News from Aspen Claims

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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What are Insurance Claim Adjusters?


March 5, 2020

When an accident occurs, from car to personal injury, an insurance claim is filed on behalf of the victim. To find the right amount of money that the insurance company will pay, there needs to be a third party to help find this amount. Learn who insurance claims adjusters are, the importance of their role and their relationship with you and insurance companies. 

Who are Claims Adjusters
Claims adjusters work with insurance companies and those who file when an insurance claim has been filed. Insurance companies are not able to come and assess damage, which is where adjusters come in. Adjusters handle the on-site work to assess a situation and the damage that took place. They also understand all the legalities of the situation to put together the proper reporting and paperwork to ensure the victim gets the appropriate amount of money for the claim they filed. The Bureau of Labor Statistics Claims Adjusters, Appraisers, Examiners and Investigators has more information for you to be prepare the next time you make an insurance claim.

Importance of their Role
The role of an adjuster is important. Being that insurance companies and victims need a third-party to assess damage, this is where the adjusters come in. First, the adjuster will thoroughly study the type of insurance the victim has. This will help them as they assess the damage. They also understand all exclusions that are written into an insurance policy. Next, in addition to visiting a site or area the damage occurred, they also go out into the field to gather all documents, witness accounts, etc., that is needed to review the entirety of a situation. Because of all of their research of the situation and knowledge about the victim’s insurance policy, an accurate amount can be paid to the victim from the insurance company. Their goal at the end of the day is to prove proof of loss. Once this is determined, they go through all the paperwork required. 

Relationship with Insurance Companies and Filers
The claims adjuster works closely with the insurance company and the victim. For the victims, they take the time to spend with the person that filed. It is important to do this to get the most accurate information and assessment of the accident that occurred. From there, they may also talk to witnesses and any others involved to gather as much information as possible about the situation. Adjusters will also visit hospitals, banks, etc. to gather any relevant documentation when putting together a claim. This may include receipts, invoices, leasing information and much more. Upon putting this all together, they review the situation against the person’s insurance policy and submit the amount the insurance company needs to pay the victim. 

When it comes to finding reliable adjusters, Aspen Claims Service can help. Available 24 hours a day, seven days a week anywhere in the continental United States, we can help with any claim you have. Learn more about our claims coverage area and learn what types of coverage options are available. To get started with a claim, call us at 888-819-5904.  
 
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Your guide to the Denver underwriting process


February 19, 2020

You are on your way - you’ve found the perfect house, have saved the down payment you need, and are ready to sign on your perfect home. But first, you do have to go through the underwriting process, which might sound intimidating. While it sounds intimidating, and it can be overwhelming, we have compiled your go-to guide.

Wait, what is underwriting? 
Underwriting is more simple then it sounds. What this is, is just the process that lenders take to establish and verify your credit score, income, assets, and additional supporting documents. While it can seem overwhelming to have all of this checked, it doesn’t mean that you won’t get the loan. Thousands of people go through the underwriting process every month - don’t fear!

What’s the process? 
Your underwriter is really just a financial expert - they are the person who will go through all of your finances, assets, and ultimately advise the lender on your ability to handle the loan. There are a few things that the underwriter can, and most likely will do. If any of these happen to you, don’t fret. All of the following are normal occurrences. 
Employment: Your employment history will be verified, including your current employer and longevity. This will demonstrate your reliability when it comes to a steady source of income.
  • Income: When it comes to employment, they’ll need to also verify income. This is to ensure you are able to afford the home you’re purchasing.
  • Credit History: Credit history is used to determine your reliability to make payments on time. This is important to your lender.  
  • Down Payment/Savings: Finally, they’ll want to be sure you have the money to make the formal downpayment! 

Timing
The amount of time underwriting takes does vary person to person, but make it easier on yourself by being responsive to your underwriter, and not making any large purchases. In addition, you should avoid applying for any new credit cards, car loans, or anything else that could hit your credit card report.

We wish you all of the best with your new home! If you need any help during the home buying 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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How to prepare your home for winter


February 5, 2020

Nothing can deteriorate a home’s value faster than poor maintenance and care - which is especially important during the winter months. Winter care is easy to overlook, but it’s extremely important. If you have an accident during the winter, it can be costly when it comes to your Denver insurance policy. We’ve compiled some of our best Denver home maintenance tips to help you keep your home in tip-top shape.

The HVAC
The dreaded HVAC - there is truly nothing worse than your Heating, Ventilation and Air Conditioning dying in the middle of winter. In fact - a non-working HVAC in the middle of winter isn’t only inconvenient, it can turn deadly for residents living in the home and cause more issues with your home than you realize. Make sure you take time to…
  • Check filters
  • Schedule an inspection
  • Consider an annual maintenance agreement...if you don’t already have one
  • While the above won’t eliminate all chances of something going wrong with your HVAC system, it can certainly help you catch any long standing issues, or in the case of an annual maintenance agreement it’ll help guarantee you can conduct regular maintenance on your home. 

Exterior Inspection 
Take time to look around the outside of your house. Are there any faults such as caulk that needs re-sealed, or even some rotting wood? It’s important to make sure your exterior is ready to go before the winter months get in full swing. You might have experienced your first snow of the season, but there is still time to re-caulk the exterior or even paint on warmer months.

Interior Maintenance
This one is simple. If you have a wood burning fireplace, make sure you get it professionally cleaned. While it seems like an inconvenient expense, and unnecessary expense, a fireplace that hasn’t been properly cleaned is at risk for a fire. Make sure you have someone come out and do a thorough cleaning.

Also, it’s important to make sure you have tested your smoke and carbon monoxide detectors - particularly if you are planning on having more fires during the winter. The rate of home fires spike during winter months, so be sure to protect yourself. 

Improper care of a home, particularly during the winter can lead to an increase in claims submitted to insurance companies. If you find you are in need of assistance processing claims in Denver 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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Four ways to protect your home from flood damage


January 22, 2020

There are many things that can cause serious damage to your home, among them flooding. While flooding seems to be a rare occurrence in the winter (and honestly it is) it is quite common in the spring. We’ve compiled our X ways that you can start to do to protect your home from flood damage. We recommend you start budgeting these things out, and even reach out to your insurance agent to upgrade your insurance policy if need be.

Take a look at your water valves
One of the things you can start by doing is to take a look at your water valves. Installing an interior or exterior backflow valve can help keep water at bay. By installing and ensuring you have the right water valves, you can also prevent sewage from backflowing into your system. This is something that can cause massive damage and a major headache.

Spend time outdoors
You’ll need to spend some time outdoors for this one. If you have expensive furniture, grills, etc., that sit outside you’ll want to spend time and anchor them down. This will keep them from floating away in a large flood.

Minor adjustments
If you are looking for something you can do that’ll take less time and cost less, you do have a few options! Take a look at some of our favorite recommendations: 
Purchase a waterproof safe - Waterproof safes are a great place to keep your documents and other important personal belongings.
Prepare a disaster kit - Sure this won’t help you protect your belongings, but it will give you peace of mind when it comes to food, water, and other essential survival tools such as tarps, sleeping bags, matches, and first aid kits.

Last minute adjustments
So you’ve taken all the steps you can to prevent spring flooding...and you are still getting a flood! Here are some things you can do quickly to try to minimize damage:
  • Take all valuable belongings and place them on the highest level of your home. If you live in a ranch style home, put them on top of cabinets/appliances...or a waterproof safe if you have one.
  • Shut off the electricity in your home. 
  • Move rugs, furniture, or other important pieces off the ground - or if they are too large to move elevate them. 

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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