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News from Aspen Claims

Working with a Claims Service to Assist Wildfire Customers

October 17, 2018

This year, 2018, has been record-breaking in terms of wildfires. In California alone, the devastation is so severe that more than 1,000 homes have been destroyed. This has displaced so many homeowners and has left others trying to find ways to fix damage caused. As a result, insurance companies across the country are working hard to address the influx of claims that come in each day. As an insurer, it is crucial to provide customers with a great experience during this stressful time in their life. Learn more about the 2018 wildfires and benefits of using a claims service to help keep up.

Wildfires of 2018

There are been more severe fires in 2018 than previous, which states a lot given each summer fires are common on the western part of the country. Nearly six million acres have been affected, which has hurt wildlife, displaced residents, and several other issues. Some of the critical fires have been:
  • Mendocino Fire: Noted as the largest fire in California’s history, the cause of this fire is still unknown. Destroying almost 300,000 acres, this fire has led to several homeowners to flee during mandatory evacuations and unfortunately has taken more than 20 lives.
  • Carr Fire: Just under 100,000 acres from the Mendocino fire, the Carr fire has demolished over 1,000 homes. It’s been noted to have been caused by vehicle issues. That, factored with high winds, has caused intense destruction.
  • Cranston Fire: The Cranston Fire has caused more than 13,000 acres to be destroyed, including 4,000 houses. This fire was due to an arsonist. There was a man charged with starting 11,500-acre Cranston fire, eight others; Idyllwild authorities optimistic about blaze’s containment.

What Causes Wildfires?

Throughout devastation, it is hard to believe that fires can be helpful to the environment. Fires can remove brush and promote growth in areas. It can eliminate diseases in an area and restore important nutrients crucial to growth. However, their destruction causes devastating consequences. For causes, humans are the leading causes of fires. Following humans, storms and wind factored with other elements are a common cause, as well as volcanoes.

Tips for Working with Customers

During extreme events such as wildfires, your insurance company will likely receive an influx of claims. It is important that you have a plan in place to handle them. Answer calls and address clients in a patient and calm matter. Even if they are frustrated, understand it is because their livelihood is damaged or destroyed. Take some time to learn about wildfires in the United States and discussing property insurance with customers.  

If your insurance company is trying to keep up with the demand from customers in a wildfire, Aspen Claims Service can help. Our team of experts can quickly help you keep up with demand and give your employees adequate attention as they try to find a solution to devastating natural events. Using the latest in technologies, we’ll provide your team with the assistance you need. Call us today at 888-819-5904 today to get started.

Ways Your Insurance Company Can Get Assistance, Especially for Natural Disaster Claims

October 3, 2018

Natural disasters are occurring all across the country. From the fires affecting the northwest part of America to the debilitating hurricanes that are barreling through the southeast, this can be an incredibly busy time for insurance companies. Assisting customers is a top priority, and with so many in need, it can be a lot to keep up. In order to help your customers in a timely manner, there are a few tips that can help you manage claims and help your customers. Learn more about peak times for claims, handling hurricane and natural disaster claims, and how to find additional adjusters when you need them.

Peak Times for Claims

Each season for each part of the country brings different types of claims. In late fall through early spring, many parts of the northern states are affected by snow and ice. For other states further south, they may experience smaller amounts of ice and snow that can lead to accidents and damage when the area is not accustomed to this type of weather. During the summer, many parts of the country are effected by thunderstorms that can include hail, lightning, and flooding. There is also hurricane season, which lasts from early June to late November. For areas experiencing drought or long periods of heat, it can make areas more susceptible for wildfires. Much of this occurs in the west part of the country but can happen anywhere when weather conditions help to encourage it. Learn more about where and when do wildfires occur through ThoughtCo.

Hurricane and Natural Disasters

This year has been particularly intense with weather across America. Hurricane Harvey caused devastating floods in Texas, and Hurricanes Irma and Maria cause large amount of devastation in the Caribbean, then all along the east coast of the country. When your insurance company is experience an influx of claims due to large catastrophes as what we have currently seen, anything you can do to prepare your employees ahead of time—the better. With hurricanes, you do have the advantage to plan for a large number of requests and how you will tackle them in. In many other cases, it is important to have plans in place to be able to manage a large number of requests coming in at once.

How to Find Additional Adjusters

During many times of crisis, you may not be able to get your field of claims adjusters out quick enough. In situations such as Hurricanes Harvey or Irma, where millions of Americans have been affected, it can be difficult to have all of your adjusters in the field quickly. This is the ideal time to work with a claims service that can help provide additional adjusters to assist your team. If you are currently struggling with the demand due to the current disasters, there is help available.

If you are in need of additional adjusters to assist with the needs of your customers, Aspen Claims Service can help. We have a wide list of services, from daily insurance claims and catastrophe claims to underwriting and branch assistance, our team is here to help you 24 hours a day, seven days a week throughout the continental United States. See how we can assist your insurance company at 888-819-5904.

How to Spot Roof Repair Scams

September 19, 2018

When it comes to maintaining your roof, it’s important to find a reliable and trustworthy Denver roofing company to handle the repairs. However, after storms and severe weather, some disreputable contractors often move in and try to take advantage of significant damage, scamming homeowners out of thousands of dollars. At Big Creek Roofing and Restoration, we want to make sure you understand how to spot a roofing scam from a mile away. Here are a few sure-fire signs that the unsolicited roofing expert at your doorstep is about to run a scam.

They Ask to Climb On Your Roof

When a new-to-you roofer asks to climb on your roof without you having scheduled an appointment with them, there’s a good chance they’re running a scam. Often, these unscrupulous individuals actually cause damage, leaving roofs that were in otherwise good condition in dire need of extensive repairs. Unless you’ve scheduled an appointment with the  roofing contractor that , don’t allow anyone up on the roof. This will save you money in the long run and ensures that the inspection is performed by someone you can trust.

The Contractor Asks For Your Insurance Money

It may seem more convenient to only have to deal with the roofing company rather than your insurance provider, but signing over your insurance benefits is not a good idea. Untrustworthy contractors often take the money and run, and if you provide them with the full amount of your insurance payout up front, you might be out the money entirely with no recourse for recovering it. If they don’t go after your insurance money, they often promise significant discounts for payments up front in cash. This is just as dangerous as cash payments cannot be tracked or cancelled should the contractor run out on the job.

They Offer the Lowest Prices Possible

Quality roofing repairs can get costly, especially after a severe storm does damage to the majority of your roof. While it’s not uncommon for reputable roofers to offer discounts on their services, scam artists often quote rock-bottom prices. The quality of their repairs are often reflected in the price, if they even repair your roof at all. Instead of opting for a fast estimate and rock-bottom prices, take your time to research your roofing contractor and make sure they stand by their work. Reputable teams offer guarantees on their repairs, saving you the expense of fixing the same problem twice.

Avoiding roofing scams can be a real challenge. Instead of waiting to find a contractor until you need emergency repairs, establish a relationship with an experienced team today. At Big Creek Roofing and Restoration, we’ll help you keep your roof in good shape year-round. Should your roof suffer damage after a severe storm, we’ll take care to repair the damage properly and at a fair price every time. Stay on top of your repairs and schedule an inspection today. Need to file a claim on your homeowner’s insurance? We can help you navigate the process, from inspection to repair or replacement.

Denver Roofing Company Debunks Common Myths About Asphalt Shingle Warranties

September 5, 2018

Asphalt shingles are one of the most popular roofing materials on the market and with good reason. They’re affordable, durable, come in many different colors, and are easy for your Denver roofers to install quickly. As with almost every roofing material, shingles come with a manufacturer warranty to protect you against defects and costly damage caused by an inferior product. Unfortunately, there are a number of myths surrounding shingle warranties that lead homeowners astray when filing a claim. Here are a few of the most common myths, debunked.

Shingles Don’t Need a Warranty In the First Place

Shingles are durable, so they don’t need a warranty, right? Wrong. Even the most reputable companies can accidentally release an inferior batch of shingles. Though hiring an experienced and licensed roofing contractor to handle the installation will ensure that the materials protect your roof as thoroughly as possible, good installation can only go so far. If the shingles start breaking down after a few years and you’ve followed up on routine maintenance, you’ll need the manufacturer’s warranty to cover the cost of replacement materials. Without a warranty, you’ll have to pay out-of-pocket or file a homeowners insurance claim to address the damage.  

Warranties are Good for the Life of the Roof

With proper care and maintenance, asphalt shingle roofs can last between 15 and 20 years. Many homeowners mistakenly believe that the warranty is good for the life of the roof. With most shingle manufacturers, this is simply not true. Though your roofing company may back their work for the life of your roof, the shingle warranty is often only good for 5 to 10 years. Some manufacturers may only offer warranties that are good for two years after installation. The devil is in the details and when purchasing roofing materials from your contractor, make sure you understand the terms of the warranty before agreeing to the purchase.

Buying the Materials Yourself Gives You the Same Warranty

You’re buying the same shingles your roofing contractor uses, so surely the warranty is the same. Unfortunately, manufacturers do not extend the same warranties to individual purchasers as they do to experienced contractors familiar with their shingles and the proper installation techniques. When you purchase shingles through your contractor and let them install the roof, you’ll get the best possible warranty from the manufacturer. If you go to the local hardware store and pick up the materials yourself, the warranty will be minimal if it exists at all.

Shingle warranties are a wonderful way to protect your investment, but they can be tricky to navigate. At Big Creek Roofing & Restoration, we’ll take the time to explain how your warranty works, what you need to do if you want to file a claim with the manufacturer, and what you can expect from the process. With over 15 years of experience helping homeowners get the right roof for their budget, we’ll work to make sure you have the best materials for your new roof. Contact us today and let our residential roofing team install new shingles today.

Hurricane Season and Catastrophe Claims

August 22, 2018

Depending on where a state falls in America, hurricane season begins as early as June 1 and lasts through the end of November. Even with as much notice as possible, hurricanes are incredibly destructive storms. From demolished homes and downed power lines, to widespread flooding, a hurricane can be extremely debilitating to a community. As an insurer, it is your responsibility to help your customers every step of the way upon experiencing a disaster such as a hurricane. Learn more about hurricanes across the United States, projects for the 2018 season and tips to assist customers with catastrophe claims.

Basics About Tropical Storms and Hurricanes

A hurricane is a tropical storm that begins due to a low-pressure system that is formed in an ocean. When it comes to when and where do hurricanes occur, it varies on area and time of year.  Their technical term is actually a tropical cyclone and depending on severity, can be categorized as a tropical depression, tropical storm or hurricane. Sustained wind speeds heavily factor into which category a hurricane falls into:
  • Tropical Depression: Up to 38 miles per hour
  • Tropical Storm: Between 39 – 73 miles per hour
  • Hurricane: 74 miles per hour, or higher
To delve deeper, hurricanes themselves are categorized from one to five based on their sustained wind speeds based on the Saffir-Simpson hurricane wind scale:
  • Category 1: 74 – 95 miles per hour
  • Category 2: 96 – 110 miles per hour
  • Category 3: 111 – 129 miles per hour
  • Category 4: 130 – 156 miles per hour
  • Category 5: 157 miles per hour, or higher
Lower level category storms are likely to break tree limbs and knock out power. They can cause damage to the roof and siding of a home on a lower level scale. As you have storms that are a higher category, it is common for homes and neighborhoods to be partially or completely destroyed. While lower sustained winds may not cause widespread damage, they are still dangerous. Homeowners need to follow directions by local law enforcement to evacuate and stay safe.

Projections for 2018

As the 2018 hurricane season sets in, researchers originally estimated a slightly above average season. However the latest information from the 2018 tropical meteorology project forecast schedule from Colorado State University, researchers are now projecting a below-average season on the Atlantic coast. It is predicted that there will be nine more storms for the rest of the season. This is thanks to the cool, dry temperatures in the Atlantic Ocean.

Assisting with Catastrophe Claims

When working with customers that have experienced a hurricane, it is important to remember their fears and frustrations. Increased work flow? How to get assistance with insurance claims is an important thing to know. Plan ahead for hurricane season and work with Aspen Claims Service on overflow. It is a great way to ensure your customers get the service they need and ensuring your staff is not overworked. Contact us today at 888-819-5904 today to get your backup plan ready in the event of a hurricane or other storm/natural disaster.