News from Aspen Claims

The four claims new adjusters should know about


May 14, 2020

Are you a new claim adjuster? Having just entered the industry? There are many different types of claims you may encounter, and it’s 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. 

Storms
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. 

Theft
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 Damage
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. 

Fire
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. 

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.
 
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Hail damage and property claims: What you need to know


May 1, 2020

Spring and summer storms are upon us, and you might have been experience the tumultuous weather and wondering, when do I submit a claim? Do I have property damage? Hail storms can cause more damage than you would think, particularly to your roof. 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.

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 f
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What to do if your storm insurance claim has been denied


April 17, 2020

Storm season is here once again, and once a dangerous storm hits your area you’ll need to file a claim with your insurance company if there is any damage to report. 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

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. 

After the 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. 

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. Call us today at 888-819-5904 to get started.
 
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Why purchasing Denver property insurance is important


April 3, 2020

Your home is not only an investment, but it’s the place you will grow and develop - maybe even raise kids. Not only is your home valuable, but the objects in it are valuable and often times priceless. When it comes to securing some of your most valued items, such as your home, it is important to have property insurance. It is extremely beneficial in the event of a natural disaster or catastrophic event. Learn what this type of insurance is, common types of disasters and why you need this kind of insurance. It is definitely an investment worth making. 

What is home insurance? 
In order for those who own a home to be protected in the event of a disaster or theft, it is crucial that they have insurance that will cover the property. Other common types of insurance include flood, earthquake, fire and renter’s. When you invest in this type of insurance, you will be protecting your assets if stolen, damaged or destroyed. It will protect you from having to pay out of pocket all over again if something bad were to ever happen. When choosing insurance for a property, there will be a certain amount you purchase to insure you. Then, in the event of an accident, you will be covered. A claims adjuster will assess the situation and you will receive the final amount you will be paid to reimburse you. 

Types of Disasters
There are a variety of disasters that would lead you to need insurance for your various types of properties. Some of the most common types of disasters include earthquakes, hail, lightning, floods or other types of issues due to water and theft. Weather plays a huge role in property insurance needs. In the winter, if a home gets damaged due to snow, such as too much weight on the roof due to ice, insurance can cover that issue. In extreme cases, this type of insurance would cover terrorism attacks. For a more in depth breakdown, read more about Property Insurance.

Why? 
Your home, apartment, car, valuables and property mean a lot to you. In addition, they were an investment! You put your time and money into each of those. In the event of a disaster or theft, you may be out thousands if you aren’t insured. For some, there is the “this couldn’t happen to me,” school of thought. Unfortunately, disasters can happen anywhere at any time. One of the best ways to avoid being out of money or stranded is by investing in insurance. You can talk to your insurance company on the various types of opportunities to help keep you and your family protected in the event of an emergency. 

If you experience a large loss, Aspen Claims Service is here to help. Our claim adjusters can help assess your situation and work for you to ensure their adjuster assess the damage properly and provides a fair amount that will be paid to you. If you have any questions or are ready to get started, contact us at claims@aspenclaims.com or call us at 888-819-5904.
 
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How to process a Denver home insurance claim


March 18, 2020

No matter how careful you are, car accidents can strike at any time. While most of the time the insurance process can go smoothly, there are a few roadblocks that can make insurance claims a little bit difficult. We’ve compiled some of the information you need to know most before, and after, a car accident.

For starters, it’s important to make sure you complete a crash checklist, or what you should do immediately after an accident. Here are our recommendations:
  • Never, ever, leave the scene of an accident. You’ll need to stop and pull over. Always wait for a police officer or medical personnel to arrive. 
  • It’s important not to touch the scene too much. Get out of the way of oncoming traffic, but don’t try to fix your bumper or anything else that has happened to your car in the accident. If there is a risk of a fire or explosion, step far away from your car and wait for the officials.
  • Once you are safely on the side, make sure you call the police and report the accident. While you wait, take plenty of photos! 
  • Make sure while taking photos that you take photos of all damage done to your car.
  • Before leaving the accident, make sure to speak with the police officer and get the information of the other driver. Be sure to get the other driver’s name, contact information, and insurance information.
  • Once the initial shock is over, it’s time to get in touch with your insurance agent. You’ll need the police records, and you’ll need to go through the claims process with your insurance. This shouldn’t be too hard, but here is what you can expect:
  • Be ready to provide information about the crash, including the police records, date/time of the accident, weather conditions, and your account of what happened. 
  • You’ll need to talk about transportation in the meantime, your deductible and your next steps. 
Typical next steps will include: Getting an estimate for repairs and finding a repair service that is recognized by your insurance, 
You might need to prepare yourself for worst case scenario: your car has been totaled and you don’t have gap insurance. What this means is you are responsible for paying off the remainder of the loan, even though you no longer have the car. 

It’s important while handling any car claim that you ask questions, are attentive, and aren’t afraid to speak up. If you feel that something was portrayed inaccurately, this is your time to voice a change! If you need any help during the car accident claims process, Aspen Claims Service can help. Our large team of nationwide adjusters help with any size claim. Contact Aspen Claims Service today to see how we can help you. 

 
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