News from Aspen Claims

The winter claims you need to be ready for


January 15, 2020

Cold weather is here, and while that means a lot of fun in the snow...it can also mean some pretty serious issues for your home. While you are enjoying your snow days and time with family, be sure that you keep an eye out for some of the house issues that can make a big dent in your checkbook and cause issues with your insurance claims. We have compiled the most common claims you need to be on the lookout for this winter.

Freezing Pipes
This is a big one, and something that can happen before you know it. If you don’t treat your pipes properly, water within the pipes can get stuck and result in freezing...and even bursting. Bursting pipes can result in costly damages, and big headaches. Before a big freeze, make sure you’ve shut off and emptied your outdoor pipes. When it comes to freezing temperatures, turn all indoor pipes slightly on (so that a small stream is coming out) so that it keeps the water flowing.

House Fires
Enjoying a fire in your fireplace during the colder months? We love a good fire, but house fires are more common in the winter months. While fireplaces are certainly a big contributor, house fires can spark from outdated electrical systems, space heaters, and bad ductwork. If you have an older house, be sure you get your systems inspected and never leave a fire unattended.

Collisions
Icy road conditions can make driving difficult, and even if you are being extremely careful you can’t always see the path of black ice just around the corner. While driving, make sure you have an emergency supply kit in your car and take extra care while driving around turns.

Roof Failures
One of the most common claims during the winter is due to roof failures. Accumulations of snow and ice put extra weight on the roof, and depending on temperature fluctuations this can severely damage your roof and cause a dangerous situation. Make sure to keep an eye on snow accumulation, and if needed get some assistance with removing snow from the top of your roof.

If you find you are in need of assistance processing claims with your insurance provider, 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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Claims Adjusters Advice to Prevent Freezing Pipes


January 10, 2020

In late January 2019, more than 90 million Americans in the north and Midwest braced themselves for frigid temperatures that haven’t been seen in decades due to the Polar Vortex.  January is here again, along with the snow and cold.  When temperatures are low, wind chills can be even worse. These dangerous temperatures not only had an impact on human lives but also their homes including broken heaters and frozen pipes. As a homeowner or property owner, it is crucial to know what to do in temperatures as frigid as have been recently seen. Take a few pointers from claims adjusters in Denver on how to ensure the safety of homes during freezing weather conditions. 

Why Pipes Freeze
As temperatures dip below freezing, it puts pipes in a home at risk of freezing—especially pipes that are poorly insulated. When water in a pipe freezes, it expands. Eventually, there comes a time when the pipe gives and bursts, becoming a headache and hassle for homeowners. While most common in pipes near the outer walls of a home, or with little or failing insulation, it can happen anywhere. And freezing pipes is not something only homeowners that experience traditional winters need to worry about. Anytime temperatures fall at or below around 20 degrees, pipes can run the risk of freezing. During periods with these cold temperatures, it is essential to learn how to tell if you have a burst pipe in your house. 

Best Practices
  • Homeowners and property owners can take advantage of some best practices to help prevent pipes from freezing. 
  • Set proper indoor temperature: Keep the home set at a warm temperature. If you are not home, make sure the house will at least be 55 degrees or higher. 
  • Open cabinet doors: Well-circulated rooms help keep warm air around pipes. Circulation is important for kitchens, bathroom and other areas with pipes. If you have pipes in a garage, be sure to keep the door closed to reduce chances outdoor temperatures will make a negative impact. 
  • Leave a small drip of water going from a sink: On a sink that is on an outside wall of the home, leave a faucet on a small drip. It will help remove some of the pressure in the pipe that leads to ruptures. 
  • Invest in insulation for pipelines: Homeowners can purchase insulation for pipes, such as sleeves or heat tape that help keep pipes from getting too cold. Insulation, in general, helps to keep pipes from freezing, as well as a variety of other costly issues. If your home is poorly insulated, consider investing to improve them. 

In weather as treacherously cold as Polar Vortex temperatures, it could lead to an increase in claims to your insurance company. If you find your staff with a higher call volume than you can handle, 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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What should you have in your emergency kit, from your Denver claim specialists


December 26, 2019

Disasters are scary. However, the blow they can cause can help lessen not only the physical damage but the emotional damage that can be caused by a natural disaster. Here is what you need to have ready in an emergency kit, particularly for your home and family, straight from your Denver claim specialists. 

The first step in building an emergency kit is to put your supplies in an easy to carry container - that is also big enough for all of your supplies. Not wanting to spend a lot of money? There are some easy hacks you can use:
  • Do you have a cat? The 15lb plastic litter containers are perfect for a disaster kit. Just make sure you take some time to clean the container out (maybe with some hot water and vinegar).
  • Go to the dollar store! The dollar store will be your savior when you are wanting to spend money on an emergency kit. 
  • Reuse old cardboard boxes. Did a holiday just get over and you have a lot of extra cardboard boxes? Reusing them might be the perfect key to saving money while developing an emergency kit. 

Whew. Now that you have the container, it’s time to make the perfect basic supply kit. There are quite a few things you need to incorporate, including…
  • Water - one gallon...per person...per day. Seems like a lot, but it is certainly worth it.
  • Food - three day supply...per person of non-perishable food. Think canned food, and be ready to check on the expiration dates to make sure you rotate them.
  • First aid kit - We personally recommend that you overdo the first aid kits. You never know how much, or what first aid kits will be best. 
  • Survival supplies - This category includes flash lights, whistles, maps for the local area, cell phone batteries, and even tools such as pliers and wrenches. For a full list, check this out.
  • Cleanliness - Moist towelettes, dust masks, and cleaning cloths are essential for an emergency kit. You’ll never know why you’ll need it!

Now that you have the perfect disaster kit, you need to make sure you have the perfect home insurance policy to accommodate your disaster kit - we are here to help with that. At Aspen Claims, we’ve helped thousands of clients get what’s rightfully deserved in the event of natural disaster, property damage, and personal injury. That’s why residents and professionals from Aspen, Denver, Littleton, Aurora and across the United States rely on our expert staff and highly professional claims adjustment service. 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.
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How to plan for a disaster, from your Dever property claim specialists


December 11, 2019

Disasters. Often times one of your worst fears, a disaster can not only cause mass damage to your home and possessions, but it can truly put your life on hold. Sometimes it feels weird to “plan” for a disaster, but planning ahead can ensure far less stress and set you up for as much success that’s possible in this case.

Create an emergency plan
This one definitely feels a little unnatural, but it will 100% be worth it in the end. You should create a concrete emergency plan for you and your family, and this includes a few different aspects: 
Family emergency plan: This includes an evacuation route, meeting points, and how you will maintain contact in case of an emergency.
Build an emergency kit: Emergency kits are compact, and have everything you will need to have in case of an emergency. This includes first aid, flashlights, local maps, cell phone chargers, etc. 
Pet emergency plan: This one can certainly be an emotional rollercoaster. Pets are family - in case of an emergency you need to figure out what you will do with yours. You should always take them with you, but that also means you’ll need to have a kit made specifically for your furry creatures.

Insurance Policies
When setting up your policy, be sure that Additional Living Expenses (ALE), is included. ALE is part of your coverage that will help cover just that - any additional expenses that have been incurred due to the loss of your residence. This might include pet boarding, rent, food, gas, and even mileage. Some other expenses might be covered as well, we recommend asking your insurance company if they can send over a list of what is covered under your ALE policy. 

The next important thing to do is take a look at what your deductible is and make sure you have at least that amount in savings. Most insurance deductibles range from $1000 - $2500, and we can promise that having at least that much in your savings will make any disasters feel a lot less painful. Remember, that the goal of your insurance policy is to replace the value of your possessions and home, so do not worry about needing enough money to replace any of those things.

Now that you know the ins and outs of preparing for a disaster in Denver, contact us. We are here to help set up the best property insurance policy that will fit your needs. At Aspen Claims, we’ve helped thousands of clients get what’s rightfully deserved in the event of natural disaster, property damage, and personal injury. That’s why residents and professionals from Aspen, Denver, Littleton, Aurora and across the United States rely on our expert staff and highly professional claims adjustment service. 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.
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What you need to know about your Denver insurance adjusters


November 25, 2019

Property damage claims might be overwhelming, after all you’re dealing with your home or someplace you’ve invested a lot of time, money, and care. However, property damage claims might be easier than you think. We’ve put together the two easy steps you need to know about when making a Denver property damage claim

The first step when dealing with any damage claim is to read your policy. Yes, it will be a little hard to get through if you’re not familiar with insurance lingo but it’s an important step. Read through the policy until you get a basic idea of what’s included, and what questions you need to ask. If you don’t have a copy of your policy, be sure to ask for one. Nowadays, most insurance policy carriers can email you a copy no problem.

Let’s take a quick pause. When looking through your policy keep an eye out for Additional Living Expenses (ALE). ALE is part of your coverage that will help cover just that - any additional expenses that have been incurred due to the loss of your residence. This might include pet boarding, rent, food, gas, and even mileage. Some other expenses might be covered as well, we recommend asking your insurance company if they can send over a list of what is covered under your ALE policy. 

Once you review your policy, it’s time to file the claim. You’ll need to make sure you have plenty of photos, as well as an inventory of what you’ve lost and any receipts/claims to back up the worth. Your policy will cover up to a certain amount, just make sure you are ready to pay the deductible. Most insurance deductibles range from $1000 - $2500. When going through the claims process, be sure to keep in close touch with your insurance adjuster. They can help you navigate the process and answer any questions you might have. It’s important to be patient, these claims can take months to settle. 

Now that you know the two starting steps in filing a property claim, you are ready to get on our way. Remember, if you are ever unsure about something in the process you should ask questions. If you ever get caught up, and are concerned contact us. At Aspen Claims, we’ve helped thousands of clients get what’s rightfully deserved in the event of natural disaster, property damage, and personal injury. That’s why residents and professionals from Aspen, Denver, Littleton, Aurora and across the United States rely on our expert staff and highly professional claims adjustment service. 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.
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