoes, go to the lowest level of your house. Get into a small space or hallway in the middle of the house and crouch down with your hands over your head. For wildfires, it is important to follow instructions if told to evacuate. Learn more about what to do from Ready.gov’s wildfires page.

While Driving

If you are driving and run into a severe thunderstorm, it is best to pull over onto a shoulder, side of the road, or parking lot. Conditions can become dangerous quickly and it can be hard to see during torrential downpours or if you run into a flash flood situation. Pull into a place where you can go inside, such as a store. If you have nowhere to pull in, see if there is an overpass you can park under. If not, stay in your vehicle until the storm passes in a place not around power lines or trees that could fall onto your car if struck by lightning. Crouch down and cover your hands with your head. For wildfires, if you accidentally drive through an area affected, shut your vents immediately to avoid smoke from coming in. Turn around and drive in a direction away from the fire. Last, call 911 for help.

Claims

In the event of inclement weather, your car, home, or valuables may fall victim to extensive damage. During these intense cases, you can file a catastrophe claim with your insurance. Post storm, document the damage once it is safe to go outdoors. This will help an adjuster evaluate your situation.

For more information and help with catastrophe insurance claims, Aspen Claims Service can help. We have experienced adjusters available 24 hours a day, seven days a week. Keep our phone number 888-819-5904 in your phone to call in the event of an emergency.
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Catastrophe Claims: What To Do in the Event of an Emergency


April 19, 2017

One of the best things you can do to protect yourself in the event of an emergency is to be prepared. Accidents seem inevitable, but knowing what your plan of action would be if one were to happen will help make the process more smooth. Learn about different types of catastrophes, action steps to take and working with adjusters on catastrophe claims.

Types of Catastrophes

Colorado is most likely to experience inclement weather in late spring and early fall. But even then, disasters can happen anytime throughout the year. Some of the most common types of damaging weather include strong winds and hail. Strong winds that exceed 50 miles per hour, or straight-line winds, can be detrimental when they knock down trees and power lines, blowout windows and more. This could lead to certain elements falling onto homes and cars. For hail, on the lower scale, cars might be damaged with dents. But for some storms when hails is larger than a nickel or quarter, it can ruin the outer structure of a home. Other types of damaging weather could lead to damaging cars and homes include lightning and tornadoes. In the winter, icy conditions can be damaging to a roof if an ice storm occurs that leads to an inch or more of ice weighing down. Learn more about Colorado’s weather in Skyview Weather’s Severe Weather in Colorado.

Actions Steps

Once a storm or inclement weather scenario is over and it is safe to come out, you need to first assess the area. Post-storm depending on what happened, there may be dangerous debris in or around your home. When going outside, be cautious of down power lines and contact 911 if they have fallen in your yard to have them fixed. If you smell gas, contact a power company as soon as possible. Once everyone is safe, begin to document damage  with pictures. Take as many pictures as you can of the damage, both inside and outside. If the damage was extensive that left the inside exposed to outside elements, you can consider temporary solutions to avoid your home being open to outdoor elements. Once you have your documentation, you can contact your insurance company to file a claim. They will have a claims adjuster come out to assess the damage. You can also work with your own claims adjuster to work with the insurance adjuster.

Insurance and Working with Adjusters (how they can help)

Post-storm, if the damage looks to meet your deductible, one of your first phone calls you will make will be to your insurance company to file a claim. If you are unsure, better safe than sorry and reach out. They will work with you on the process.
If you have been affected by severe weather, Aspen Claims Service offers catastrophe claims adjusting. We will be with you every step of the way to ensure you receive the money you are entitled to. To learn more, read What are claims adjusters? The ins and outs of the profession.To help or ask questions, email us at claims@aspenclaims.com or call us at 888-819-5904.
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Insurance Claims and Using an Underwriter for Your Business


April 5, 2017

When insurance claims are submitted the process that happens next is very complicated and can take days, weeks and months. Needless to say, there is a process for everything. What is the damage? What was the previous risk assessment? How much should be paid to cover the damage? There is a lot of questions to consider from insurance claims to the underwriters, and how they can help your business. Take some time to learn more in the event of a claim coming your way.

Ins and Outs of Insurance Claims

Prior to an accident, it is important that your business be prepared with insurance in case an accident happens. Whatever possibilities could happen in your workplace; it is crucial that safety information is displayed and employees are aware of what actions to take. When it comes to some of the top types of incidents that can result in a claim, theft is one of the highest on the list. Fire, weather-related damage, customer falls and issues with faulty products are a few others. For a full list, read the 10 most common and costliest small business claims. Some of these claims can cost upwards of $50,000, so it is best to always be prepared. To help when filing a claim, it is best to have as much evidence up front as possible. From surveillance camera footage to statements and photos, always be prepared for an incident at your business.

What Underwriters Do

Underwriters are the individuals that work through insurance claims. Their role in the process is to review the claim in its entirety and make the final decision for what costs will be covered. They are also involved in the insurance itself that a business and individual person has. Underwriters look to find the risk in various situations. For instance, you are more likely to have an on-the-job injury in a warehouse as opposed to an office. They are able to look at all of these factors when it comes to your insurance. So from gathering all data necessary for various claims and analysis to making the decisions on what to do for a claim, underwriters handle it all.

How They Can Help Your Business

A good underwriter is very beneficial to any business. Their gauge of a situation based on their experience and research can help a company assess risk. It is also their job to review and manage risk. In this role, an underwriter will look through your history and put all of the puzzle pieces together.

If you or your business is in need of underwriting services, Aspen Claims Service can help. Our experienced staff is well versed in helping to assess and identify risks related to commercial and residential properties. We can work with you to assess any issues and provide services for replacement costs, actual cash value, trade depreciation, market value, ACV range reports and biannual or annual inspections. It is also important to have property insurance. Be sure to read our guide on the top reasons you need property insurance. To get started on your underwriting or claims adjuster needs, contact Aspen Claims Service today.
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