News from Aspen Claims

What you need to know about Denver home reinspection

January 6, 2021

Home inspections can be nerve wracking, even for the most seasoned buyer. While you may feel satisfied with the initial inspection, problems can (and sometimes do) arise. From inaccurate quotes to missed damages, home reinspection can help give you peace of mind and identify any issues that may have been overlooked. If you are considering a reinspection, there are a few things you should know. Because of this, we have provided a quick guide to help you decide if this is the right step for you!

What is a reinspection?

Home reinspection is essentially a revisit of the initial inspection that helps determine if the previous issues have been resolved properly. Reinspection can also help evaluate and identify additional concerns that may have not been addressed during the first inspection. Like your original home inspection, reinspection requires the inspector to examine the entire property, inside and out. Oftentimes, the inspector will check to make sure any agreed upon repairs have been made, assess any additional problem areas, and evaluate any other repair costs. It is very important that prior to your home reinspection you discuss with your realtor and inspector what areas you feel need additional attention. You should also communicate a detailed list of the repairs expected, so your inspector can determine if those issues have been appropriately resolved.

When should I consider a home reinspection?

Although reinspection is not always necessary, it can be beneficial. If you have reason to believe the seller of your soon-to-be home is not adequately funding or making the agreed upon repairs, a home reinspection can help with this process. As unbiased professionals, home inspectors are expected to accurately determine the state and cost of home repairs. Reinspection is also useful if you feel the initial inspection misquoted or neglected an issue. By communicating the exact concern to your inspector, they can re-examine the area and determine if any mistakes were made. If you have any of these or other concerns about your home inspection, we highly recommend you consider Aspen Claims’ Re-Scope reinspection services. The Re-Scope program offers a customizable menu of quality assurance options and provides you with a complete written report and photos of findings.

 What should I expect during a reinspection?

What you should expect during a reinspection does somewhat depend on the reason you are seeking this service. For instance, if you are concerned about a missed problem, your inspector’s greatest priority should be to evaluate and examine the issue. The process should only take a few hours, depending on the size of the home or magnitude of the problem. Above all else, during reinspection you should expect a thorough and unbiased report of the inspector’s findings, which you will always receive with Aspen Claims’ Re-Scope services.

Do you want to learn more about home reinspection or the Re-scope program? Aspen Claims Service is here to help. With 24/7 service available across the continental United States, let our expert team of adjusters assist you with home reinspection, daily claims, underwriting, catastrophe claims, and more. Experience the Aspen difference. Call us today at 888-819-5904 to learn more about how we can help. 

Protect your property from fire damage this holiday season!

December 21, 2020

Fire damage is a major concern, especially during the holiday season. While beautiful lights, warm fires, and flickering candles are fantastic at creating that holiday glow- they can also pose a huge fire risk. From devastating flames to minor smoke, fires can produce minor and major property damage. While most home insurance policies cover some fire damage, the best way to protect your home and properties is to always take fire-safety precautions. Because of this, our professional team at Aspen Claims Service has assembled a few tips to keep your home safe all winter long.

Properly clean and maintain fireplaces

Although we all love the cozy ambiance a fire can bring, it can also pose safety concerns. An improperly cleaned and ill-maintained fireplace can cause serious smoke damage and house fires. Our biggest piece of advice is to always have your chimney cleaned and fireplace inspected by a professional at least once a year. Because clogged chimneys can cause smoke to back-up and fill your home, it is extremely important to do this prior to regularly using your fireplace. We also recommend you always check (and double check) the flue or damper is open before starting a fire, as this will draw the smoke out of your home. Finally, never ever leave a fire burning unattended. Always check to make sure the fire is completely out before sleeping, leaving the room, or leaving the house.

Never leave candles burning unattended

Although this may seem like common sense, fires caused by unattended candles are more common than you may think. In fact, according to the National Fire Protection Association, more than 7,000 home fires are caused by candles every year. To prevent fire damage from candles, we recommend always blowing out candles before you leave a room or go to bed. It is also important to keep candles at least 12 inches away from anything flammable.

Inspect lights and outlets

The holiday season is a time we often like to adorn our homes with colorful lights and decorations. While this is a beautiful tradition, it can also cause some concerns. To minimize your risk of electrical fire, our biggest piece of advice is to always inspect cords and power outlets. If there is any damage to the cord of your string lights, do not use them. Similarly, if an outlet looks faulty or burnt, do not use it. When using power strips, it is extremely important not to overcrowd plug-ins. Also, do not add more than one power strip to a standard wall outlet. Finally, always unplug your holiday lights prior to sleeping or leaving the house. While timers can help you regulate electricity use, the safest option is to physically unplug the cords from their outlets.

If you are in need of assistance filing a property damage or insurance claim this winter, Aspen Claims Service is here to help. Our nationwide team of knowledgeable adjusters can assist with daily claims, underwriting, inspection, catastrophe claims, and more. Call us today at 888-819-5904 to learn more about how we can help and experience the Aspen difference!

What you need to know about car accident claims

December 3, 2020

With many parts of the country experiencing the beginnings of winter, it is important to remember how to handle car accident claims. Whether it be from slippery, icy roads or distracted drivers, car accidents can happen any time. While most often your car accident claim should progress without any issues, problems can (and sometimes do) arise. Because of this, our expert team of claims adjusters have compiled a few tips to help you navigate through this process as smoothly as possible.

What you need to do immediately

After a car accident has occurred (given are not seriously injured and physically able to do so) there are a few things you should do immediately. This is sometimes referred to by insurance adjusters as your “Car Crash Checklist.” First, and most importantly, never leave the site of a car accident. If there is any major damage to your vehicle or injuries, it is imperative to call the authorities, report the accident, and await the arrival of police or other first responders.

However, if there is any threat of fire or explosion, get yourself and any others away from the vehicle as quickly and safely as possible. Also, do not touch the scene unless you absolutely need to get out of the way of oncoming traffic. Do not try to fix any issues with the vehicle before taking pictures. Lastly, take pictures! Be sure to take pictures of any damage to the car. Even if you are not sure if there is much damage it is important to take pictures. Pictures can help your insurance agent and anyone else involved determine the damages done during the accident.

What you need to do once responding officers have arrived

Once you and anyone else involved in the accident are safe, it is time to contact your insurance provider. The number to reach a representative should be located on your insurance card. If you have misplaced this information or are unable to reach it, call (or look up) the number for member services. From there you should be prompted to tell the insurance agent what happened. Your agent will most likely need to know in depth information about the accident like the date and time the crash occurred, the weather conditions, any police records taken (like a statement or accident report), and your account of what took place. You may also need to discuss any transportation needs, at this time.

What you need to do in the coming days

To make sure your car accident claim is processed efficiently, be sure to respond to any requests from your adjuster quickly. You may need to have your car repaired or receive an estimate on the damages. If this is the case, make sure you check that whatever establishment you are utilizing is approved by the insurance company. If you are in need of assistance due to a car accident claim, Aspen Claims Service is here to help. Our knowledgeable team of adjusters can assist with daily claims, underwriting, inspection, catastrophe claims, and more. Call us today at 888-819-5904 and experience the Aspen difference!

What you should know about Denver Property Insurance

November 12, 2020

If you own a home, vehicle, or any other expensive personal property, making sure these assets are insured is imperative. Although it can seem overwhelming and costly, insuring these items can save you time and stress in the long run. At Aspen Claims, we know the importance of property insurance. Whether you are a first-time homeowner or recently purchased a new car, take a look at our quick guide to property insurance to help you make a more informed decision!

What is Property Insurance?

Often used as a broad term for a range of policies, property insurance essentially provides protection against any damage or loss of expensive personal property. This type of insurance most often provides the owner or renter of a home, vehicle, or other properties financial reimbursement in the event of damage, theft, or certain personal injuries. Types of property insurance include auto insurance, homeowner’s insurance, flood insurance, and renter’s insurance. Before purchasing an expensive item, such as a home or car, it is important to know what type of insurance your state requires. For example, all states require drivers to obtain auto insurance, but not all require home buyers to purchase homeowner’s insurance. If you are working with a lender or mortgage company, it is also crucial to check what policies they require and recommend prior to borrowing from them.

What does it cover?

Because this is a broad term for many policies, property insurance covers a multitude of personal properties. Most often it is used for homes, cars, rental properties, and other expensive assets. However, some objects like jewelry, furs, works of art, and other personal items, may need additional coverage. It is also essential to understand what types of damage your insurance policy covers. For instance, many home insurance policies do not cover floods and earthquakes. However, there are often additional policies you can purchase for these events. It is also important to check how your policy covers home and auto repairs, as poor coverage can cost you more in the long run.

Why is it important?

If you own any expensive property, like a car or home, you need property insurance. In some instances, like with your vehicle, it is mandatory. However, even when the state does not require you to purchase insurance, you should always consider it. This can be especially true with homeowner’s insurance. Remember, in any case, that without insurance you will most likely be financially responsible in the event of property damage or theft. Even if you have savings, this type of fiscal strain could put you and your family in a difficult position. Property insurance helps give peace of mind and can keep you from losing money.  

If you or your business is looking for assistance with property or homeowner’s insurance, Aspen Claims Service can help. Our large, nationwide team of expert adjusters is available to assist with daily claims of any size, inspections, underwriting, catastrophe claims, and more. Contact Aspen Claims Service today at 888-819-5904 to learn how we can help and experience the Aspen difference!

Prevent these common winter property damage claims

October 23, 2020

With cold weather fast approaching, it is important to be aware of the dangers this season can pose to your home and other properties. By understanding these potential hazards, you can be better prepared to prevent serious damages. Take a moment to review two of the most common property damage claims and ways to prevent them to keep your home safe this winter!

Water damage

Although a common property damage claim throughout the year, the potential for water damage can increase in the winter months. With colder temperatures often producing snow and ice, water damage can take on many different forms. A common culprit is bursting pipes due to freezing temperatures. Frozen pipes occur when water within the pipes gets trapped and freezes. Although damages may not be obvious at first, once temperatures rise the ruptured pipe has the potential to spew water all over home surfaces or outdoor areas. To prevent this with outdoor pipes, shut off and empty them prior to freezing temperatures. For indoor pipes, be sure to keep the water flowing by turning faucets and fixtures on a light drip.

Another common winter water damage claim to look out for is leakage from roofs. This is most often caused from ice clogging gutters. When gutters are blocked, water on the roof from melting snow and ice has nowhere to go. Thus, trickling into shingles and causing serious damage. To prevent this, be sure to clean and unclog gutters, as well as replace any faulty shingles.

House fires

Most common during the winter months, house fires can devastate your home. From minor fires that cause severe smoke damage to massive fires that completely destroy property, practicing fire-prevention safety measures is key this time of year.  Holiday lights and trees, clogged fireplaces, and space heaters are all common sources for winter home fires. For holiday decorations and lights, always be sure to check your electrical outlets prior to use. If the outlet looks faulty or burnt, do not use it. Also, do not overcrowd an electrical outlet or power strip. For holiday trees, never use real candles for decoration and always turn off string lights before leaving the house or going to sleep. For fireplaces, always check your chimney for clogs and never leave a fire burning unattended.

Although space heaters are great at keeping drafty areas warm, they can also be a fire hazard. To use them safely and prevent a potential fire, be sure to review your space heaters safety rating prior to use. If the heater is poorly rated, consider purchasing a new one. You should also only use them in safe zones, at least 3-feet away from pets, children, curtains, and other flammable materials.  Place them on a level, flat surface and always unplug when not using or when sleeping.

If you are in need of assistance filing a property damage or insurance claim this winter, Aspen Claims Service is here to help. Our nationwide team of knowledgeable adjusters can assist with daily claims, underwriting, inspection, catastrophe claims, and more. Call us today at 888-819-5904 to learn more about how we can help and experience the Aspen difference!