News from Aspen Claims

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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Your guide to Denver property damage claims


November 13, 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. 

Review Your Policy
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. 

File the Claim
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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Trust the Aspen Claims Team with Your Underwriting and Re-Inspection Needs


October 29, 2019

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. How do you know you’ll need a claim adjustment in the event of an accident, storm, or injury?
 
Our team of experienced, professional claims adjusters investigate insurance claims to determine the extent of your insurance company's liability. Our team handle property claims involving damage to structures, in addition to liability claims involving personal injuries or third-person property damage. We review each case through in-depth interviews with the claimant, available witnesses, and through extensive research of related records, namely police and medical records. We also have dedicated staff members who will carefully inspect any personal property that’s involved.
 
The role of a claim’s adjuster is to verify insurance claims and determine a fair amount for settlement. The Aspen Claims team has successfully worked cases that run the entire gamut of insurance claims processing, from personal injury to property damage. In property damage claims, the main role of the insurance adjuster is to carry out a detailed investigation as noted above.
 
Aspen Claims are a team of independent claims adjusters who works to protect your interests in an insurance claim. A dedicated Aspen Claims professional —who is distinctly assigned to your case through completion—will do everything possible to minimize your loss.
 
Finding the right claims adjustment and/or claim advisor that fits your needs doesn’t have to be hard. If you work for an insurance company and are looking for a premier independent insurance adjuster, Aspen Claims Services has a team of experts across the continental United States that are ready to help with catastrophe claims, commercial property claims and residential property claims.
 
Our patented FileTrac™ system is a real-time a claims management system that allows our clients to review the status and progress of their claim from any digital device, twenty-four hours a day, seven days a week. To ensure the accuracy of your claim from word one, Aspen Claim’s ReScope™ process offers a reinspection process ensuring the most accurate re-inspection in the industry. 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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Insurance Claim Adjuster 101 - from your Denver claims specialists


October 15, 2019

So you’ve made a claim through your insurance...now what? For the most part, your next step will be dealing with an insurance claim adjuster. While this sounds like someone who will be intimidating and difficult for you to work with, we promise it is not as bad as you’d think! We have put together our Insurance Claim Adjuster 101 Guide, your go-to source for information. 

The Basics
There are a few things you should know, before we offer tips on how to handle an insurance claim adjuster. The first is that there are three types of insurance claim adjusters: 
Staff: Staff adjusters are those who work exclusively for one insurance company, think of those who work for State Farm or All State. 
Independent: Independent adjusters are just as it sounds, independent. These types of adjusters are more like contractors, they will work for multiple insurance companies as a third-party.
Public: Public adjusters work with policyholders to help work through these processes. 

What Do They Do
Insurance claim adjusters are the investigators of the insurance industry - they will work to find out what happened, who is at fault, as well as what is a fair settlement. Insurance adjusters will work through gathering photos, documents, police reports, etc. - really anything that will work help to determine what truly happened. This is why taking photos and thorough documentation immediately after the car accident is so important. 

Our Tips
After an accident, and after it’s been reported to the insurance companies, you’ll hear from an insurance claim adjuster. When you work through this process, we recommend the following:
Don’t let pushy adjusters get to you - adjusters are trying to get the claim filed, push through, and resolved as soon as possible 
On the same note, if an adjuster requests that you sign a medical release, be aware and cautious. If you have any intention to file a legal claim, do not sign this release and consult with your injury lawyer first. 
Keep open lines of communication - be honest and be willing to discuss things openly and honestly.
When handling repairs, make sure that you work with the insurance adjuster as well. Some insurance companies have preferred vendors they work through. 

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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